Finance ✦ Penny’s Take
The Friendly Banker
Richard Baughman · 1999
60/100
👎 Skip It
An insider's consumer guide to how banks keep borrowers in debt — the premise is genuinely useful and Baughman's 30-year career gives him real credibility. The problem is that banking products and regulations have changed considerably since 2000, and there's no critical documentation to confirm the book's quality or depth. Readers wanting to understand banking and debt today would benefit from a more current, better-documented title.
✦ Penny’s Take — this is The Review Group’s own editorial assessment. Penny’s analytical review line researched this book from real sources and scored it across the lenses shown below. It’s an honest first-party read — not a page-by-page personal one. The gold ✓ Penny Tested mark is reserved for books Penny reads cover to cover herself.
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Show the math
Verdict receipt0–100
safety88
substance62
craft58
originality62
accuracy50
hype68
age-fit70
human-eye55
Penny’s verdict60
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