By John Ostapkovich

PHILADELPHIA (CBS) –If financial topics make your head spin, there’s a new book that’s easy on the eyes, and maybe on that vertigo, too.

Worth It…Not Worth It? is from Jack Otter, the executive editor of CBSMoneywatch.com and, just so it gets said, I also work for CBS. Compared to many financial books, this one is thin–less than 150 pages–and entirely footnote free. It examines (in two page chapters) dozens of financial topics from buying versus renting a home, and leasing versus buying a car. And Otter knows his advice to use a financial advisor rather than a broker can seem to wallop your wallet.

“When a financial advisor sends you a bill, it seems enormous, but if you look at the numbers, you realize the hidden fees that you would pay if you use a different structure are even greater,” he explains.

In a chapter about what he says is gold’s illusory appeal, Otter says investing in timber is a pretty good bet.