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I like what you have here.
I like the style of the tag line "How to Really Get Rich... Really Fast!" better on the MillionaireFastlane8(2).jpg version. Also I like the use of drop shadows on the the text in that version. They really help make the text pop.
I would combine that tag line style with the first version (MF-Finals-Vote24.jpg). I like the main title and author layout in that version best.
One final suggestion would be to add a subtle gradient from the top of the book down to where the clouds start. Or maybe some clouds at the top that fade out where the text starts. Might ad some interest to the top of the book.
