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THEY SAY THAT LOVE IS MORE IMPORTANT THAN MONEY, BUT HAVE YOU EVER TRIED TO PAY YOUR RENT WITH A HUG? In today's changing environment, it is critical to build a second source of income. This if you work in the gig economy or even in a traditional corporate job. There are, of course, plenty of books, tutorials, calculators, and tools on personal financial planning. This may equally be a problem. The key investment concepts are very simple, but get lost in a world of twenty-four hour global financial news coverage. This book embodies independence, thrift, and self-reliance. My emphasis is on providing an understanding of foundational investment concepts necessary to help you plan, save and invest to reach your financial goals. The emphasis is not on math and formulas but basic concepts. Under thirties, start early to allow full advantage of time and compound interest.
Across the political spectrum, unwed fatherhood is denounced as one of the leading social problems of today. Doing the Best I Can is a strikingly rich, paradigm-shifting look at fatherhood among inner-city men often dismissed as “deadbeat dads.” Kathryn Edin and Timothy J. Nelson examine how couples in challenging straits come together and get pregnant so quickly—without planning. The authors chronicle the high hopes for forging lasting family bonds that pregnancy inspires, and pinpoint the fatal flaws that often lead to the relationship’s demise. They offer keen insight into a radical redefinition of family life where the father-child bond is central and parental ties are peripheral. Drawing on years of fieldwork, Doing the Best I Can shows how mammoth economic and cultural changes have transformed the meaning of fatherhood among the urban poor. Intimate interviews with more than 100 fathers make real the significant obstacles faced by low-income men at every step in the familial process: from the difficulties of romantic relationships, to decision-making dilemmas at conception, to the often celebratory moment of birth, and finally to the hardships that accompany the early years of the child's life, and beyond.
10TH ANNIVERSARY EDITION Is the financial plan of mediocrity -- a dream-stealing, soul-sucking dogma known as "The Slowlane" your plan for creating wealth? You know how it goes; it sounds a lil something like this: "Go to school, get a good job, save 10% of your paycheck, buy a used car, cancel the movie channels, quit drinking expensive Starbucks mocha lattes, save and penny-pinch your life away, trust your life-savings to the stock market, and one day, when you are oh, say, 65 years old, you can retire rich." The mainstream financial gurus have sold you blindly down the river to a great financial gamble: You've been hoodwinked to believe that wealth can be created by recklessly trusting in the uncontrollable and unpredictable markets: the housing market, the stock market, and the job market. This impotent financial gamble dubiously promises wealth in a wheelchair -- sacrifice your adult life for a financial plan that reaps dividends in the twilight of life. Accept the Slowlane as your blueprint for wealth and your financial future will blow carelessly asunder on a sailboat of HOPE: HOPE you can find a job and keep it, HOPE the stock market doesn't tank, HOPE the economy rebounds, HOPE, HOPE, and HOPE. Do you really want HOPE to be the centerpiece for your family's financial plan? Drive the Slowlane road and you will find your life deteriorate into a miserable exhibition about what you cannot do, versus what you can. For those who don't want a lifetime subscription to "settle-for-less" and a slight chance of elderly riches, there is an alternative; an expressway to extraordinary wealth that can burn a trail to financial independence faster than any road out there. Why jobs, 401(k)s, mutual funds, and 40-years of mindless frugality will never make you rich young. Why most entrepreneurs fail and how to immediately put the odds in your favor. The real law of wealth: Leverage this and wealth has no choice but to be magnetized to you. The leading cause of poorness: Change this and you change everything. How the rich really get rich - and no, it has nothing to do with a paycheck or a 401K match. Why the guru's grand deity - compound interest - is an impotent wealth accelerator. Why the guru myth of "do what you love" will most likely keep you poor, not rich. And 250+ more poverty busting distinctions... Demand the Fastlane, an alternative road-to-wealth; one that actually ignites dreams and creates millionaires young, not old. Change lanes and find your explosive wealth accelerator. Hit the Fastlane, crack the code to wealth, and find out how to live rich for a lifetime.
INSTANT NEW YORK TIMES BESTSELLER “One of the most important books I’ve ever read—an indispensable guide to thinking clearly about the world.” – Bill Gates “Hans Rosling tells the story of ‘the secret silent miracle of human progress’ as only he can. But Factfulness does much more than that. It also explains why progress is so often secret and silent and teaches readers how to see it clearly.” —Melinda Gates "Factfulness by Hans Rosling, an outstanding international public health expert, is a hopeful book about the potential for human progress when we work off facts rather than our inherent biases." - Former U.S. President Barack Obama Factfulness: The stress-reducing habit of only carrying opinions for which you have strong supporting facts. When asked simple questions about global trends—what percentage of the world’s population live in poverty; why the world’s population is increasing; how many girls finish school—we systematically get the answers wrong. So wrong that a chimpanzee choosing answers at random will consistently outguess teachers, journalists, Nobel laureates, and investment bankers. In Factfulness, Professor of International Health and global TED phenomenon Hans Rosling, together with his two long-time collaborators, Anna and Ola, offers a radical new explanation of why this happens. They reveal the ten instincts that distort our perspective—from our tendency to divide the world into two camps (usually some version of us and them) to the way we consume media (where fear rules) to how we perceive progress (believing that most things are getting worse). Our problem is that we don’t know what we don’t know, and even our guesses are informed by unconscious and predictable biases. It turns out that the world, for all its imperfections, is in a much better state than we might think. That doesn’t mean there aren’t real concerns. But when we worry about everything all the time instead of embracing a worldview based on facts, we can lose our ability to focus on the things that threaten us most. Inspiring and revelatory, filled with lively anecdotes and moving stories, Factfulness is an urgent and essential book that will change the way you see the world and empower you to respond to the crises and opportunities of the future. --- “This book is my last battle in my life-long mission to fight devastating ignorance...Previously I armed myself with huge data sets, eye-opening software, an energetic learning style and a Swedish bayonet for sword-swallowing. It wasn’t enough. But I hope this book will be.” Hans Rosling, February 2017.
In Rescuing Retirement, Teresa Ghilarducci and Tony James offer a comprehensive yet simple plan to help workers save for retirement, increase retirement savings by earning higher returns, and guarantee lifelong income for everyone. It offers a practical guide to the future of secure retirement.
The core argument of Jean Anyon’s classic Radical Possibilities is deceptively simple: if we do not direct our attention to the ways in which federal and metropolitan policies maintain the poverty that plagues communities in American cities, urban school reform as currently conceived is doomed to fail. With every chapter thoroughly revised and updated, this edition picks up where the 2005 publication left off, including a completely new chapter detailing how three decades of political decisions leading up to the “Great Recession” produced an economic crisis of epic proportions. By tracing the root causes of the financial crisis, Anyon effectively demonstrates the concrete effects of economic decision-making on the education sector, revealing in particular the disastrous impacts of these policies on black and Latino communities. Going beyond lament, Radical Possibilities offers those interested in a better future for the millions of America’s poor families a set of practical and theoretical insights. Expanding on her paradigm for combating educational injustice, Anyon discusses the Occupy Wall Street movement as a recent example of popular resistance in this new edition, set against a larger framework of civil rights history. A ringing call to action, Radical Possibilities reminds readers that throughout U.S. history, equitable public policies have typically been created as a result of the political pressure brought to bear by social movements. Ultimately, Anyon’s revelations teach us that the current moment contains its own very real radical possibilities.
Since the end of World War II, most people around the world regarded the United States as the land of opportunity. The baby boomers and Generation X knew it best as "the land of milk and honey." It was a place where people could easily raise a family and with hard work could achieve anything they set their mind to. The American Dream, a dream of a land where life is better, richer and fuller for everyone, was alive. Much has changed, though, in the past four decades. Most Americans today do not realize that since the early 1990s, when the world markets began to merge and globalization took place, America went through a significant transformation. Today, the America of yesterday, a place where children grew up to ultimately earn more than their parents, is no longer reality but, in most cases, just wishful thinking. In today's globalized world, working in America no longer feels any different than earning a living in Europe or Japan. Indeed, income levels and employment opportunities now appear to be similar. Are they, though? Do Americans still have the edge or has the American Dream finally slipped away? Is it possible to conceive that American workers could be disadvantaged when compared to those living and working in other countries? While most people live their everyday lives never knowing, one thing is clear. Recently, political catchphrases such as "Make America Great Again," deeply resonated with frustrated Americans on both sides of the political divide, more so than election pollsters and the media anticipated during the 2016 presidential election. Undoubtedly, anxiety about the future is in the air, but what causes it? Can the past be restored? One thing is certain. Americans cannot afford to remain complacent with the status quo. Visit the author's webpage HERE.
Rising inequality is the defining feature of our age. With the lion’s share of wealth growth going to the top, for a growing percentage of society a middle-class existence is out of reach. What exactly are the economic shifts that have driven the social transformations taking place in Anglo-capitalist societies? In this timely book, Lisa Adkins, Melinda Cooper and Martijn Konings argue that the rise of the asset economy has produced a new logic of inequality. Several decades of property inflation have seen asset ownership overshadow employment as a determinant of class position. Exploring the impact of generational dynamics in this new class landscape, the book advances an original perspective on a range of phenomena that are widely debated but poorly understood – including the growth of wealth inequalities and precarity, the dynamics of urban property inflation, changes in fiscal and monetary policy and the predicament of the “millennial” generation. Despite widespread awareness of the harmful effects of Quantitative Easing and similar asset-supporting measures, we appear to have entered an era of policy “lock-in” that is responsible for a growing disconnect between popular expectations and institutional priorities. The resulting polarization underlies many of the volatile dynamics and rapidly shifting alliances that dominate today’s headlines.