Download or read book Young Educated Broke written by Jamie Borromeo and published by Morgan James Publishing. This book was released on 2014-10-15 with total page 202 pages. Available in PDF, EPUB and Kindle. Book excerpt: A millennial’s travels through America’s political and social landscape—and through the financial struggles of her generation. Young, Educated & Broke, a travel journal memoir, is the intertwined journey in self-exploration of a young twenty-something and her millennial cohort in America. Borromeo’s social commentary takes the reader around the world to witness firsthand her path to personal growth, as she watches the tragedies and triumphs of her life mirror those of her generation. During the 2008 economic collapse and the years that followed, the author shares her emotional highs and lows and the insights gained. The author and the generation of America’s New Poor struggle to find a sense of identity, purpose, and security. The questions begin to pile up: Will I pay back my student loans? Was the American Dream really a myth? Will I ever be able to attain financial freedom and security? While the generation as a whole is still grappling with these questions, Borromeo’s personal journey inward takes the reader through the answers the she herself has found. In her last destination on the Big Island of Hawaii, the author looks inward and finds answers that hold tremendous value for her life that may yet serve her generation in an even more profound way.

Download or read book The Privileged Poor written by Anthony Abraham Jack and published by Harvard University Press. This book was released on 2019-03-01 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt: An NPR Favorite Book of the Year Winner of the Critics’ Choice Book Award, American Educational Studies Association Winner of the Mirra Komarovsky Book Award Winner of the CEP–Mildred García Award for Exemplary Scholarship “Eye-opening...Brings home the pain and reality of on-campus poverty and puts the blame squarely on elite institutions.” —Washington Post “Jack’s investigation redirects attention from the matter of access to the matter of inclusion...His book challenges universities to support the diversity they indulge in advertising.” —New Yorker “The lesson is plain—simply admitting low-income students is just the start of a university’s obligations. Once they’re on campus, colleges must show them that they are full-fledged citizen.” —David Kirp, American Prospect “This book should be studied closely by anyone interested in improving diversity and inclusion in higher education and provides a moving call to action for us all.” —Raj Chetty, Harvard University The Ivy League looks different than it used to. College presidents and deans of admission have opened their doors—and their coffers—to support a more diverse student body. But is it enough just to admit these students? In this bracing exposé, Anthony Jack shows that many students’ struggles continue long after they’ve settled in their dorms. Admission, they quickly learn, is not the same as acceptance. This powerfully argued book documents how university policies and campus culture can exacerbate preexisting inequalities and reveals why some students are harder hit than others.

Download or read book Young Educated Broke written by Jamie Borromeo and published by Morgan James Publishing. This book was released on 2015-01-06 with total page 199 pages. Available in PDF, EPUB and Kindle. Book excerpt: Jamie Borromeo is a Millennial (those born between the years 1980-2000) with a uniquely illuminating perspective on her generation and its interaction with the business, political, and social spheres. "Young, Educated, and Broke", a travel journal memoir, is the intertwined journey in self-exploration of a young twenty-something and her Millennial cohort in America. Borromeo’s social commentary takes the reader around the world to witness firsthand her path to personal growth, as she watches the tragedies and triumphs of her life mirror those of her generation. During the 2008 economic collapse and the years that followed, the author shares her emotional highs and lows and the insights gained. The author and the generation of “America's New Poor” struggle to find a sense of identity, purpose, and security. The questions begin to pile up: Will I pay back my student loans? Was the American Dream really a myth? Will I ever be able to attain financial freedom and security? While the generation as a whole is still grappling with these questions, Borromeo’s personal journey inward takes the reader through the answers the she herself has found. In her last destination on the Big Island of Hawai’i, the author looks inward and finds answers that hold tremendous value for her life that may yet serve her generation in an even more profound way.

Download or read book The Broken Compass written by Keith Robinson and published by Harvard University Press. This book was released on 2014-01-06 with total page 323 pages. Available in PDF, EPUB and Kindle. Book excerpt: It seems like common sense that children do better when parents are actively involved in their schooling. But how well does the evidence stack up? The Broken Compass puts this question to the test in the most thorough scientific investigation to date of how parents across socioeconomic and ethnic groups contribute to the academic performance of K-12 children. The surprising discovery is that no clear connection exists between parental involvement and student performance. Keith Robinson and Angel Harris assessed over sixty measures of parental participation, at home and in school. While some of the associations they found were consistent with past studies, others ran contrary to previous research and popular perceptions. It is not the case that Hispanic and African American parents are less concerned about education--or that "Tiger parenting" among Asian Americans gets the desired results. Many low-income parents want to be involved in their children's school lives but often receive little support from school systems. For immigrant families, language barriers only worsen the problem. In this provocative work, Robinson and Harris believe that the time has come to reconsider whether parental involvement can make much of a dent in the basic problems facing American schools today.

Download or read book The Case against Education written by Bryan Caplan and published by Princeton University Press. This book was released on 2019-08-20 with total page 551 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why we need to stop wasting public funds on education Despite being immensely popular—and immensely lucrative—education is grossly overrated. Now with a new afterword by Bryan Caplan, this explosive book argues that the primary function of education is not to enhance students' skills but to signal the qualities of a good employee. Learn why students hunt for easy As only to forget most of what they learn after the final exam, why decades of growing access to education have not resulted in better jobs for average workers, how employers reward workers for costly schooling they rarely ever use, and why cutting education spending is the best remedy. Romantic notions about education being "good for the soul" must yield to careful research and common sense—The Case against Education points the way.

Download or read book College is Broken How To Create A Life of Wealth Freedom While Most Graduates Are Broke Stressed Moving Back In With Their Parents written by Chelsea Creekmore and published by . This book was released on 2020-03-22 with total page 254 pages. Available in PDF, EPUB and Kindle. Book excerpt: COLLEGE IS BROKEN Chelsea Creekmore graduated college in a mountain of debt with no clue how to manage finances-with a business degree but no clue how to actually start a business. Our society encourages young minds to plug and chug their way through the education system for a piece of paper, climb their way up the corporate ladder (even if it means missing their kids' soccer games), and then retire when they're too old and sick to enjoy the fruits of their labor. Author Chelsea Creekmore discovered a different path that led to more freedom, fulfillment, and financial abundance than she ever imagined. In College is Broken, Chelsea shares how self-education made her a millionaire in 3 years and how you can become one too.

Download or read book Young Educated and Broke written by Michael J Grus and published by . This book was released on 2021-12-20 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Start from within, question everything, and soon your hunger for financial literacy will consume you." Today, there is an extreme lack of financial education and, as young professionals enter the work force, they are blindsided by the amount of knowledge needed for financial success. Young, Educated and Broke: How a Questioning Mindset Can Combat the Financial Illiteracy Epidemic discusses the systematic way to navigate the world of personal finance and address how financial values and questions support and drive the improvement of financial literacy. In this book, you'll learn the digestible steps to building financial literacy and wealth and how to do so by utilizing money questions. You'll read about: My time at a financial advisory firm where I started my journey building and sharing financial literacy lessons. The trials and errors from others who have learned financial lessons the hard way. How even financial professionals were once beginners, highlighting the idea that we all start at zero. Young, Educated and Broke by Michael Grus speaks to young professionals and anyone seeking financial freedom, who want realistic viewpoints on personal finance or to view the shifting financial landscape in a new way. Financial literacy should not be a privilege to learn; it should be the standard. 

Download or read book Broke written by Laura T. Hamilton and published by University of Chicago Press. This book was released on 2021-02-16 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: Public research universities were previously able to provide excellent education to white families thanks to healthy government funding. However, that funding has all but dried up in recent decades as historically underrepresented students have gained greater access, and now less prestigious public universities face major economic challenges. In Broke, Laura T. Hamilton and Kelly Nielsen examine virtually all aspects of campus life to show how the new economic order in public universities, particularly at two campuses in the renowned University of California system, affects students. For most of the twentieth century, they show, less affluent families of color paid with their taxes for wealthy white students to attend universities where their own offspring were not welcome. That changed as a subset of public research universities, some quite old, opted for a “new” approach, making racially and economically marginalized youth the lifeblood of the university. These new universities, however, have been particularly hard hit by austerity. To survive, they’ve had to adapt, finding new ways to secure funding and trim costs—but ultimately it’s their students who pay the price, in decreased services and inadequate infrastructure. ? The rise of new universities is a reminder that a world-class education for all is possible. Broke shows us how far we are from that ideal and sets out a path for how we could get there.

Download or read book Educated written by Tara Westover and published by Random House. This book was released on 2018-02-20 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: #1 NEW YORK TIMES, WALL STREET JOURNAL, AND BOSTON GLOBE BESTSELLER • One of the most acclaimed books of our time: an unforgettable memoir about a young woman who, kept out of school, leaves her survivalist family and goes on to earn a PhD from Cambridge University “Extraordinary . . . an act of courage and self-invention.”—The New York Times NAMED ONE OF THE TEN BEST BOOKS OF THE YEAR BY THE NEW YORK TIMES BOOK REVIEW • ONE OF PRESIDENT BARACK OBAMA’S FAVORITE BOOKS OF THE YEAR • BILL GATES’S HOLIDAY READING LIST • FINALIST: National Book Critics Circle’s Award In Autobiography and John Leonard Prize For Best First Book • PEN/Jean Stein Book Award • Los Angeles Times Book Prize Born to survivalists in the mountains of Idaho, Tara Westover was seventeen the first time she set foot in a classroom. Her family was so isolated from mainstream society that there was no one to ensure the children received an education, and no one to intervene when one of Tara’s older brothers became violent. When another brother got himself into college, Tara decided to try a new kind of life. Her quest for knowledge transformed her, taking her over oceans and across continents, to Harvard and to Cambridge University. Only then would she wonder if she’d traveled too far, if there was still a way home. “Beautiful and propulsive . . . Despite the singularity of [Westover’s] childhood, the questions her book poses are universal: How much of ourselves should we give to those we love? And how much must we betray them to grow up?”—Vogue NAMED ONE OF THE BEST BOOKS OF THE YEAR BY The Washington Post • O: The Oprah Magazine • Time • NPR • Good Morning America • San Francisco Chronicle • The Guardian • The Economist • Financial Times • Newsday • New York Post • theSkimm • Refinery29 • Bloomberg • Self • Real Simple • Town & Country • Bustle • Paste • Publishers Weekly • Library Journal • LibraryReads • Book Riot • Pamela Paul, KQED • New York Public Library

Download or read book Welcome to the Writer s Life written by Paulette Perhach and published by National Geographic Books. This book was released on 2018-08-14 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn how to take your work to the next level with this informative guide on the craft, business, and lifestyle of writing With warmth and humor, Paulette Perhach welcomes you into the writer’s life as someone who has once been on the outside looking in. Like a freshman orientation for writers, this book includes an in-depth exploration of all the elements of being a writer—from your writing practice to your reading practice, from your writing craft to the all-important and often-overlooked business of writing. In Welcome to the Writer’s Life, you will learn how to tap into the powers of crowdsourcing and social media to grow your writing career. Perhach also unpacks the latest research on success, gamification, and lifestyle design, demonstrating how you can use these findings to further improve your writing projects. Complete with exercises, tools, checklists, infographics, and behind-the-scenes tips from working writers of all types, this book offers everything you need to jump-start a successful writing life.

Download or read book Educated But Broke written by John Cook and published by . This book was released on 2020-09-27 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: All of my friends have student loan debt. All of them. It's shocking and initially hopeless. Student loan debt has become the norm for many 20 to 40 somethings and the idea of living a life without the burden of Sallie Mae or the US Department of Education is laughable. Even talking about paying off student loan debt early triggers countless eyerolls and the all to common statements like "yeah but we live in _____ (insert any metro city here)" or "we don't makeenough money" or "we're waiting for the government to forgive our debt".For a long time, John was part of this group: educated, motivated, dual-income households achieving economic success. Accomplished young professionals who drove nice (leased) cars, while living in major-city apartments or lofts where rent consumed 40% of ones post-taxincome. Spending alot but saving very little. My friends and colleagues jokingly called this slice of society the educated but broke.It wasn't well into John's early 30s and $170,000 dollars of student loan debt later, did he realize that he was one of them. Seeking the wisdom of mentors who've created generational health, John took their advice and created a plan that enabled him to pay off over $170,000 of studentloan debt in 24 months. More importantly, he realized that on the path to true wealth creation, there were 8 money lessons which need to be mastered.Educated but broke outlines both the path to student loan freedomand the 8 money lessons to true wealth creation, including:1. Why your student loan interest is really keeping you broke2. Calculating the true cost of your loan3. Realizing that your FICO score is the greatest scam in modern America4. Why your life is better with no credit card debt, and how to get there5. How to determine to you pay off debt before contributing to your 401k6. Refinancing your debt can save you money if done correctly7. Accepting that government will never forgive your debt, and what to do now8. How to turn your money into more money with a written budgetwww.educatedbutbroke.com

Download or read book Broke in America written by Joanne Samuel Goldblum and published by BenBella Books. This book was released on 2021-02-02 with total page 321 pages. Available in PDF, EPUB and Kindle. Book excerpt: FOREWORD INDIES FINALIST — POLITICAL & SOCIAL SCIENCES NAUTILUS BOOK AWARDS SILVER MEDALIST — SOCIAL CHANGE & SOCIAL JUSTICE ERIC HOFFER BOOK AWARD 1ST RUNNER UP — CULTURE & MONTAIGNE MEDAL NOMINEE "A valuable resource in the fight against poverty." —Publishers Weekly "An exploration of why so many Americans are struggling financially . . . A down-to-earth overview of the causes and effects of poverty and possible remedies." —Kirkus Reviews Water. Food. Housing. The most basic and crucial needs for survival, yet 40 percent of people in the United States don't have the resources to get them. With key policy changes, we could eradicate poverty in this country within our lifetime—but we need to get started now. Nearly 40 million people in the United States live below the poverty line—about $26,200 for a family of four. Low-income families and individuals are everywhere, from cities to rural communities. While poverty is commonly seen as a personal failure, or a deficiency of character or knowledge, it's actually the result of bad policy. Public policy has purposefully erected barriers that deny access to basic needs, creating a society where people can easily become trapped—not because we lack the resources to lift them out, but because we are actively choosing not to. Poverty is close to inevitable for low-wage workers and their children, and a large percentage of these people, despite qualifying for it, do not receive government aid. From Joanne Samuel Goldblum and Colleen Shaddox, Broke in America offers an eye-opening and galvanizing look at life in poverty in this country: how circumstances and public policy conspire to keep people poor, and the concrete steps we can take to end poverty for good. In clear, accessible prose, Goldblum and Shaddox detail the ways the current system is broken and how it's failing so many of us. They also highlight outdated and ineffective policies that are causing or contributing to this unnecessary problem. Every chapter features action items readers can use to combat poverty—both nationwide and in our local communities, including the most effective public policies you can support and how to work hand-in-hand with representatives to affect change. So far, our attempted solutions have fallen short because they try to "fix" poor people rather than address the underlying problems. Fortunately, it's much easier to fix policy than people. Essential and timely, Broke in America offers a crucial road map for securing a brighter future.

Download or read book Paying the Price written by Sara Goldrick-Rab and published by University of Chicago Press. This book was released on 2016-09-01 with total page 382 pages. Available in PDF, EPUB and Kindle. Book excerpt: A “bracing and well-argued” study of America’s college debt crisis—“necessary reading for anyone concerned about the fate of American higher education” (Kirkus). College is far too expensive for many people today, and the confusing mix of federal, state, institutional, and private financial aid leaves countless students without the resources they need to pay for it. In Paying the Price, education scholar Sara Goldrick-Rab reveals the devastating effect of these shortfalls. Goldrick-Rab examines a study of 3,000 students who used the support of federal aid and Pell Grants to enroll in public colleges and universities in Wisconsin in 2008. Half the students in the study left college without a degree, while less than 20 percent finished within five years. The cause of their problems, time and again, was lack of money. Unable to afford tuition, books, and living expenses, they worked too many hours at outside jobs, dropped classes, took time off to save money, and even went without adequate food or housing. In many heartbreaking cases, they simply left school—not with a degree, but with crippling debt. Goldrick-Rab combines that data with devastating stories of six individual students, whose struggles make clear the human and financial costs of our convoluted financial aid policies. In the final section of the book, Goldrick-Rab offers a range of possible solutions, from technical improvements to the financial aid application process, to a bold, public sector–focused “first degree free” program. "Honestly one of the most exciting books I've read, because [Goldrick-Rab has] solutions. It's a manual that I'd recommend to anyone out there, if you're a parent, if you're a teacher, if you're a student."—Trevor Noah, The Daily Show

Download or read book After the Ivory Tower Falls written by Will Bunch and published by HarperCollins. This book was released on 2022-08-02 with total page 359 pages. Available in PDF, EPUB and Kindle. Book excerpt: From Pulitzer Prize–winning journalist Will Bunch, the epic untold story of college—the great political and cultural fault line of American life Winner of the Athenaeum of Philadelphia Literary Award | Longlisted for the PEN/John Kenneth Galbraith Award for Nonfiction | "This book is simply terrific." —Heather Cox Richardson | "Ambitious and engrossing." —New York Times Book Review | "A must-read." —Nancy MacLean, author of Democracy in Chains Today there are two Americas, separate and unequal, one educated and one not. And these two tribes—the resentful “non-college” crowd and their diploma-bearing yet increasingly disillusioned adversaries—seem on the brink of a civil war. The strongest determinant of whether a voter was likely to support Donald Trump in 2016 was whether or not they attended college, and the degree of loathing they reported feeling toward the so-called “knowledge economy" of clustered, educated elites. Somewhere in the winding last half-century of the United States, the quest for a college diploma devolved from being proof of America’s commitment to learning, science, and social mobility into a kind of Hunger Games contest to the death. That quest has infuriated both the millions who got shut out and millions who got into deep debt to stay afloat. In After the Ivory Tower Falls, award-winning journalist Will Bunch embarks on a deeply reported journey to the heart of the American Dream. That journey begins in Gambier, Ohio, home to affluent, liberal Kenyon College, a tiny speck of Democratic blue amidst the vast red swath of white, post-industrial, rural midwestern America. To understand “the college question,” there is no better entry point than Gambier, where a world-class institution caters to elite students amidst a sea of economic despair. From there, Bunch traces the history of college in the U.S., from the landmark GI Bill through the culture wars of the 60’s and 70’s, which found their start on college campuses. We see how resentment of college-educated elites morphed into a rejection of knowledge itself—and how the explosion in student loan debt fueled major social movements like Occupy Wall Street. Bunch then takes a question we need to ask all over again—what, and who, is college even for?—and pushes it into the 21st century by proposing a new model that works for all Americans. The sum total is a stunning work of journalism, one that lays bare the root of our political, cultural, and economic division—and charts a path forward for America.

Download or read book Broke written by Katherine Porter and published by Stanford University Press. This book was released on 2012-01-11 with total page 322 pages. Available in PDF, EPUB and Kindle. Book excerpt: About 1.5 million households filed bankruptcy in the last year, making bankruptcy as common as college graduation and divorce. The recession has pushed more and more families into financial collapse—with unemployment, declines in retirement wealth, and falling house values destabilizing the American middle class. Broke explores the consequences of this unprecedented growth in consumer debt and shows how excessive borrowing undermines the prosperity of middle class America. While the recession that began in mid-2007 has widened the scope of the financial pain caused by overindebtedness, the problem predated that large-scale economic meltdown. And by all indicators, consumer debt will be a defining feature of middle-class families for years to come. The staples of middle-class life—going to college, buying a house, starting a small business—carry with them more financial risk than ever before, requiring more borrowing and new riskier forms of borrowing. This book reveals the people behind the statistics, looking closely at how people get to the point of serious financial distress, the hardships of dealing with overwhelming debt, and the difficulty of righting one's financial life. In telling the stories of financial failures, this book exposes an all-too-real part of middle-class life that is often lost in the success stories that dominate the American economic narrative. Authored by experts in several disciplines, including economics, law, political science, psychology, and sociology, Broke presents analyses from an original, proprietary data set of unprecedented scope and detail, the 2007 Consumer Bankruptcy Project. Topics include class status, home ownership, educational attainment, impacts of self-employment, gender differences, economic security, and the emotional costs of bankruptcy. The book makes judicious use of illustrations to present key findings and concludes with a discussion of the implications of the data for contemporary policy debates.

Download or read book Hand to Mouth written by Linda Tirado and published by Penguin. This book was released on 2015-09-01 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt: The real-life Nickel and Dimed—the author of the wildly popular “Poverty Thoughts” essay tells what it’s like to be working poor in America. ONE OF THE FIVE MOST IMPORTANT BOOKS OF THE YEAR--Esquire “DEVASTATINGLY SMART AND FUNNY. I am the author of Nickel and Dimed, which tells the story of my own brief attempt, as a semi-undercover journalist, to survive on low-wage retail and service jobs. TIRADO IS THE REAL THING.”—Barbara Ehrenreich, from the Foreword As the haves and have-nots grow more separate and unequal in America, the working poor don’t get heard from much. Now they have a voice—and it’s forthright, funny, and just a little bit furious. Here, Linda Tirado tells what it’s like, day after day, to work, eat, shop, raise kids, and keep a roof over your head without enough money. She also answers questions often asked about those who live on or near minimum wage: Why don’t they get better jobs? Why don’t they make better choices? Why do they smoke cigarettes and have ugly lawns? Why don’t they borrow from their parents? Enlightening and entertaining, Hand to Mouth opens up a new and much-needed dialogue between the people who just don’t have it and the people who just don’t get it.

Download or read book Dear Broke Black Girl written by Tanesha Barnes and published by Lulu.com. This book was released on 2019-08-06 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dear Broke Black Girl by Tanesha Barnes is a poetic novel that tells the story and provides open letters to women who experience(d) emotional, financial, relational/social, and institutionalized brokenness. Sharing stories of experiences and personal triumph has the potential to give hope, to inspire, and to help change lives.