Download or read book Everyone Ends Up Poor written by Curtis Ray and published by . This book was released on 2018-10-24 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt: What is financial freedom and how do you achieve it? That is a question I asked myself in 2014. My name is Curtis Ray, from Gilbert, Arizona and the author of this book Everyone Ends Up Poor(tm). I want to tell you my story of financial discovery through family, entrepreneurism, product development, and an array of experiences. This is not a traditional story of an investment strategy secret or 401(k) success, but a story of true pursuit of knowledge, breaking down the whole system of financial planning, and discovering the inefficiencies and underwhelming results of the 401(k), IRA, Roth IRA and other traditional financial plans. Throughout the book I look back on my life of running numerous businesses, what I learned through rapid success, partnerships, my rise and fall of financial wealth, and what ultimately led me to a career in educating the public on the Rules of Money and how to achieve financial security.This book is like no book ever written. Explaining clearly why a 401(k), IRA, Roth IRA, and other traditional retirement vehicles are not your friend, were never designed to produce you a good retirement income, and why Everyone Ends Up Poor(tm). Once someone understands the pitfalls of the current financial system, I explain the steps that can be taken to improve your retirement success by up to 400%. Through the experience and knowledge found in my journey, anyone can start the path of financial freedom today. In this book I explain the 7 Rules of Money prosperity, the 9 pillars of financial planning, pitfalls to avoid as an entrepreneur, and the one-of-a-kind financial strategy called Maximum Premium Indexing or MPI(tm).Everyone Ends Up Poor(tm) will challenge every belief you have regarding the current financial planning system.
Download or read book So Rich So Poor written by Peter Edelman and published by New Press, The. This book was released on 2013-09-03 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A competent, thorough assessment from a veteran expert in the field.” —Kirkus Reviews Income disparities in our wealthy nation are wider than at any point since the Great Depression. The structure of today’s economy has stultified wage growth for half of America’s workers—with even worse results at the bottom and for people of color—while bestowing billions on the few at the very top. In this “accessible and inspiring analysis”, lifelong anti-poverty advocate Peter Edelman assesses how the United States can have such an outsized number of unemployed and working poor despite important policy gains. He delves into what is happening to the people behind the statistics and takes a particular look at young people of color, for whom the possibility of productive lives is too often lost on the way to adulthood (Angela Glover Blackwell). For anyone who wants to understand one of the critical issues of twenty-first century America, So Rich, So Poor is “engaging and informative” (William Julius Wilson) and “powerful and eloquent” (Wade Henderson).
Download or read book Nickel and Dimed written by Barbara Ehrenreich and published by Metropolitan Books. This book was released on 2010-04-01 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: The New York Times bestselling work of undercover reportage from our sharpest and most original social critic, with a new foreword by Matthew Desmond, author of Evicted Millions of Americans work full time, year round, for poverty-level wages. In 1998, Barbara Ehrenreich decided to join them. She was inspired in part by the rhetoric surrounding welfare reform, which promised that a job—any job—can be the ticket to a better life. But how does anyone survive, let alone prosper, on $6 an hour? To find out, Ehrenreich left her home, took the cheapest lodgings she could find, and accepted whatever jobs she was offered. Moving from Florida to Maine to Minnesota, she worked as a waitress, a hotel maid, a cleaning woman, a nursing-home aide, and a Wal-Mart sales clerk. She lived in trailer parks and crumbling residential motels. Very quickly, she discovered that no job is truly "unskilled," that even the lowliest occupations require exhausting mental and muscular effort. She also learned that one job is not enough; you need at least two if you int to live indoors. Nickel and Dimed reveals low-rent America in all its tenacity, anxiety, and surprising generosity—a land of Big Boxes, fast food, and a thousand desperate stratagems for survival. Read it for the smoldering clarity of Ehrenreich's perspective and for a rare view of how "prosperity" looks from the bottom. And now, in a new foreword, Matthew Desmond, author of Evicted: Poverty and Profit in the American City, explains why, twenty years on in America, Nickel and Dimed is more relevant than ever.
Download or read book Everyone Ends Up Poor written by Curtis Ray and published by . This book was released on 2018-10-22 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt: I have a passion for business development, product development and financial services specializing in retirement planning. I started my first business, Ray Brothers Granite, in 2004 with the concept of importing granite from overseas and providing a complete turn key installation service to the residential market. After 4 great years of success, I had the desire to create a new type of product in thin slabs of granite and other natural stones. In 2008, I began to travel to China often to design and develop Thin Natural Stone Panels. In 2009 the new product was ready to go to market so myself and 2 partners founded ForzaStone Building Solutions. In 2011, we opened up Direct Granite to supply and wholesale to the contractor base and provide all the granite and other stones to Ray Brothers Granite. In 2013, Direct Granite, Ray Brothers Granite, and ForzaStone moved into a high end showroom in Mesa, AZ and consolidated all my companies under 1 roof. Ray Brothers Granite and Direct Granite merged to form into one of the largest Wholesale/ Retail Home Interior Remodeling Company in Arizona as the name Premium Granite. To date my companies have imported over 500 containers in over 15 different construction product lines and revenues of over $40,000,000. We provide services to residential remodeling and new build, multi family apartments and condos, modular homes, hotels, and other applications.In 2014, I started a financial services business called SunCor Financial. I developed a retirement planning system called Maximum Premium Indexing currently in Patent Pending and expanding nationally. MPI focuses on the 9 essentials of a financial plan. Through MPI, a financial plan can produce up to 4x more Income with security than the traditional IRA, Roth, or 401k. I developed a seminar that I teach Nationally called "The Science of Retirement." I have a true passion for educating Millennials and Gen Y on rules of money, how to secure their future, and maximize their money.This book was written to help you create a financial plan that protects you, ensures your growth, and allows you to keep getting wealthier even when the market doesn't go your way.
Download or read book Give People Money written by Annie Lowrey and published by Crown. This book was released on 2018-07-10 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: A New York Times Book Review Editors' Choice Shortlisted for the 2018 FT & McKinsey Business Book of the Year Award A brilliantly reported, global look at universal basic income—a stipend given to every citizen—and why it might be necessary in an age of rising inequality, persistent poverty, and dazzling technology. Imagine if every month the government deposited $1,000 into your bank account, with nothing expected in return. It sounds crazy. But it has become one of the most influential and hotly debated policy ideas of our time. Futurists, radicals, libertarians, socialists, union representatives, feminists, conservatives, Bernie supporters, development economists, child-care workers, welfare recipients, and politicians from India to Finland to Canada to Mexico—all are talking about UBI. In this sparkling and provocative book, economics writer Annie Lowrey examines the UBI movement from many angles. She travels to Kenya to see how a UBI is lifting the poorest people on earth out of destitution, India to see how inefficient government programs are failing the poor, South Korea to interrogate UBI’s intellectual pedigree, and Silicon Valley to meet the tech titans financing UBI pilots in expectation of a world with advanced artificial intelligence and little need for human labor. Lowrey explores the potential of such a sweeping policy and the challenges the movement faces, among them contradictory aims, uncomfortable costs, and, most powerfully, the entrenched belief that no one should get something for nothing. In the end, she shows how this arcane policy has the potential to solve some of our most intractable economic problems, while offering a new vision of citizenship and a firmer foundation for our society in this age of turbulence and marvels.
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 Off the Books written by Sudhir Alladi Venkatesh and published by Harvard University Press. This book was released on 2009-06-30 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this revelatory book, Sudhir Venkatesh takes us into Maquis Park, a poor black neighborhood on Chicago's Southside, to explore the desperate and remarkable ways in which a community survives. The result is a dramatic narrative of individuals at work, and a rich portrait of a community. But while excavating the efforts of men and women to generate a basic livelihood for themselves and their families, Off the Books offers a devastating critique of the entrenched poverty that we so often ignore in America, and reveals how the underground economy is an inevitable response to the ghetto's appalling isolation from the rest of the country.
Download or read book Surviving Poverty written by Joan Maya Mazelis and published by NYU Press. This book was released on 2017-01-03 with total page 301 pages. Available in PDF, EPUB and Kindle. Book excerpt: Surviving Poverty carefully examines the experiences of people living below the poverty level, looking in particular at the tension between social isolation and social ties among the poor. Joan Maya Mazelis draws on in-depth interviews with poor people in Philadelphia to explore how they survive and the benefits they gain by being connected to one another. Half of the study participants are members of the Kensington Welfare Rights Union, a distinctive organization that brings poor people together in the struggle to survive. The mutually supportive relationships the members create, which last for years, even decades, contrast dramatically with the experiences of participants without such affiliation. In interviews, participants discuss their struggles and hardships, and their responses highlight the importance of cultivating relationships among people living in poverty. Surviving Poverty documents the ways in which social ties become beneficial and sustainable, allowing members to share their skills and resources and providing those living in similar situations a space to unite and speak collectively to the growing and deepening poverty in the United States. The study concludes that productive, sustainable ties between poor people have an enduring and valuable impact. Grounding her study in current debates about the importance of alleviating poverty, Mazelis proposes new modes of improving the lives of the poor. Surviving Poverty is invested in both structural and social change and demonstrates the power support services can have to foster relationships and build sustainable social ties for those living in poverty.
Download or read book The Wealth of the Poor written by Larry M. James and published by ACU Press. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Larry James appeared to be exactly where he was supposed to be-ministering with a large, suburban Dallas church. So why would he accept an invitation to direct a food pantry in one of the poorest neighborhoods in Dallas? What sealed the decision was something his wife, Brenda, said: "Larry, if you really believe all the things you've been telling us all these years, you need to take the job." So after fourteen years of preaching, he did. One day in the food pantry, Larry asked a woman named Josefina to help translate Spanish. She had come for assistance, but Josefina ended up helping any that day, and the next. Josefina came back the next day for nine years. Since that day two decades ago, Larry has been asking neighbors like Josefina to help solve their own problems, and this new way of serving side by side has transformed a small food pantry into one of the largest non-profit food distributors in the world. The organization-now called CitySquare-also develops housing for the formerly homeless and manages health clinics and community medical out reach in economically depressed and under-served places like East and South Dallas. This is an organizational success story you expect to see in the Wall Street journal, and yet it is like no other. Larry's journey provides the platform from which lie provides a practical, theological, market-savvy manual written for those who serve and invest in the work of urban transformation. Book jacket.
Download or read book Maid written by Stephanie Land and published by Hachette UK. This book was released on 2019-01-22 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt: "A single mother's personal, unflinching look at America's class divide (Barack Obama)," this New York Times bestselling memoir is the inspiration for the Netflix limited series, hailed by Rolling Stone as "a great one." At 28, Stephanie Land's dreams of attending a university and becoming a writer quickly dissolved when a summer fling turned into an unplanned pregnancy. Before long, she found herself a single mother, scraping by as a housekeeper to make ends meet. Maid is an emotionally raw, masterful account of Stephanie's years spent in service to upper middle class America as a "nameless ghost" who quietly shared in her clients' triumphs, tragedies, and deepest secrets. Driven to carve out a better life for her family, she cleaned by day and took online classes by night, writing relentlessly as she worked toward earning a college degree. She wrote of the true stories that weren't being told: of living on food stamps and WIC coupons, of government programs that barely provided housing, of aloof government employees who shamed her for receiving what little assistance she did. Above all else, she wrote about pursuing the myth of the American Dream from the poverty line, all the while slashing through deep-rooted stigmas of the working poor. Maid is Stephanie's story, but it's not hers alone. It is an inspiring testament to the courage, determination, and ultimate strength of the human spirit. "A single mother's personal, unflinching look at America's class divide, a description of the tightrope many families walk just to get by, and a reminder of the dignity of all work." -PRESIDENT BARACK OBAMA, Obama's Summer Reading List
Download or read book Poor People written by William T. Vollmann and published by Harper Collins. This book was released on 2010-10-05 with total page 468 pages. Available in PDF, EPUB and Kindle. Book excerpt: That was the simple yet groundbreaking question William T. Vollmann asked in cities and villages around the globe. The result of Vollmann's fearless inquiry is a view of poverty unlike any previously offered. Poor People struggles to confront poverty in all its hopelessness and brutality, its pride and abject fear, its fierce misery and quiet resignation, allowing the poor to explain the causes and consequences of their impoverishment in their own cultural, social, and religious terms. With intense compassion and a scrupulously unpatronizing eye, Vollmann invites his readers to recognize in our fellow human beings their full dignity, fallibility, pride, and pain, and the power of their hard-fought resilience. Some images that appeared in the print edition of this book are unavailable in the electronic edition due to rights reasons.
Download or read book The Lost Science of Compound Interest written by Curtis Ray and published by Yav. This book was released on 2020-03-08 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: Best-selling author and money scientist, Curtis Ray, is at it again. In a new and compelling story about money, science, art, evolution, discovery, creation, struggle, and ultimately, triumph, Curtis will take you on a life-changing journey through some of the most complicated mathematic money concepts by transforming them into an easily implemented path to unlimited wealth and prosperity. Curtis brings to life, in both words and graphics, the phenomenon of Compound Interest and the powerful influence it can have on your life. Like no other book, you will learn the simplest path to personal and financial freedom through a scientific approach to money, allowing the laws of Compound Interest to do all the heavy lifting in your pursuit of financial freedom.
Download or read book Die with Zero written by Bill Perkins and published by Houghton Mifflin. This book was released on 2020 with total page 243 pages. Available in PDF, EPUB and Kindle. Book excerpt: "A ... new philosophy and ... guide to getting the most out of your money--and out of life--for those who value memorable experiences as much as their earnings"--
Download or read book Scarcity written by Sendhil Mullainathan and published by Macmillan. This book was released on 2013-09-03 with total page 303 pages. Available in PDF, EPUB and Kindle. Book excerpt: A surprising and intriguing examination of how scarcity—and our flawed responses to it—shapes our lives, our society, and our culture
Download or read book Twenty Years of Life written by Suzanne Bohan and published by Island Press. This book was released on 2018-04-19 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Twenty Years of Life, Suzanne Bohan exposes the ugly truth that health is largely determined by zip code. Life expectancies in wealthy versus poor neighborhoods can vary by as much as twenty years. Bohan chronicles a bold experiment to challenge that inequity. The California Endowment, one of the nation's largest health foundations, is upending the old-school, top-down charity model and investing $1 billion over ten years to help distressed communities advocate for their own interests. With compassion and insight, Bohan shares stories of students and parents, former street shooters, urban farmers, and a Native American tribe who are tapping into their latent political power to make their neighborhoods healthier. Their stories will fundamentally change how we think about the root causes of disease and the prospects for healing.
Download or read book Strong Towns written by Charles L. Marohn, Jr. and published by John Wiley & Sons. This book was released on 2019-10-01 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: A new way forward for sustainable quality of life in cities of all sizes Strong Towns: A Bottom-Up Revolution to Build American Prosperity is a book of forward-thinking ideas that breaks with modern wisdom to present a new vision of urban development in the United States. Presenting the foundational ideas of the Strong Towns movement he co-founded, Charles Marohn explains why cities of all sizes continue to struggle to meet their basic needs, and reveals the new paradigm that can solve this longstanding problem. Inside, you’ll learn why inducing growth and development has been the conventional response to urban financial struggles—and why it just doesn’t work. New development and high-risk investing don’t generate enough wealth to support itself, and cities continue to struggle. Read this book to find out how cities large and small can focus on bottom-up investments to minimize risk and maximize their ability to strengthen the community financially and improve citizens’ quality of life. Develop in-depth knowledge of the underlying logic behind the “traditional” search for never-ending urban growth Learn practical solutions for ameliorating financial struggles through low-risk investment and a grassroots focus Gain insights and tools that can stop the vicious cycle of budget shortfalls and unexpected downturns Become a part of the Strong Towns revolution by shifting the focus away from top-down growth toward rebuilding American prosperity Strong Towns acknowledges that there is a problem with the American approach to growth and shows community leaders a new way forward. The Strong Towns response is a revolution in how we assemble the places we live.
Download or read book How to Win Friends and Influence People written by and published by ببلومانيا للنشر والتوزيع. This book was released on 2024-02-17 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: You can go after the job you want…and get it! You can take the job you have…and improve it! You can take any situation you’re in…and make it work for you! Since its release in 1936, How to Win Friends and Influence People has sold more than 30 million copies. Dale Carnegie’s first book is a timeless bestseller, packed with rock-solid advice that has carried thousands of now famous people up the ladder of success in their business and personal lives. As relevant as ever before, Dale Carnegie’s principles endure, and will help you achieve your maximum potential in the complex and competitive modern age. Learn the six ways to make people like you, the twelve ways to win people to your way of thinking, and the nine ways to change people without arousing resentment.
