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Author: Curtis Ray
Publisher:
ISBN: 9781729218105
Category :
Languages : en
Pages : 177
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Book Description
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.
Author: Curtis Ray
Publisher:
ISBN: 9781729218105
Category :
Languages : en
Pages : 177
Get Book Here
Book Description
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.
Author: Peter Edelman
Publisher: New Press, The
ISBN: 1595589570
Category : Social Science
Languages : en
Pages : 160
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Book Description
“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).
Author: Barbara Ehrenreich
Publisher: Metropolitan Books
ISBN: 1429926643
Category : Social Science
Languages : en
Pages : 256
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Book Description
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.
Author: Curtis Ray
Publisher:
ISBN: 9781729137697
Category :
Languages : en
Pages : 177
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Book Description
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.
Author: Annie Lowrey
Publisher: Crown
ISBN: 1524758787
Category : Political Science
Languages : en
Pages : 274
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Book Description
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.
Author: Linda Tirado
Publisher: Penguin
ISBN: 0425277976
Category : Biography & Autobiography
Languages : en
Pages : 242
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Book Description
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.
Author: Joan Maya Mazelis
Publisher: NYU Press
ISBN: 1479870080
Category : Social Science
Languages : en
Pages : 301
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Book Description
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.
Author: Stephanie Land
Publisher: Hachette UK
ISBN: 0316505102
Category : Biography & Autobiography
Languages : en
Pages : 266
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Book Description
"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
Author: Sudhir Alladi Venkatesh
Publisher: Harvard University Press
ISBN: 9780674044647
Category : Social Science
Languages : en
Pages : 460
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Book Description
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.
Author: Hanya Yanagihara
Publisher: Vintage
ISBN: 0804172706
Category : Fiction
Languages : en
Pages : 833
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Book Description
NEW YORK TIMES BESTSELLER • A stunning “portrait of the enduring grace of friendship” (NPR) about the families we are born into, and those that we make for ourselves. A masterful depiction of love in the twenty-first century. NATIONAL BOOK AWARD FINALIST • MAN BOOKER PRIZE FINALIST • WINNER OF THE KIRKUS PRIZE A Little Life follows four college classmates—broke, adrift, and buoyed only by their friendship and ambition—as they move to New York in search of fame and fortune. While their relationships, which are tinged by addiction, success, and pride, deepen over the decades, the men are held together by their devotion to the brilliant, enigmatic Jude, a man scarred by an unspeakable childhood trauma. A hymn to brotherly bonds and a masterful depiction of love in the twenty-first century, Hanya Yanagihara’s stunning novel is about the families we are born into, and those that we make for ourselves. Look for Hanya Yanagihara’s latest bestselling novel, To Paradise.
