Young, Broke, and Educated


Book Description

Alexander Baima graduated college with $80,000 in student debt at the age of 23 from one of the top 25 business schools in America. After college he went to work as a financial planner and serviced fortune 500 clients. He created the financial plans that brokers took credit for, and while they grossed millions a year, he made minimum wage. At 29, his parents had a house with an $80,000 mortgage and a child - and they lived on one income. At 29, Alexander still had over $50,000 in student debt. How could previous generations have so much more than most millennials who still struggle with little hope for the future? Young, Broke and Educated investigates the decline of purchasing power among young people, especially over the last generation. It explores in basic, easy to understand terms, how economic systems have evolved to hinder the financial success of millennials and the incentives that government, big business and banks have to prevent progressive change. Alexander Baima, a master in the field of eCommerce and early adopter of blockchain technology, walks you through, step-by-step, what the issues are and what needs to change to ensure that millennials and future generations have access to the same type of success that previous generations took for granted.




Broke


Book Description

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.




The Privileged Poor


Book Description

An NPR Favorite Book of the Year “Breaks new ground on social and educational questions of great import.” —Washington Post “An essential work, humane and candid, that challenges and expands our understanding of the lives of contemporary college students.” —Paul Tough, author of Helping Children Succeed “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 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.




Broke Millennial


Book Description

WASHINGTON POST “COLOR OF MONEY” BOOK CLUB PICK Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)! If you’re a cash-strapped 20- or 30-something, it’s easy to get freaked out by finances. But you’re not doomed to spend your life drowning in debt or mystified by money. It’s time to stop scraping by and take control of your money and your life with this savvy and smart guide. Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn’t just cover boring stuff like credit card debt, investing, and dealing with the dreaded “B” word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including: - Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material? - Managing student loans without having a full-on panic attack - What to do when you’re out with your crew and can’t afford to split the bill evenly - How to get “financially naked” with your partner and find out his or her “number” (debt number, of course) . . . and much more. Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let’s #GYFLT!




Welcome to the Writer's Life


Book Description

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.




Educated


Book Description

#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




Common Financial Sense: Simple Strategies for Successful 401(k) & 403(b) Retirement Plan Investing


Book Description

The decisions you make about your 401(k) or 403(b) plan today will have a huge impact on your life tomorrow. Your future isn't going to pay for itself. Common Financial Sense will give you the knowledge you need to fund the retirement you deserve. Common Financial Sense helps you to better understand your 401(k) or 403(b) plan and how to save smarter for your retirement. Common Financial Sense lays out the basics of 401(k) and 403(b) planning in simple, easy to understand language. With the guidance of nationally recognized investment experts Harris Nydick and Greg Makowski, you'll learn how to: Choose the investments best suited for you Make other important choices that are appropriate to your stage of life Identify common misconceptions about retirement planning Calculate the optimum amount to save each year Be calm in the face of market fluctuations Get to retirement with a large enough nest egg When it comes to investing for your future, many people don't even know where to begin or what questions to ask. Common Financial Sense is your starting point.




After the Ivory Tower Falls


Book Description

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.




The Broken Compass


Book Description

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.




The Money Book for the Young, Fabulous & Broke


Book Description

From one of the worlds most trusted experts on personal finance comes a "route planner," identifying easy moves to get young people on the road to financial recovery and within reach of their dreams.