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>FREE< Pound Foolish : Exposing the Dark Side of the Personal Finance Industry download pdf

>FREE< Pound Foolish : Exposing the Dark Side of the Personal Finance Industry download pdf

Helaine Olen,: Pound Foolish : Exposing the Dark Side of the Personal Finance Industry

Pound Foolish : Exposing the Dark Side of the Personal Finance Industry


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If you ve ever bought a personal finance book, watched a TV show about stock picking, listened to a radio show about getting out of debt, or attended a seminar to help you plan for your retirement, you ve probably heard some version of these quotes: What s keeping you from being rich? In most cases, it is simply a lack of belief. SUZE ORMAN, "The Courage to Be Rich" Are you latte-ing away your financial future? DAVID BACH, "Smart Women Finish Rich" I know you re capable of picking winning stocks and holding on to them. JIM CRAMER, "Mad Money" They re common refrains among personal finance gurus. There s just one problem: those and many similar statements are false. For the past few decades, Americans have spent billions of dollars on personal finance products. As salaries have stagnated and companies have cut back on benefits, we ve taken matters into our own hands, embracing the can-do attitude that if we re smart enough, we can overcome even daunting financial obstacles. But that s not true. In this meticulously reported and shocking book, journalist and former financial columnist Helaine Olen goes behind the curtain of the personal finance industry to expose the myths, contradictions, and outright lies it has perpetuated. She shows how an industry that started as a response to the Great Depression morphed into a behemoth that thrives by selling us products and services that offer little if any help. Olen calls out some of the biggest names in the business, revealing how even the most respected gurus have engaged in dubious, even deceitful, practices from accepting payments from banks and corporations in exchange for promoting certain products to blaming the victims of economic catastrophe for their own financial misfortune. "Pound Foolish "also disproves many myths about spending and saving, including: Small pleasures can bankrupt you: Gurus popularized the idea that cutting out lattes and other small expenditures could make us millionaires. But reducing our caffeine consumption will not offset our biggest expenses: housing, education, health care, and retirement. Disciplined investing will make you rich: Gurus also love to show how steady investing can turn modest savings into a huge nest egg at retirement. But these calculations assume a healthy market and a lifetime without any setbacks two conditions that have no connection to the real world. Women need extra help managing money: Product pushers often target women, whose alleged financial ignorance supposedly leaves them especially at risk. In reality, women and men are both terrible at handling finances. Financial literacy classes will prevent future economic crises: Experts like to claim mandatory sessions on personal finance in school will cure many of our money ills. Not only is there little evidence this is true, the entire movement is largely funded and promoted by the financial services sector. Weaving together original reporting, interviews with experts, and studies from disciplines ranging from behavioral economics to retirement planning, "Pound Foolish "is a compassionate and compelling book that will change the way we think and talk about our money."

Stop the presses! What if ancient civilizations had daily newspapers? And they were amusing and compellingly informative? They might just look like this innovative series of historical nonfiction, presented in a unique, kid-friendly format." Kokoro, meaning 'heart', is a tantalising novel about the friendship between a young man and an enigmatic elder whom he calls Sensei. Set in the early twentieth century, when the death of the emperor Meiji gave way to a new era in Japanese politicial and cultural life, the novel enacts the transition from one generation to the next in the dynamic between Sensei, who is haunted by mysterious events in his past, and the unnamed young man, one of the new generation's elite who will inherit the coming era. Between 1800 and 2000 life expectancy at birth rose from about 30 years to a global average of 67 years, and to more than 75 years in favored countries. This dramatic change, called the health transition, is characterized by a transition both in how long people expected to live, and how they expected to die. The most common age at death jumped from infancy to old age. Most people lived to know their children as adults, and most children became acquainted with their grandparents. Whereas earlier people died chiefly from Pound Foolish : Exposing the Dark Side of the Personal Finance Industry free download pdf infectious diseases with a short course, by later decades they died from chronic diseases, often with a protracted course. The ranks of people living in their most economically productive years filled out, and the old became commonplace figures everywhere. Rising Life Expectancy: A Global History examines the way humans reduced risks to their survival, both regionally and globally, to promote world population growth and population aging.


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Author: Helaine Olen,
Number of Pages: 304 pages
Published Date: 28 Feb 2013
Publisher: Penguin Putnam Inc
Publication Country: New York, United States
Language: English
ISBN: 9781591844891
Download Link: Click Here
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