27-year-old personal finance expert Erin Lowry is the cash-savvy friend every 20- and 30-something needs. Instead of complicated 401k strategies and jargon-filled debt advice, her hilarious, easy-to-understand guide is the perfect way for financial management newbies to get their money in order or elevate their personal finance know-how. Broke Millennial includes essential lessons in tricky money matters to take you from in debt and overwhelmed to informed and financially empowered, such as- Managing student loan and credit card debt Budgeting and reaching financial benchmarks Negotiating an entry-level salary Splitting the bill with cash-strapped friends Navigating financial issues in serious relationships, and more Filled with practical suggestions and speaking specifically to issues that Millennials face as they age into adulthood, Broke Millennialis a fresh roadmap to financial literacy for a new generation.
For courses in Research Writing, Documentation Writing, and Advanced Composition. Featuring an engaging, direct writing style and inquiry-based approach, The Curious Researcher: A Guide to Writing Research Papers emphasizes that curiosity is the best reason for investigating ideas and information. An appealing alternative to traditional research texts, this popular research guide stands apart for its motivational tone, its conversational style, and its conviction that research writing can be full of rewarding discoveries. Offering a wide variety of examples from student and professional writers, this popular guide shows that good research and lively writing do not have to be mutually exclusive. Students are encouraged to find ways to bring their writing to life, even though they are writing with "facts." A unique chronological organization sets up achievable writing goals while it provides week-by-week guidance through the research process. Full explanations of the technical aspects of writing and documenting source-based papers help students develop sound research and analysis skills. The text also includes up-to-date coverage of MLA and APA styles.
Empire of the Fund is an expose and examination of the way we save now. With the rise of the 401(k) and demise of the pension, the United States has embarked upon the richest and riskiest experiment in our financial history. Over the next twenty years, nearly eighty million baby boomers willretire at a pace of ten thousand per day. The hypothesis of our experiment is that millions of ordinary, untrained, busy citizens can successfully manage trillions of dollars in a financial system dominated by wealthy, skilled, and powerful financial institutions, many of which have a record oftreating individual investors shabbily.The key tools in our 401(k) plans and individual retirement accounts are mutual funds, which have ballooned to hold more than $16 trillion. But these funds pose dangers to our savings in three ways: through structural vulnerabilities that give money managers the incentive to focus on marketing overinvesting; through the very human challenges of managing our savings decades into the future; and through the peril of financial professionals behaving badly, to our economic harm.Though Americans often hear of the importance of low fees in fund investing, few are aware of the astonishing panoply of ways that some financial advisers have illegally diverted money out of mutual funds: from abetting hedge funds to trade after the legal deadline, to inflating the assets on whichthey are paid a percentage, to paying kickbacks for brokers to sell their funds. This book will forewarn and forearm Americans by illustrating the structural flaws, perverse incentives, and litany of scandals that have bedeviled mutual funds.And by setting forth a pair of policy solutions to improve Americans' financial literacy and bargaining power, it will also attempt to safeguard our individual financial destinies and our nation's fiscal strength.
A survival guide for the FinTech era of banking FinTech Innovation examines the rise of financial technology and its growing impact on the global banking industry. Wealth managers are standing at the epicenter of a tectonic shift, as the balance of power between offering and demand undergoes a dramatic upheaval. Regulators are pushing toward a 'constrained offering' norm while private clients and independent advisors demand a more proactive role; practitioners need examine this banking evolution in detail to understand the mechanisms at work. This book presents analysis of the current shift and offers clear insight into what happens when established economic interests collide with social transformation. Business models are changing in profound ways, and the impact reaches further than many expect; the democratization of banking is revolutionizing the wealth management industry toward more efficient and client-centric advisory processes, and keeping pace with these changes has become a survival skill for financial advisors around the world. Social media, big data analytics and digital technology are disrupting the banking industry, which many have taken for granted as set in stone. This book shatters that assumption by illustrating the massive changes already underway, and provides thought leader insight into the changes yet to come. Examine the depth and breadth of financial technology Learn how regulations are driving changing business models Discover why investors may become the price-makers Understand the forces at work behind the rise of FinTech Information asymmetry has dominated the banking industry for centuries, keeping the bank/investor liability neatly aligned--but this is changing, and understanding and preparing for the repercussions must be a top priority for wealth managers everywhere. Financial Innovation shows you where the bar is being re-set and gives you the insight you need to keep up.
With theSkimm's trademark mix of real talk, humor, and inspirational messaging, this book gives you the information you need to make informed and empowered decisions in your life. Covering everything from personal finance, to career, to stress management, global politics, and more, How to Skimm Your Lifebreaks down some of the less glamorous parts of adulting and answers questions like- "What's the difference between an ETF and a mutual fund?" "How should I negotiate my salary when I'm offered a new job?" "Should I claim standard or itemized deductions on my taxes?" "How should I tip while traveling abroad?" "How do I read the wine list without breaking out a dictionary?" And much more . . . Wine & Food Travel Networking Job Searching Personal Growth Mental Health Time Management Budgeting Investing Health Insurance International Relations US Government With life hacks for anyone who's starting out in the real world, looking to make a change, or just wants a reset, How to Skimm Your Lifewill be time well spent-making it the perfect gift for graduation, birthdays, or your best friend "just because."
The information world has undergone drastic changes since the publication of the 3rd edition of The Oxford Guide to Library Research in 2005, and Thomas Mann, a veteran reference librarian at the Library of Congress, has extensively revised his text to reflect those changes. This book willanswer two basic questions: First, what is the extent of the significant research resources you will you miss if you confine your research entirely, or even primarily, to sources available on the open Internet? Second, if you are trying to get a reasonably good overview of the literature on aparticular topic, rather than just "something quickly" on it, what are the several alternative methods of subject searching - which are not available on the Web - that are usually much more efficient for that purpose than typing keywords into a blank search box, with the results displayed byrelevance-ranking computer algorithms?This book shows researchers how to do comprehensive research on any topic. It explains the variety of search mechanisms available, so that the researcher can have the reasonable confidence that s/he has not overlooked something important. This includes not just lists of resources, but discussions ofthe ways to search within them: how to find the best search terms, how to combine the terms, and how to make the databases (and other sources) show relevant material even when you don't know how to specify the best search terms in advance. The book's overall structuring by nine methods of searchingthat are applicable in any subject area, rather than by subjects or by types of literature, is unique among guides to research. Also unique is the range and variety of concrete examples of what to do - and of what not to do.The book is not "about" the Internet: it is about the best alternatives to the Internet - the sources that are not on the open Web to begin with, that can be found only through research libraries and that are more than ever necessary for any kind of substantive scholarly research. More than anyother research guide available, this book directly addresses and provides solutions to the serious problems outlined in recent studies documenting the profound lack of research skills possessed by today's "digital natives."
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.