About this product: If you are tired of struggling to make ends meet but don't know a 401(k) from Special K, this book is for you. Aimed specifically at "Generation Broke"--those in their twenties and thirties who are working yet buried in credit card debt and student loans--this user-friendly guide offers a clear introduction to practical investing and money management techniques that can turn even a dismal financial situation around. Bestselling author Suze Orman has a knack for taking the fear out of money matters, and in The Money Book for the Young, Fabulous &: Broke, she shows readers how to set priorities and achieve goals, whether it is to buy a house or save for retirement or pay for a child's education. She also offers inspiration to readers to face their financial problems and get started on a solution. After all, there is good news: young people still have the time to correct problems so that they will never be broke again. Readers who find terms such as diversification and IRA rollover scary--or worse, unimportant--will learn much from this book.
In these pages, Orman clearly and succinctly explains what a FICO score is and why it's so important, offers the lowdown on stocks and mutual funds, provides career advice, and offers lots of tips on dealing with student loan debt, saving money even when times are tight, debt consolidation strategies, and the safest way for newlyweds to merge their finances. She also offers information on credit cards, including why canceling cards is not a good idea, when it makes sense to use them, and the best strategies for paying them off. It may not be the only money book you'll ever need, but it's an excellent place to start. --Shawn Carkonen
All About Suze Orman
The Money Book for the Young, Fabulous & Broke is financial expert Suze Orman's answer to a generation's cry for help. An Emmy-award winner, Orman is the author of four consecutive New York Times® bestsellers, The 9 Steps to Financial Freedom, The Courage to Be Rich, The Road to Wealth, and The Laws of Money, the Lessons of Life. The Money Book was written to address the specific financial reality that young people face today, and it offers a set of real, not impossible, solutions to the problems at hand and the problems ahead.
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Suze Orman: The Bestsellers
The Courage to Be Rich
The Road to Wealth
The Laws of Money, the Lessons of Life
Suze Orman's Financial Guidebook
The 9 Steps to Financial Freedom
Money Cards: Words That Lead to Wealth
You've Earned it, Don't Lose It
The Money Book for the Young, Fabulous & Broke, Audio CD
About this product: Now in paperback: The New York Times bestselling author and star of A&E’s reality series Big Spender, Larry Winget, cleans up America’s personal finance crisis
More than 40 percent of families today are feeling financial pressure: spending more than they earn, and worrying about retiring and being dependent on the government, family, or charity. Larry Winget knows. He grew up poor, then made and lost a fortune when a business in which he’d invested went bankrupt. But he worked his way back from rock bottom to become a multimillionaire.
In You’re Broke Because You Want to Be, Winget expands on the ideas that have made his popular television show Big Spender a hit and offers straightforward talk about coming to grips with your finances, such as:
· Feel bad. Have remorse. You need to feel deep emotion to take action. So start crying and take responsibility. · Figure out who you owe and how much you owe. It’ll be a scary number to face, but you need to know where you are and what you have. · “People are stupid, lazy, or they don’t give a damn.” You already know you need to do something; Larry will help you finally do something. · Are you more interested in looking cool and being cute or providing a financially secure future for your family? How you spend your money will tell you that. With a boot-camp regimen that is steeped in personal accountability, Winget cuts through the double-talk contained in most finance books and presents a simple, guided program that is sure to motivate anyone out of their money problems.
About this product: As the cost of college steadily increases, paying for it requires insider strategies to maximize financial aid and minimize college costs. Paying for College Without Going Broke 2009 is thoroughly revised and updated to take the stress, confusion, and guess-work out of applying for financial aid.
The only book to include the latest financial aid forms and lists of annual changes in tax laws, it also shows students and their parents how to calculate their aid eligibility before applying to college and plan ahead to improve their chances of receiving aid. The book also includes advice on how to negotiate with financial aid offices, handle special circumstances (for single parents or independent students), and receive educational tax breaks. It is a must have for anyone concerned about the soaring costs of college tuition.
About this product: Hailed as a great success, welfare reform resulted in a dramatic decline in the welfare rolls--from 4.4 million families in 1996 to 2 million in 2003. But what does this "success" look like to the welfare mothers and welfare caseworkers who experienced it? In Flat Broke With Children, Sharon Hays tells us the story of welfare reform from inside the welfare office and inside the lives of welfare mothers, describing the challenges that welfare recipients face in managing their work, their families, and the rules and regulations of welfare reform. Welfare reform, experienced on the ground, is not a rosy picture. The majority of adult welfare clients are mothers--over 90 percent--and the time limits imposed by welfare reform throw millions of these mostly unmarried, desperate women into the labor market, where they must accept low wages, the most menial work, the poorest hours, with no benefits, and little flexibility. Hays provides a vivid portrait of their lives--debunking many of the stereotypes we have of welfare recipients--but she also steps back to explore what welfare reform reveals about the meaning of work and family life in our society. In particular, she argues that an inherent contradiction lies at the heart of welfare policy, which emphasizes traditional family values even as its ethic of "personal responsibility" requires women to work and leave their children in childcare or at home alone all day long. Hays devoted three years to visiting welfare clients and two welfare offices, one in a medium-sized town in the Southeast, another in a large, metropolitan area in the West. Drawing on this hands-on research, Flat Broke With Children is the first book to explore the impact of welfare reform on motherhood, marriage, and work in women's lives, and the first book to offer us a portrait of how welfare reform plays out in thousands of local welfare offices and in millions of homes across the nation.
About this product: Baby boomers, forget all you've learned from your parents about managing your money, your career, and your life. In Die Broke, Stephan Pollan challenges readers to rethink their notions of workplace, money, retirement, and inheritance. He believes that most of us are rooted in thinking that's out of sync with the realities of today's economy. For example, according to Pollan, the "job" is not what it used to be--there's no such thing as corporate loyalty. Making it in today's workplace means putting your own interests first, not your company's. Pollan argues that you should do your best at work, but make sure you're getting the best deal financially. If you're not, then get another job. After all, it's only a job.
Die Broke is organized into two sections: the first lays out the principles for dying broke. Pollan bases his whole argument on these four maxims: quit today and work for yourself, not your company; pay cash, melt your credit cards, and don't even think about using your ATM card; don't retire, retirement is a relatively new concept created during the Depression, instead plan to work all your life, and; die broke, after all, you can't take it with you.
The second part looks at specific instances of how to put this philosophy into action, covering everything from "Automated Teller Machines and Cards" and "Umbrella Liability Insurance" to "Mortgage Loans" and "Real Estate Investment Trusts." The book draws on Pollan's experience as a financial and legal consultant and includes many examples from his own practice.
Some may find Pollan's views extreme. However, if you're starting to think about retirement or are at all worried about your financial future, Die Broke is worth a look. Even if you think you've got it all figured out, this book could change your mind.
About this product: This book, originally published in 1932, presents a cosmology of a mass delusion which affects the mentality of the world. This takes place following World War I where the Federal Reserve System, for the first time, allowed flexible currency.
About this product: Over the last three decades, debt, bankruptcy, and home foreclosures have risen to epidemic levels. To make matters worse, the personal savings rate is at its lowest point since the Great Depression. Why, in the richest nation on earth, can't Americans hold on to our money? Winner of the prestigious William James Book Award for Believing in Magic and an authority on irrational behavior, Stuart Vyse offers a unique psychological perspective on the financial behavior of the many Americans today who find they cannot make ends meet, illuminating the causes of our wildly self-destructive spending habits. But unlike other authors, he doesn't entirely blame the victim. Bringing together fascinating studies of consumer behavior, he argues that the mountain of debt burying so many of us is the inevitable byproduct of America's turbo-charged economy and, in particular, of social and technological trends that undermine our self-control. Going Broke illuminates everything from the rise of the credit card, to the increase in state lotteries and casino gambling, to the expansion of new shopping opportunities provided by toll-free numbers, home shopping networks, big-box stores, and the Internet, revealing how vast changes in American society over the last 30 years have greatly complicated our relationship with money. Vyse concludes both with personal advice for the individual who wants to achieve greater financial stability and with pointed recommendations for economic and social change that will help promote the financial health of all Americans. Engagingly written, with startling insights into modern consumerism and with poignant human-interest stories of people facing financial failure, Going Broke offers a provocative new perspective on American economic behavior that is likely to stir controversy and serious debate.
Do you ever obsess about whether to order dessert, buy those pricey sandals, or be totally honest on a third date?
If so, then you are already acquainted with the fear of being fat, broke & lonely. If only we could eat less, get paid better, and be more outgoing.
Only it's not that simple. Our endless quest to be fit, flush, and partnered (no matter where we fall on the scale) inevitably makes us feel fat, broke & lonely. The symptoms are anxiety, shame, and fear, and the diagnosis is feeling miserable about ourselves. We have two choices: give up, convinced that this is just a lifelong, losing battle, or go toe-to-toe with our negative self-image and take back our lives.
Real-life anecdotes, practical strategies, and a touch of sass make this revolutionary five-step plan a must-read. First, Moran helps us discover the root of the symptoms. Then we learn how to break up with fat, broke & lonely for good. And finally, we learn how to hook up with the life of our dreams—and who doesn't want that?
About this product: What's A Girl To Do When She's Going Broke?
Sarai Emery is a young woman who lost her job as a radio disc jockey because of a heated breakup with her wealthy "dealer" boyfriend which was accidentally broadcasted live. With the sudden lost of income, she went from living it up to giving it up for cash when she met a stranger who promised her a steady income working for a high-society "escort" service. With thoughts of dodging the repo-man, past due bills, an impending eviction, and an Alzheimer-inflicted father’s nursing home care fresh on her mind, Sarai feels she has no choice but to plunge into a world where the line that separates sex and money is blurred beyond recognition. However, when she meets the man of her dreams, will she come clean about how she’s been paying her bills, or will her low down dirty secrets rise to the top on their own?
About this product: “People always say I’m going to look back on these days and laugh — why put it off?”
When Angela Nissel found herself struggling financially while in college, instead of sulking, she decided to entertain herself by creating an online journal that chronicled her day-to-day trials and tribulations. Written with humor and intelligence, her “Broke Diary” quickly found an audience as people wrote to Angela to empathize with, console, and laugh with her about her experiences and even share their own. The Broke Diaries is the first complete compilation of her experiences, written in a voice that is funny, unique, and dead-on.
On buying ramen noodles: I am sooooooo embarassed. I only have 33 cents. I (please don’t laugh) put the money on the counter and quickly attempt to dash out with my Chicken Flavored Salt Noodles. The guy calls me back! I look up instinctively, I should have run . . . Why didn’t I run???!! He tells me the noodles are 35 cents. I try to apologize sincerely. I thought the sign said 33 cents yesterday, so that’s all I brought with me. Could he wait while I ran home and get the 2 cents? I show him my student I.D. to let him know I am not a thief. He shakes his head and motions either for me to get the hell out of his store and never come back again or get the money as do come back. I don’t know. He said something like “Nyeh” and swiped his hand in my direction.
BOOK
The Money Book for the Young, Fabulous & Broke is financial expert Suze Orman's answer to a generation's cry for help. An Emmy-award winner, Orman is the author of four consecutive New York Times® bestsellers, The 9 Steps to Financial Freedom, The Courage to Be Rich, The Road to Wealth, and The Laws of Money, the Lessons of Life. The Money Book was written to address the specific financial reality that young people face today, and it offers a set of real, not impossible, solutions to the problems at hand and the problems ahead. 
