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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."

A tie-in to the exceedingly popular Netflix series, The Orange Is the New Black Cookbook goes inside the cells, rec rooms, dining halls and of course, the infamous kitchen of the fictitious Litchfield Federal Prison. Staffed and run by a cast of wild inmates, the kitchen at Litchfield is in many ways the center of the show--a setting for camaraderie, drug smuggling, power struggles and plot twists. And then there is the food. With 100-plus stills from the show that highlight memorable moments, as Pound Foolish: Exposing the Dark Side of the Personal Finance Industry free epub well as 65 recipes and 20 sidebars that expand upon the fiction of the show, this book adds new dimensions to any fan's obsession. The recipes cover three square meals a day, plus snacks/sides, desserts and a list of "extras," such as drinks and other inventive recipes that are out of the norm. They include Red's Chicken Kiev, Miss Claudette's Coconut Cake, Pennsatucky's Family Beer Can Bird, Prison Punch and much more. The sidebars will include shots of important sets that will be diagrammed with highlighted facts, the recipe for PoPi Soap, Cal's DIY Thanksgiving tablescape guide, pages from Morello's wedding binder and much more.

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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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