Everyone Ends Up Poor!

Everyone Ends Up Poor! PDF

Author: Curtis Ray

Publisher:

Published: 2018-10-24

Total Pages: 177

ISBN-13: 9781729218105

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What is financial freedom and how do you achieve it? That is a question I asked myself in 2014. My name is Curtis Ray, from Gilbert, Arizona and the author of this book Everyone Ends Up Poor(tm). I want to tell you my story of financial discovery through family, entrepreneurism, product development, and an array of experiences. This is not a traditional story of an investment strategy secret or 401(k) success, but a story of true pursuit of knowledge, breaking down the whole system of financial planning, and discovering the inefficiencies and underwhelming results of the 401(k), IRA, Roth IRA and other traditional financial plans. Throughout the book I look back on my life of running numerous businesses, what I learned through rapid success, partnerships, my rise and fall of financial wealth, and what ultimately led me to a career in educating the public on the Rules of Money and how to achieve financial security.This book is like no book ever written. Explaining clearly why a 401(k), IRA, Roth IRA, and other traditional retirement vehicles are not your friend, were never designed to produce you a good retirement income, and why Everyone Ends Up Poor(tm). Once someone understands the pitfalls of the current financial system, I explain the steps that can be taken to improve your retirement success by up to 400%. Through the experience and knowledge found in my journey, anyone can start the path of financial freedom today. In this book I explain the 7 Rules of Money prosperity, the 9 pillars of financial planning, pitfalls to avoid as an entrepreneur, and the one-of-a-kind financial strategy called Maximum Premium Indexing or MPI(tm).Everyone Ends Up Poor(tm) will challenge every belief you have regarding the current financial planning system.

So Rich, So Poor

So Rich, So Poor PDF

Author: Peter Edelman

Publisher: New Press, The

Published: 2013-09-03

Total Pages: 160

ISBN-13: 1595589570

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“A competent, thorough assessment from a veteran expert in the field.” —Kirkus Reviews Income disparities in our wealthy nation are wider than at any point since the Great Depression. The structure of today’s economy has stultified wage growth for half of America’s workers—with even worse results at the bottom and for people of color—while bestowing billions on the few at the very top. In this “accessible and inspiring analysis”, lifelong anti-poverty advocate Peter Edelman assesses how the United States can have such an outsized number of unemployed and working poor despite important policy gains. He delves into what is happening to the people behind the statistics and takes a particular look at young people of color, for whom the possibility of productive lives is too often lost on the way to adulthood (Angela Glover Blackwell). For anyone who wants to understand one of the critical issues of twenty-first century America, So Rich, So Poor is “engaging and informative” (William Julius Wilson) and “powerful and eloquent” (Wade Henderson).

Everyone Ends Up Poor!

Everyone Ends Up Poor! PDF

Author: Curtis Ray

Publisher:

Published: 2018-10-22

Total Pages: 177

ISBN-13: 9781729137697

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I have a passion for business development, product development and financial services specializing in retirement planning. I started my first business, Ray Brothers Granite, in 2004 with the concept of importing granite from overseas and providing a complete turn key installation service to the residential market. After 4 great years of success, I had the desire to create a new type of product in thin slabs of granite and other natural stones. In 2008, I began to travel to China often to design and develop Thin Natural Stone Panels. In 2009 the new product was ready to go to market so myself and 2 partners founded ForzaStone Building Solutions. In 2011, we opened up Direct Granite to supply and wholesale to the contractor base and provide all the granite and other stones to Ray Brothers Granite. In 2013, Direct Granite, Ray Brothers Granite, and ForzaStone moved into a high end showroom in Mesa, AZ and consolidated all my companies under 1 roof. Ray Brothers Granite and Direct Granite merged to form into one of the largest Wholesale/ Retail Home Interior Remodeling Company in Arizona as the name Premium Granite. To date my companies have imported over 500 containers in over 15 different construction product lines and revenues of over $40,000,000. We provide services to residential remodeling and new build, multi family apartments and condos, modular homes, hotels, and other applications.In 2014, I started a financial services business called SunCor Financial. I developed a retirement planning system called Maximum Premium Indexing currently in Patent Pending and expanding nationally. MPI focuses on the 9 essentials of a financial plan. Through MPI, a financial plan can produce up to 4x more Income with security than the traditional IRA, Roth, or 401k. I developed a seminar that I teach Nationally called "The Science of Retirement." I have a true passion for educating Millennials and Gen Y on rules of money, how to secure their future, and maximize their money.This book was written to help you create a financial plan that protects you, ensures your growth, and allows you to keep getting wealthier even when the market doesn't go your way.

Nickel and Dimed

Nickel and Dimed PDF

Author: Barbara Ehrenreich

Publisher: Metropolitan Books

Published: 2010-04-01

Total Pages: 256

ISBN-13: 1429926643

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The New York Times bestselling work of undercover reportage from our sharpest and most original social critic, with a new foreword by Matthew Desmond, author of Evicted Millions of Americans work full time, year round, for poverty-level wages. In 1998, Barbara Ehrenreich decided to join them. She was inspired in part by the rhetoric surrounding welfare reform, which promised that a job—any job—can be the ticket to a better life. But how does anyone survive, let alone prosper, on $6 an hour? To find out, Ehrenreich left her home, took the cheapest lodgings she could find, and accepted whatever jobs she was offered. Moving from Florida to Maine to Minnesota, she worked as a waitress, a hotel maid, a cleaning woman, a nursing-home aide, and a Wal-Mart sales clerk. She lived in trailer parks and crumbling residential motels. Very quickly, she discovered that no job is truly "unskilled," that even the lowliest occupations require exhausting mental and muscular effort. She also learned that one job is not enough; you need at least two if you int to live indoors. Nickel and Dimed reveals low-rent America in all its tenacity, anxiety, and surprising generosity—a land of Big Boxes, fast food, and a thousand desperate stratagems for survival. Read it for the smoldering clarity of Ehrenreich's perspective and for a rare view of how "prosperity" looks from the bottom. And now, in a new foreword, Matthew Desmond, author of Evicted: Poverty and Profit in the American City, explains why, twenty years on in America, Nickel and Dimed is more relevant than ever.

The Book of the Poor

The Book of the Poor PDF

Author: Kenan Heise

Publisher:

Published: 2012

Total Pages: 0

ISBN-13: 9781936863334

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"Collecting dozens of interviews conducted over 50 years to give voice to the 16 percent that live below the poverty line, journalist Kenan Heise ... addresses unemployment, prison, nutrition needs and hunger, the lives of impoverished children, panhandling, health-care struggles, the role of race in poverty, and Dumpster diving"--P. [4] of cover.

Die with Zero

Die with Zero PDF

Author: Bill Perkins

Publisher: Houghton Mifflin

Published: 2020

Total Pages: 243

ISBN-13: 0358099765

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"A ... new philosophy and ... guide to getting the most out of your money--and out of life--for those who value memorable experiences as much as their earnings"--

Off the Books

Off the Books PDF

Author: Sudhir Alladi Venkatesh

Publisher: Harvard University Press

Published: 2009-06-30

Total Pages: 460

ISBN-13: 9780674044647

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In this revelatory book, Sudhir Venkatesh takes us into Maquis Park, a poor black neighborhood on Chicago's Southside, to explore the desperate and remarkable ways in which a community survives. The result is a dramatic narrative of individuals at work, and a rich portrait of a community. But while excavating the efforts of men and women to generate a basic livelihood for themselves and their families, Off the Books offers a devastating critique of the entrenched poverty that we so often ignore in America, and reveals how the underground economy is an inevitable response to the ghetto's appalling isolation from the rest of the country.

The Lost Science of Compound Interest

The Lost Science of Compound Interest PDF

Author: Curtis Ray

Publisher: Yav

Published: 2020-03-08

Total Pages: 200

ISBN-13: 9781937449070

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Best-selling author and money scientist, Curtis Ray, is at it again. In a new and compelling story about money, science, art, evolution, discovery, creation, struggle, and ultimately, triumph, Curtis will take you on a life-changing journey through some of the most complicated mathematic money concepts by transforming them into an easily implemented path to unlimited wealth and prosperity. Curtis brings to life, in both words and graphics, the phenomenon of Compound Interest and the powerful influence it can have on your life. Like no other book, you will learn the simplest path to personal and financial freedom through a scientific approach to money, allowing the laws of Compound Interest to do all the heavy lifting in your pursuit of financial freedom.

The Wealth of the Poor

The Wealth of the Poor PDF

Author: Larry M. James

Publisher: ACU Press

Published: 2013

Total Pages: 0

ISBN-13: 9780891123804

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Larry James appeared to be exactly where he was supposed to be-ministering with a large, suburban Dallas church. So why would he accept an invitation to direct a food pantry in one of the poorest neighborhoods in Dallas? What sealed the decision was something his wife, Brenda, said: "Larry, if you really believe all the things you've been telling us all these years, you need to take the job." So after fourteen years of preaching, he did. One day in the food pantry, Larry asked a woman named Josefina to help translate Spanish. She had come for assistance, but Josefina ended up helping any that day, and the next. Josefina came back the next day for nine years. Since that day two decades ago, Larry has been asking neighbors like Josefina to help solve their own problems, and this new way of serving side by side has transformed a small food pantry into one of the largest non-profit food distributors in the world. The organization-now called CitySquare-also develops housing for the formerly homeless and manages health clinics and community medical out reach in economically depressed and under-served places like East and South Dallas. This is an organizational success story you expect to see in the Wall Street journal, and yet it is like no other. Larry's journey provides the platform from which lie provides a practical, theological, market-savvy manual written for those who serve and invest in the work of urban transformation. Book jacket.

The Life You Can Save

The Life You Can Save PDF

Author: Peter Singer

Publisher: Random House Trade Paperbacks

Published: 2010

Total Pages: 242

ISBN-13: 0812981561

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Argues that for the first time in history we're in a position to end extreme poverty throughout the world, both because of our unprecedented wealth and advances in technology, therefore we can no longer consider ourselves good people unless we give more to the poor. Reprint.

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