Outlines the problem of child identity theft and offers parents practical advice to protect their children.

Through the lens of the Asian Financial Crisis, this book documents how international organizations and national governments crafted legal responses, through corporate bankruptcy reforms, to the fragility of financial markets in East Asia and worldwide.

Argues that the Democratic Party has besmirched the president's character, undermined worthy Republican efforts, and veered away from its historical practices and roles.

Several states are virtually bankrupt, including California and New York, with others fast approaching that status. In Tragedies of Our Own Making, West Virginia Supreme Court Justice Richard Neely distills the insights of a lifetime spent dealing with our nation's worst social problems. "Twenty years as a judge, " he writes, "has convinced me that state government fiscal crises, deteriorating schools, declining living standards among the old blue-collar class, and our rising crime rate are all strangely interrelated." His overriding conclusion? Problems including colossal Medicaid costs, savagery in the streets, and the falling relative wage rate of half our workforce all relate to a disintegrating family structure. All public agencies - welfare, the courts, public health, education - "are crumbling under the burden of acting as a surrogate family." In presenting a brilliant fiscal analysis of social insurance predicated on personal responsibility, Neely argues that "we are going broke because we are allowing excessive losses to be triggered through carelessness. Millions of children are being born to school-age girls and to parents who will needlessly divorce, making those children uncared for and insecure. Illegitimacy and divorce are to social insurance what leaving a pot of oil on a burning stove is to fire insurance." Neely paints a vivid picture of the "actuarial limits" of our ability to rescue people from the consequences of their own actions. He offers a two-part solution to the core problems of divorce and illegitimacy. First, Neely calls for a massive, government-financed media campaign aimed at educating the public on the financial and psychological costs of divorce toadults and children. He also presents a comprehensive and politically acceptable approach to improved birth control.

In 2005, more than two million Americans—six out of every 1,000 people—filed for bankruptcy. Though personal bankruptcy rates have since stabilized, bankruptcy remains an important tool for the relief of financially distressed households. In Bankrupt in America, Mary and Brad Hansen offer a vital perspective on the history of bankruptcy in America, beginning with the first lasting federal bankruptcy law enacted in 1898. Interweaving careful legal history and rigorous economic analysis, Bankrupt in America is the first work to trace how bankruptcy was transformed from an intermittently used constitutional provision, to an indispensable tool for business, to a central element of the social safety net for ordinary Americans. To do this, the authors track federal bankruptcy law, as well as related state and federal laws, examining the interaction between changes in the laws and changes in how people in each state used the bankruptcy law. In this thorough investigation, Hansen and Hansen reach novel conclusions about the causes and consequences of bankruptcy, adding nuance to the discussion of the relationship between bankruptcy rates and economic performance.

"Argues that America is enjoying a government-inflated bubble, one that reality will explode with disastrous consequences for the economy and for each of us"--Dust jacket flap.

Born Bankrupt introduces readers to the Great Transition that will affect the finances of everyone born after 1930. In his book, author Thomas P. Warren provides individuals and families with the knowledge and tools to ensure that they live their century of life without having to face actual bankruptcy. Born Bankrupt is organized in such a way that readers will first learn several important personal financial planning concepts that they must understand to fix being born bankrupt. He discusses how everyone is born with several certain life liabilities that create the born bankrupt condition and provides easy-to-read illustrations about how to develop steps to manage these liabilities. The "fix it" sections of the book walk the reader through the use of tools such as the Century of Life Balance Sheet to help control longevity risk. The role that investments play towards fixing bankrupt at birth is discussed in detail, and he lays the foundation for how an individual develops his or her own personal hurdle rate to manage their portfolios. The author discusses a wide-range of portfolio methods that the individual can adopt for themselves, or how to decide if seeking professional money management advice is the right path to follow. The author devotes much attention to investment risk management and introduces the reader to a new type of risk created by regulation and management of the global financial system. Many other useful strategies are discussed covering important steps to protect wealth, how to minimize investment losses, the role of insurance and annuities and how to handle financial distress. Mr. Warren discusses three types of transactions that individuals should avoid to prevent longevity risk. Finally, Mr. Warren offers advice for the younger generations about why it is important that they start funding their life's liabilities as early in life as possible.