From Broke to Broken Embracing a Life that Lacks Nothing is a spiritual journey that every Christian must take. Whether the need is financial, health or marital, God desires that we are usable for the glory of his kingdom, and that can only be attained when we experience a true spiritual breakthrough. Breakthrough occurs when that which is on the inside comes out, as in a seed. Yet, interestingly, the same could be said of brokenness. In a church age where Christians nationwide are crying out for breakthrough, it is evident that God has sent things that bring brokenness. Still, breakthrough and brokenness are the same thing. So, why do so few cry out for brokenness? This follow-up to the critically acclaimed, Tithing and Still Broke will show believers what really matters, as we embrace a life that lacks nothing. Yet, when we embrace such a life, the precious things we seek will not be found in places that are pretty. They will be found in places that are dangerous places where our security, our finances, and even our health are being challenged. Yet, these experiences are where the greatest treasures imaginable are harvested.

"Essential...in showcasing people who are persistent, clever, flawed, loving, struggling and full of contradictions, Broke affirms why it’s worth solving the hardest problems in our most challenging cities in the first place. " —Anna Clark, The New York Times "Through in-depth reporting of structural inequality as it affects real people in Detroit, Jodie Adams Kirshner's Broke examines one side of the economic divide in America" —Salon "What Broke really tells us is how systems of government, law and finance can crush even the hardiest of boot-strap pullers." —Brian Alexander, author of Glass House A galvanizing, narrative account of a city’s bankruptcy and its aftermath told through the lives of seven valiantly struggling Detroiters Bankruptcy and the austerity it represents have become a common "solution" for struggling American cities. What do the spending cuts and limited resources do to the lives of city residents? In Broke, Jodie Adams Kirshner follows seven Detroiters as they navigate life during and after their city's bankruptcy. Reggie loses his savings trying to make a habitable home for his family. Cindy fights drug use, prostitution, and dumping on her block. Lola commutes two hours a day to her suburban job. For them, financial issues are mired within the larger ramifications of poor urban policies, restorative negligence on the state and federal level and—even before the decision to declare Detroit bankrupt in 2013—the root causes of a city’s fiscal demise. Like Matthew Desmond’s Evicted, Broke looks at what municipal distress means, not just on paper but in practical—and personal—terms. More than 40 percent of Detroit’s 700,000 residents fall below the poverty line. Post-bankruptcy, they struggle with a broken real estate market, school system, and job market—and their lives have not improved. Detroit is emblematic. Kirshner makes a powerful argument that cities—the economic engine of America—are never quite given the aid that they need by either the state or federal government for their residents to survive, not to mention flourish. Success for all America’s citizens depends on equity of opportunity.

Broke but Not Broken is the true account of a Phoenix Homebuilder who went from a net worth of $46 million to Bankrupt just 18 months later. It is a very small account of the Housing collapse. It is however a big account of a man, a man much like each and every one of us. A man who made it to the big time only to have it all ripped away. The company and Mike Roberts were forced into Bankruptcy. The gritty account of the events surrounding the collapse are well documented here. As Mr. Roberts looked for an out it appeared the only way out was to end it all. In the final moment he rose from the floor and decided to fight on. Broke but not Broken takes you on the ride of a rich Scottsdale home builder to a man near death and staggering bitter defeats. Left penniless and divorced he somehow found the strength to start over and to rebuild and reinvent himself. The writing style of this book is extremely raw and is assured to keep the reader captivated and racing to read on. You will cry and you will cheer, you will believe that there is hope even when death seems like the only option. You will visit places that you have never been before and you will sit in the seat of the Author. You will live the American Dream and you will ask yourself it is a dream that is worth living. Clearly, one of the most critical books ever written for those who wish to know what it is like to be a millionaire only to be thrown to the wolves. It is also the book to read if you want to believe that when death seems so clear there is in fact life and that you can rise again. Broke But Not Broken travels from the arms of defeat to a robust winning attitude. Initially, when survival was the only torch the book soon transforms into a story of victories and the will to be better than ever before. It is filled with many winning philosophies and is designed to help us all rise from defeat to live another day, and not only live another day but to win and to be the very best you can be.

The year was 2000. The alternative music scene had all but died, and pre-packaged pop stars had filled the vacuum. But in a basement apartment in the heart of downtown Toronto, two musicians were forming a creative partnership that would revive the mass appeal of indie music and forever change how we think of a band. In this biography of the ever-evolving indie-rock collective, Broken Social Scene, music columnist Stuart Berman tracks the group's inception by Kevin Drew and Brendan Canning; groundbreaking performances at Ted's Wrecking Yard that raised the band's local status to mythical proportions; Broken Social Scene's meteoric rise upon the release of breakout album You Forgot It In People; the creation of Arts & Crafts records with music-biz maverick Jeffrey Remedios; and life on the road with revolving bandmates, including members of Stars, Metric, The Dears, and international pop sensation Feist. Stuart Berman has drawn from hours of interviews with members and affiliates of Broken Social Scene, and exclusive, never-before-seen photographs, gig posters, and artwork to create a spectacular oral and visual history of this ever-evolving indie-rock collective.

In 1889 a gold rush broke out on the Witwatersrand, changing South Africa's history forever. More than 130 years later the mining industry is still one of the biggest drivers of the economy, but at the expense of those who work underground. Broke & Broken is the story of the thousands of men from South Africa and beyond its borders who paid with their lives for generations. These are men who left their homes as healthy, ambitious youngsters and returned broke, broken and bitter; victims of the shameful legacy of gold mining. The book seeks to say the names of the mineworkers who have built this country's economy, because their own stories and their own spirits need to be magnified. The precious stone they spent most of their lives digging brought no shine to their lives - only pain, tears and death.

Glenn Beck, the New York Times bestselling author of The Great Reset, showcases his distinctive humor in taking on the political landscape in his fight to fix America—before it’s too late. As the most important presidential election in our history looms, ask yourself: Are America’s finances in better shape than they were four years ago? Or are we still BROKE? THE FACTS. THE FUTURE. THE FIGHT TO FIX AMERICA—BEFORE IT’S TOO LATE. Our nation is financially broke, but that’s just a side effect of our broken spirit, our broken faith in government, the broken promises by our leaders, and a broken political system that has centralized power at the expense of individual rights. How did we get into this mess? Glenn Beck thinks the answer is pretty simple: Because we’ve turned our backs on the Constitution. Few of us have ever seen the whole picture, and politicians have done everything in their power to hide the truth. Broke exposes what we’re really facing—and how to fix it. Packed with great stories from history, invaluable teachable moments, and Glenn Beck’s trademark combination of entertainment and enlightenment, Broke makes the case that when you’re traveling in the wrong direction, slight course corrections won’t cut it—you need to take drastic action. Through a return to individual rights, an uncompromising adherence to the Constitution, and a complete rethinking about the role of government in a free society, Glenn exposes the idea of “transformation” for the progressive smokescreen that it is, and instead builds a compelling case that restoration is the only way forward. With this awareness, it’s much easier to develop a realistic plan for uniting all Americans around the concept of shared sacrifice. After all, this generation may not be asked to storm beaches, but we are being asked to do something just as critical to preserving freedom.

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.

The system is broken: Construction CEOs are buying contractor's insurance based on the lowest premium, and the "savings" are costing them a fortune: up to $20 lost for every claim dollar spent. The status quo can break a growing company, because brokers get paid their commission, whether or not they help prevent claims, manage risks or improves safety -- and in most cases, they don't. Contractors can go broke: driven into bankruptcy by hidden exposures and insurance loopholes that leave them blind-sided to their biggest risks. Construction Risk Advisor Robert Phelan deconstructs the broken system with common-sense ideas to fix it: ways to help prevent the high cost of low-priced coverage and keep contractors from the dangers that can bring down their business.

The perfect book for anyone who hates our throwaway society and would much rather do it for themselves. Whether it's moth-eaten holes in clothes, fixing a microwave oven, mending a leaking dishwasher or fixing your bicycle, you'll be amazed just how many things can be mended with a few tools, a little bit of patience.

*** REVISED AND UPDATED EDITION *** "This book is a wise investment" Financial Times "A marvellous money manifesto" Helena Morrissey DBE, financier & founder of 30% club One out of three millennials today will never be able to buy their own house. Does it have to be like this? You're Not Broke You're Pre-Rich will tell you that it really doesn't; you can have your avocado on toast and stop renting and start saving too. In this book you will learn how to : Rent smart Buy a home Get a better salary Manage a credit card Understand your net worth / credit score Save more money Live within your budget Build a pension Invest Pay off your debt forever This essential handbook will help debunk the financial jargon and break the money taboo. Packed with actionable tips and no-nonsense practical advice, You're Not Broke You're Pre-Rich will teach you how to make your savings work for you, how you could invest your money, why you need to understand your pension and why your financial health is just as important as your mental and physical health. This updated and market-leading manual will be your comprehensive guide to financial freedom, giving you the confidence and conviction to regain control of your bank balance and live a happier, richer life.