The bestselling author of The Martian returns with an irresistible new near-future thriller—a heist story set on the moon. Jasmine Bashara never signed up to be a hero. She just wanted to get rich. Not crazy, eccentric-billionaire rich, like many of the visitors to her hometown of Artemis, humanity’s first and only lunar colony. Just rich enough to move out of her coffin-sized apartment and eat something better than flavored algae. Rich enough to pay off a debt she’s owed for a long time. So when a chance at a huge score finally comes her way, Jazz can’t say no. Sure, it requires her to graduate from small-time smuggler to full-on criminal mastermind. And it calls for a particular combination of cunning, technical skills, and large explosions—not to mention sheer brazen swagger. But Jazz has never run into a challenge her intellect can’t handle, and she figures she’s got the ‘swagger’ part down. The trouble is, engineering the perfect crime is just the start of Jazz’s problems. Because her little heist is about to land her in the middle of a conspiracy for control of Artemis itself. Trapped between competing forces, pursued by a killer and the law alike, even Jazz has to admit she’s in way over her head. She’ll have to hatch a truly spectacular scheme to have a chance at staying alive and saving her city. Jazz is no hero, but she is a very good criminal. That’ll have to do. Propelled by its heroine’s wisecracking voice, set in a city that’s at once stunningly imagined and intimately familiar, and brimming over with clever problem-solving and heist-y fun, Artemis is another irresistible brew of science, suspense, and humor from #1 bestselling author Andy Weir.

Dave Ramsey explains those scriptural guidelines for handling money.

The strengths and abilities children develop from infancy through adolescence are crucial for their physical, emotional, and cognitive growth, which in turn help them to achieve success in school and to become responsible, economically self-sufficient, and healthy adults. Capable, responsible, and healthy adults are clearly the foundation of a well-functioning and prosperous society, yet America's future is not as secure as it could be because millions of American children live in families with incomes below the poverty line. A wealth of evidence suggests that a lack of adequate economic resources for families with children compromises these children's ability to grow and achieve adult success, hurting them and the broader society. A Roadmap to Reducing Child Poverty reviews the research on linkages between child poverty and child well-being, and analyzes the poverty-reducing effects of major assistance programs directed at children and families. This report also provides policy and program recommendations for reducing the number of children living in poverty in the United States by half within 10 years.

Monthly Payment Amortization Tables for Small Loans is a practical tool for anyone who needs to calculate mortgage loan payments, and prefers to do it the old fashioned way. It includes clean well laid out tables for mortgage loans from $20,000 to $1,000,000, interest rates from 1.00% to 20.75%, and terms from 3 to 40 years. One mortgage loan amount per 2-page spread allows you to quickly compare how varying interest rates and loan term options affect monthly payment. 5x8 paperback size is perfect to bring along to your bank, mortgage broker, credit union, real estate agent, or attorney. It's also a great tool for any bank or credit union loan officer, mortgage broker, real estate agent, attorney, or accountant. Accurate printed tables work every time, even when tablets and smartphones don't. Needs no batteries or chargers, no software updates, and virtually no learning curve - just turn pages to look up your numbers! It cannot be hacked, and does not suffer from broken screens. Works every time!

The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on "the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government."News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com.

Decades before Occupy Wall Street challenged the American financial system, activists began organizing alternatives to provide capital to “unbankable” communities and the poor. With roots in the civil rights, anti-poverty, and other progressive movements, they brought little training in finance. They formed nonprofit loan funds, credit unions, and even a new bank—organizations that by 1992 became known as “community development financial institutions,” or CDFIs. By melding their vision with that of President Clinton, CDFIs grew from church basements and kitchen tables to number more than 1,000 institutions with billions of dollars of capital. They have helped transform community development by providing credit and financial services across the United States, from inner cities to Native American reservations. Democratizing Finance traces the roots of community development finance over two centuries, a history that runs from Benjamin Franklin, through an ill-starred bank for African American veterans of the Civil War, the birth of the credit union movement, and the War on Poverty. Drawn from hundreds of interviews with CDFI leaders, presidential archives, and congressional testimony, Democratizing Finance provides an insider view of an extraordinary public policy success. Democratizing Finance is a unique resource for practitioners, policymakers, researchers, and social investors.

"Payments Systems in the U.S." is a comprehensive description of the systems - (cards, checks, cash, ACH, etc.) that move money between and among consumers and enterprises in the U.S. In clear and lively writing, the authors explain what they systems are, how they work, who uses them, who provides them, who profits from them and how they are changing. Anyone working in the payments industry - or needing to use payments products - can benefit from understanding this. The second edition updates information on card, ACH, and check systems, as well as providing perspective on developments in emerging payments.

From one of the worlds most trusted experts on personal finance comes a "route planner," identifying easy moves to get young people on the road to financial recovery and within reach of their dreams.

Content Description #Revision of author's thesis (doctoral)--University of Chicago, 1993.#Includes bibliographical references and index.

Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is "financial empowerment" and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals.