One of the world’s top experts in behavioral finance offers innovative strategies for improving 401(k) plans. Half of Americans do not have access to a retirement saving plan at their workplace. Of those who do about a third fail to join. And those who do join tend to save too little and often make unwise investment decisions. In short, the 401(k) world is in crisis, and workers need help. Save More Tomorrow provides that help by focusing on the behavioral challenges that led to this crisis inertia, limited self-control, loss aversion, and myopia—and transforms them into behavioral solutions. These solutions, or tools, are based on cutting edge behavioral finance research and they can dramatically improve outcomes by, for example, helping employees: -Save, even if they aren’t ready to do so now, by using future enrollment. -Save more by showing them images of their future selves. -Save smarter by reshuffling the order of funds on the investment menu. Save More Tomorrow is the first comprehensive application of behavioral finance to improve retirement outcomes. It also makes it easy for plan sponsors and their advisers to apply these behavioral tools using its innovative Behavioral Audit process.

“Informative, inspiring.” —Kirkus Reviews In an inspiring middle grade nonfiction work, P. O’Connell Pearson tells the story of the Civilian Conservation Corps—one of Franklin Delano Roosevelt’s New Deal projects that helped save a generation of Americans. When Franklin D. Roosevelt took office in March 1933, the United States was on the brink of economic collapse and environmental disaster. Thirty-four days later, the first of over three million impoverished young men was building parks and reclaiming the nation’s forests and farmlands. The Civilian Conservation Corps—FDR’s favorite program and “miracle of inter-agency cooperation”—resulted in the building and/or improvement of hundreds of state and national parks, the restoration of nearly 120 million acre of land, and the planting of some three billion trees—more than half of all the trees ever planted in the United States. Fighting for the Forest tells the story of the Civilian Conservation Corp through a close look at Shenandoah National Park in Virginia (the CCC’s first project) and through the personal stories and work of young men around the nation who came of age and changed their country for the better working in Roosevelt’s Tree Army.

A must-have guide for bargain-hunting fashionistas looking to make a statement without sabotaging their budgets. With this easy-to-use resource, savvy shoppers can cultivate upscale, upcycled wardrobes at thrift and consignment store prices. Shoppers will learn to navigate the racks of their local consignment shop, spot name brands like Versace, Dior, and Burberry, select the best quality items, and repair secondhand clothes that need some love. Photo-filled chapters on thrifted handbags, jewelry, scarves, and other accessories show what's available and give tips for distinguishing quality items from fakes. Interviews with expert tailors, dry cleaners, shoe repair wizards, and fabric-dyeing professionals explain what makes a damaged piece of clothing worth renovating. Before-and-after photos show what can be done to refashion less-than-perfect finds.

How did 121,000 Americans save their most beloved icon? Here is an inspiring story about the power we have when we all work together! "All rise to this evocative, empowering offering." -- Kirkus Reviews On America's 100th birthday, the people of France built a giant gift! It was one of the largest statues the world had ever seen -- and she weighed as much as 40 elephants! And when she arrived on our shores in 250 pieces, she needed a pedestal to hold her up. Few of America's millionaires were willing to foot the bill. Then, Joseph Pulitzer (a poor Hungarian immigrant-cum-newspaper mogul) appealed to his fellow citizens. He invited them to contribute whatever they could, no matter how small an amount, to raise funds to mount this statue. The next day, pennies, nickels, dimes, and quarters poured in. Soon, Pulitzer's campaign raised enough money to construct the pedestal. And with the help of everyday Americans (including many thousands of schoolchildren!) the Statue of Liberty rose skyward, torch ablaze, to welcome new immigrants for a life of freedom and opportunity! Chana Stiefel's charming and immediate writing style is perfectly paired with Chuck Groenink's beautiful, slyly humorous illustrations. Back matter with photographs included.

A National Bestseller! What does an undocumented immigrant look like? What kind of family must she come from? How could she get into this country? What is the true price she must pay to remain in the United States? JULISSA ARCE knows firsthand that the most common, preconceived answers to those questions are sometimes far too simple-and often just plain wrong. On the surface, Arce's story reads like a how-to manual for achieving the American dream: growing up in an apartment on the outskirts of San Antonio, she worked tirelessly, achieved academic excellence, and landed a coveted job on Wall Street, complete with a six-figure salary. The level of professional and financial success that she achieved was the very definition of the American dream. But in this brave new memoir, Arce digs deep to reveal the physical, financial, and emotional costs of the stunning secret that she, like many other high-achieving, successful individuals in the United States, had been forced to keep not only from her bosses, but even from her closest friends. From the time she was brought to this country by her hardworking parents as a child, Arce-the scholarship winner, the honors college graduate, the young woman who climbed the ladder to become a vice president at Goldman Sachs-had secretly lived as an undocumented immigrant. In this surprising, at times heart-wrenching, but always inspirational personal story of struggle, grief, and ultimate redemption, Arce takes readers deep into the little-understood world of a generation of undocumented immigrants in the United States today- people who live next door, sit in your classrooms, work in the same office, and may very well be your boss. By opening up about the story of her successes, her heartbreaks, and her long-fought journey to emerge from the shadows and become an American citizen, Arce shows us the true cost of achieving the American dream-from the perspective of a woman who had to scale unseen and unimaginable walls to get there.

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.