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The Necessity of Finance

AN OVERVIEW OF THE SCIENCE OF MANAGEMENT OF WEALTH FOR AN INDIVIDUAL, A GROUP, OR AN ORGANIZATION

A well-crafted work for general readers that could serve as a basic textbook on the fundamentals of finance.

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A basic text about financial concepts that strives to elevate finance to the status of a science.

Ever since the 2008 recession, the financial world has achieved prominence, if not notoriety. Many casual observers have become more aware of the general financial health of the country, but they may be largely ignorant of relevant financial concepts. Criniti, a professor of finance, investor and former financial consultant, offers a primer written with uncluttered clarity which explains in simple language the difference between finance and economics. He also defines terms such as “financial manager,” “financier,” “financial statements,” “financial planning,” and “risk and return.” For example, investing, writes Criniti, “is the act of currently owning any asset, tangible or intangible, that is not associated with playing any perceived ongoing game of chance and is intended to maximize wealth based on acceptable levels of time and risk.” The author also addresses aspects of finance that other authors tend to overlook; for instance, Criniti points to “a high correlation between finance and health.” Referring to America’s health insurance challenge, he writes that “under the current American healthcare system, the wealthier you are the healthier you could be.” In another chapter, “Finance and the Environment,” Criniti postulates that “[e]nvironmental goals can only be accomplished when more wealth is directed toward them.” Throughout the book, Criniti lobbies for finance to be accepted as a full-fledged science, separate and apart from economics. He even wonders, “Where is the real Nobel Prize in finance? It doesn’t exist unless you call it financial economics.”

A well-crafted work for general readers that could serve as a basic textbook on the fundamentals of finance. 

Pub Date: Feb. 10, 2013

ISBN: 978-0988459502

Page Count: 218

Publisher: Criniti Publishing

Review Posted Online: April 24, 2013

Kirkus Reviews Issue: June 15, 2013

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BURY OUR BONES IN THE MIDNIGHT SOIL

A beautiful meditation on queer identity against a supernatural backdrop.

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Three women deal very differently with vampirism in Schwab’s era-spanning follow-up to The Invisible Life of Addie LaRue (2020).

In 16th-century Spain, Maria seduces a wealthy viscount in an attempt to seize whatever control she can over her own life. It turns out that being a wife—even a wealthy one—is just another cage, but then a mysterious widow offers Maria a surprising escape route. In the 19th century, Charlotte is sent from her home in the English countryside to live with an aunt in London when she’s found trying to kiss her best friend. She’s despondent at the idea of marrying a man, but another mysterious widow—who has a secret connection to Maria’s widow from centuries earlier—appears and teaches Charlotte that she can be free to love whomever she chooses, if she’s brave enough. In 2019, Alice’s memories of growing up in Scotland with her mercurial older sister, Catty, pull her mind away from her first days at Harvard University. And though she doesn’t meet any mysterious widows, Alice wakes up alone after a one-night stand unable to tolerate sunlight, sporting two new fangs, and desperate to drink blood. Horrified at her transformation, she searches Boston for her hookup, who was the last person she remembers seeing before she woke up as a vampire. Schwab delicately intertwines the three storylines, which are compelling individually even before the reader knows how they will connect. Maria, Charlotte, and Alice are queer women searching for love, recognition, and wholeness, growing fangs and defying mortality in a world that would deny them their very existence. Alice’s flashbacks to Catty are particularly moving, and subtly play off themes of grief and loneliness laid out in the historical timelines.

A beautiful meditation on queer identity against a supernatural backdrop.

Pub Date: June 10, 2025

ISBN: 9781250320520

Page Count: 544

Publisher: Tor

Review Posted Online: March 22, 2025

Kirkus Reviews Issue: April 15, 2025

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THE WEDDING PEOPLE

Uneven but fitfully amusing.

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Betrayed by her husband, a severely depressed young woman gets drawn into the over-the-top festivities at a lavish wedding.

Phoebe Stone, who teaches English literature at a St. Louis college, is plotting her own demise. Her husband, Matt, has left her for another woman, and Phoebe is taking it hard. Indeed, she's determined just where and how she will end it all: at an oceanfront hotel in Newport, where she will lie on a king-sized canopy bed and take a bottle of her cat’s painkillers. At the hotel, Phoebe meets bride-to-be Lila, a headstrong rich girl presiding over her own extravagant six-day wedding celebration. Lila thought she had booked every room in the hotel, and learning of Phoebe's suicidal intentions, she forbids this stray guest from disrupting the nuptials: “No. You definitely can’t kill yourself. This is my wedding week.” After the punchy opening, a grim flashback to the meltdown of Phoebe's marriage temporarily darkens the mood, but things pick up when spoiled Lila interrupts Phoebe's preparations and sweeps her up in the wedding juggernaut. The slide from earnest drama to broad farce is somewhat jarring, but from this point on, Espach crafts an enjoyable—if overstuffed—comedy of manners. When the original maid of honor drops out, Phoebe is persuaded, against her better judgment, to take her place. There’s some fun to be had here: The wedding party—including groom-to-be Gary, a widower, and his 11-year-old daughter—takes surfing lessons; the women in the group have a session with a Sex Woman. But it all goes on too long, and the humor can seem forced, reaching a low point when someone has sex with the vintage wedding car (you don’t want to know the details). Later, when two characters have a meet-cute in a hot tub, readers will guess exactly how the marriage plot resolves.

Uneven but fitfully amusing.

Pub Date: July 30, 2024

ISBN: 9781250899576

Page Count: 384

Publisher: Henry Holt

Review Posted Online: Sept. 13, 2024

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