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Author: Stuart Vyse Publisher: Oxford University Press ISBN: 0198041942 Category : Psychology Languages : en Pages : 369
Book Description
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.
Author: Stuart Vyse Publisher: Oxford University Press ISBN: 0198041942 Category : Psychology Languages : en Pages : 369
Book Description
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.
Author: Joe Mathews Publisher: Univ of California Press ISBN: 0520268520 Category : History Languages : en Pages : 237
Book Description
"California Crackup is brilliant. It cuts through the familiar tangle of diagnoses and quick-fix solutions to provide a comprehensive and persuasive analysis of California's dysfunctional governmental system. Paul and Mathews have coolly laid out a complicated story, made it readable, sometimes even comedic. It is the best discussion of the issue I've seen in over three decades."--Peter Schrag, author of California: America's High-Stakes Experiment "I know of no other work that combines so succinctly and enjoyably a historical summary of California's existing problems with such a sweeping and provocative program of reform."--Ethan Rarick, University of California, Berkeley "Mark Paul and Joe Mathews have produced an indispensable guide to California's crisis of governance--and they have done so with humor, scholarship, fairness and storytelling verve. Every Californian should read this book."--Steve Coll, Pulitzer Prize-winning author of Ghost Wars "Mark Paul... has a talent for presenting California Big Think stuff in an easily accessible and always readable way...[offering] clear and creative insights on the subject of California's collapse."--CalBuzz "Joe Mathews has done an artful, fascinating, and convincing job of connecting the California of today's Schwarzenegger era to the long history that made his rise possible.--James Fallows,The Atlantic Monthly on Mathews' book, The People's Machine
Author: Stephanie Kelton Publisher: PublicAffairs ISBN: 1541736206 Category : Business & Economics Languages : en Pages : 311
Book Description
A New York Times Bestseller The leading thinker and most visible public advocate of modern monetary theory -- the freshest and most important idea about economics in decades -- delivers a radically different, bold, new understanding for how to build a just and prosperous society. Stephanie Kelton's brilliant exploration of modern monetary theory (MMT) dramatically changes our understanding of how we can best deal with crucial issues ranging from poverty and inequality to creating jobs, expanding health care coverage, climate change, and building resilient infrastructure. Any ambitious proposal, however, inevitably runs into the buzz saw of how to find the money to pay for it, rooted in myths about deficits that are hobbling us as a country. Kelton busts through the myths that prevent us from taking action: that the federal government should budget like a household, that deficits will harm the next generation, crowd out private investment, and undermine long-term growth, and that entitlements are propelling us toward a grave fiscal crisis. MMT, as Kelton shows, shifts the terrain from narrow budgetary questions to one of broader economic and social benefits. With its important new ways of understanding money, taxes, and the critical role of deficit spending, MMT redefines how to responsibly use our resources so that we can maximize our potential as a society. MMT gives us the power to imagine a new politics and a new economy and move from a narrative of scarcity to one of opportunity.
Author: Financial Crisis Inquiry Commission Publisher: Cosimo, Inc. ISBN: 1616405414 Category : Political Science Languages : en Pages : 692
Book Description
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.
Author: Will Bunch Publisher: HarperCollins ISBN: 0063077019 Category : Social Science Languages : en Pages : 359
Book Description
From Pulitzer Prize–winning journalist Will Bunch, the epic untold story of college—the great political and cultural fault line of American life Winner of the Athenaeum of Philadelphia Literary Award | Longlisted for the PEN/John Kenneth Galbraith Award for Nonfiction | "This book is simply terrific." —Heather Cox Richardson | "Ambitious and engrossing." —New York Times Book Review | "A must-read." —Nancy MacLean, author of Democracy in Chains Today there are two Americas, separate and unequal, one educated and one not. And these two tribes—the resentful “non-college” crowd and their diploma-bearing yet increasingly disillusioned adversaries—seem on the brink of a civil war. The strongest determinant of whether a voter was likely to support Donald Trump in 2016 was whether or not they attended college, and the degree of loathing they reported feeling toward the so-called “knowledge economy" of clustered, educated elites. Somewhere in the winding last half-century of the United States, the quest for a college diploma devolved from being proof of America’s commitment to learning, science, and social mobility into a kind of Hunger Games contest to the death. That quest has infuriated both the millions who got shut out and millions who got into deep debt to stay afloat. In After the Ivory Tower Falls, award-winning journalist Will Bunch embarks on a deeply reported journey to the heart of the American Dream. That journey begins in Gambier, Ohio, home to affluent, liberal Kenyon College, a tiny speck of Democratic blue amidst the vast red swath of white, post-industrial, rural midwestern America. To understand “the college question,” there is no better entry point than Gambier, where a world-class institution caters to elite students amidst a sea of economic despair. From there, Bunch traces the history of college in the U.S., from the landmark GI Bill through the culture wars of the 60’s and 70’s, which found their start on college campuses. We see how resentment of college-educated elites morphed into a rejection of knowledge itself—and how the explosion in student loan debt fueled major social movements like Occupy Wall Street. Bunch then takes a question we need to ask all over again—what, and who, is college even for?—and pushes it into the 21st century by proposing a new model that works for all Americans. The sum total is a stunning work of journalism, one that lays bare the root of our political, cultural, and economic division—and charts a path forward for America.
Author: Elizabeth Warren Publisher: Basic Books ISBN: 0465097715 Category : Social Science Languages : en Pages : 288
Book Description
From #1 New York Times bestselling author Senator Elizabeth Warren and consultant Amelia Warren Tyagi, the classic book about America's middle class -- and why economic security remains out of reach for many. In this exposé, Elizabeth Warren and Amelia Warren Tyagi show that modern middle-class families are increasingly trapped by the grinding reality of flat wages and rising costs. Warren and Tyagi reveal how a ferocious bidding war for housing and education has silently engulfed America's suburbs, driving up the cost of keeping families in the middle class, and placing unprecedented pressure on hard-working families. Revolutionary when it was first published in 2003, The Two-Income Trap remains disturbingly relevant today. Now with a new introduction by the authors, The Two Income Trap shows why the usual remedies won't solve the problem and points toward the policy changes that would create better opportunities for both parents and children.
Author: Kim Phillips-Fein Publisher: Macmillan + ORM ISBN: 0805095268 Category : History Languages : en Pages : 302
Book Description
PULITZER PRIZE FINALIST An epic, riveting history of New York City on the edge of disaster—and an anatomy of the austerity politics that continue to shape the world today When the news broke in 1975 that New York City was on the brink of fiscal collapse, few believed it was possible. How could the country’s largest metropolis fail? How could the capital of the financial world go bankrupt? Yet the city was indeed billions of dollars in the red, with no way to pay back its debts. Bankers and politicians alike seized upon the situation as evidence that social liberalism, which New York famously exemplified, was unworkable. The city had to slash services, freeze wages, and fire thousands of workers, they insisted, or financial apocalypse would ensue. In this vivid account, historian Kim Phillips-Fein tells the remarkable story of the crisis that engulfed the city. With unions and ordinary citizens refusing to accept retrenchment, the budget crunch became a struggle over the soul of New York, pitting fundamentally opposing visions of the city against each other. Drawing on never-before-used archival sources and interviews with key players in the crisis, Fear City shows how the brush with bankruptcy permanently transformed New York—and reshaped ideas about government across America. At once a sweeping history of some of the most tumultuous times in New York's past, a gripping narrative of last-minute machinations and backroom deals, and an origin story of the politics of austerity, Fear City is essential reading for anyone seeking to understand the resurgent fiscal conservatism of today.
Author: Stuart Vyse
Author: Stuart Vyse
Author: Peter Conti-Brown
Author: Sebastian Edwards
Author: Cullen Roche
Author: Joe Mathews
Author: Stephanie Kelton
Author: Financial Crisis Inquiry Commission
Author: Will Bunch
Author: Elizabeth Warren
Author: Kim Phillips-Fein