He planned to land a solid job after college, repay his student loan debt, and then simply forget the loans ever existed. Like millions of Americans, however, in spite of working hard, Collinge fell behind on payments and entered a labyrinthine student loan nightmare.High school graduates can no longer put themselves through college for a few thousand dollars in loan debt. Today, the average undergraduate borrower leaves school with more than $20,000 in student loans, and for graduate students the average is a whopping $42,000. For the past twenty years, college tuition has increased at more than double the rate of inflation, with the cost largely shifting to student debt. The Student Loan Scam is an exposé of the predatory nature of the $85-billion student loan industry. In this in-depth exploration, Collinge argues that student loans have become the most profitable, uncompetitive, and oppressive type of debt in American history. This has occurred in large part due to federal legislation passed since the mid-1990s that removed standard consumer protections from student loans-and allowed for massive penalties and draconian wealth-extraction mechanisms to collect this inflated debt.Collinge covers the history of student loans, the rise of Sallie Mae, and how universities have profited at the expense of students. The book includes candid and compelling stories from people across the country about how both nonprofit and for-profit student loan companies, aided by poor legislation, have shattered their lives-and livelihoods. With nearly 5 million defaulted loans, this crisis is growing to epic proportions. The Student Loan Scam takes an unflinching look at this unprecedented and pressing problem, while exposing the powerful organizations and individuals who caused it to happen. Ultimately, Collinge argues for the return of standard consumer protections for student loans, among other pragmatic solutions, in this clarion call for social action.

    Bill Broeksmit had helped build the 150-year-old financial institution into a global colossus, and his sudden death was a mystery, made more so by the bank’s efforts to deter investigation. Broeksmit, it turned out, was a man who knew too much.In Dark Towers, award-winning journalist David Enrich reveals the truth about Deutsche Bank and its epic path of devastation. Tracing the bank’s history back to its propping up of a default-prone American developer in the 1880s, helping the Nazis build Auschwitz, and wooing Eastern Bloc authoritarians, he shows how in the 1990s, via a succession of hard-charging executives, Deutsche made a fateful decision to pursue Wall Street riches, often at the expense of ethics and the law.Soon, the bank was manipulating markets, violating international sanctions to aid terrorist regimes, scamming investors, defrauding regulators, and laundering money for Russian oligarchs. Ever desperate for an American foothold, Deutsche also started doing business with a self-promoting real estate magnate nearly every other bank in the world deemed too dangerous to touch: Donald Trump. Over the next twenty years, Deutsche executives loaned billions to Trump, the Kushner family, and an array of scandal-tarred clients, including convicted sex offender Jeffrey Epstein.Dark Towers is the never-before-told saga of how Deutsche Bank became the global face of financial recklessness and criminality—the corporate equivalent of a weapon of mass destruction. It is also the story of a man who was consumed by fear of what he’d seen at the bank—and his son’s obsessive search for the secrets he kept.

    Newman's message is clear and timely." --The Philadelphia InquirerIn No Shame in My Game, Harvard anthropologist Katherine Newman gives voice to a population for whom work, family, and self-esteem are top priorities despite all the factors that make earning a living next to impossible--minimum wage, lack of child care and health care, and a desperate shortage of even low-paying jobs. By intimately following the lives of nearly 300 inner-city workers and job seekers for two yearsin Harlem, Newman explores a side of poverty often ignored by media and politicians--the working poor.The working poor find dignity in earning a paycheck and shunning the welfare system, arguing that even low-paying jobs give order to their lives. No Shame in My Game gives voice to a misrepresented segment of today's society, and is sure to spark dialogue over the issues surrounding poverty, working and welfare.

    It has so altered the way cities look, feel, cost, and even smell to such an extent that it’s hard to imagine that it could ever have been otherwise.   Over the last few years, journalists, policy­makers, critics, and historians have all tried to ex­plain just what it is that happens when new money and new residents flow in, yet we’ve had very little access to the human side of this phenomenon.  Up and Coming captures the stories of the many kinds of people—brokers, buyers, sellers, renters, landlords, artists, contractors, politicians and everyone in between—who are being shaped by—and are shaping—the new New York City. In this extraordinary oral history, DW Gibson takes gentrification out of the op-ed columns and the textbooks and brings it to life. Gibson explains— in the voices of the people living through it—what urban change really looks and feels like.   In the plainspoken, casually authoritative tradition of Jane Jacobs and Studs Terkel, Up and Coming is an inviting and essential portrait of the way we live now.

    In this compact guide, Rick Steves covers the best of Madrid and Toledo, including tips on arrival, orientation, and transportation. In Madrid, visit the masterpieces of the Prado Museum, and explore the Royal Palace. Or visit Toledo's vast Cathedral or Alcázar. You'll get Rick's firsthand advice on the best sights, eating, sleeping, and nightlife, and the maps and self-guided tours will ensure you make the most of your experience. More than just reviews and directions, a Rick Steves Snapshot guide is a tour guide in your pocket.Rick Steves Snapshot guides consist of excerpted chapters from Rick Steves European country guidebooks. Snapshot guides are a great choice for travelers visiting a specific city or region, rather than multiple European destinations. These slim guides offer all of Rick's up-to-date advice on what sights are worth your time and money. They include good-value hotel and restaurant recommendations, with no introductory information (such as overall trip planning, when to go, and travel practicalities).

    An accessible look at how the government promoted the housing bubble that it is now using for its own ends.

    These transitional spaces are where the next great economic and cultural boom will be born, or where the great explosion of violence will occur. The difference depends on our ability to notice.The twenty-first century is going to be remembered for the great, and final, shift of human populations out of rural, agricultural life into cities. The movement engages an unprecedented number of people, perhaps a third of the world's population, and will affect almost everyone in tangible ways. The last human movement of this size and scope, and the changes it will bring to family life, from large agrarian families to small urban ones, will put an end to the major theme of human history: continuous population growth.Arrival City offers a detailed tour of the key places of the "final migration" and explores the possibilities and pitfalls inherent in the developing new world order. From villages in China, India, Bangladesh and Poland to the international cities of the world, Doug Saunders portrays a diverse group of people as they struggle to make the transition, and in telling the story of their journeys — and the history of their often multi-generational families enmeshed in the struggle of transition — gives an often surprising sense of what factors aid in the creation of a stable, productive community.

    Two years before the housing market collapsed in 2008, Donald Trump looked forward to a crash: “I sort of hope that happens because then people like me would go in and buy,” he said. But our future president wasn’t alone. While millions of Americans suffered financial loss, tycoons pounced to heartlessly seize thousands of homes—their profiteering made even easier because, as prize-winning investigative reporter Aaron Glantz reveals in Homewreckers, they often used taxpayer money—and the Obama administration’s promise to cover their losses.In Homewreckers, Glantz recounts the transformation of straightforward lending into a morass of slivered and combined mortgage “products” that could be bought and sold, accompanied by a shift in priorities and a loosening of regulations and laws that made it good business to lend money to those who wouldn’t be able to repay. Among the men who laughed their way to the bank: Trump cabinet members Steve Mnuchin and Wilbur Ross, Trump pal and confidant Tom Barrack, and billionaire Republican cash cow Steve Schwarzman. Homewreckers also brilliantly weaves together the stories of those most ravaged by the housing crisis. The result is an eye-opening expose of the greed that decimated millions and enriched a gluttonous few.

    Like other European cities, it was still emerging from its medieval past. But in a mere century Paris would be transformed into the modern and mythic city we know today.Though most people associate the signature characteristics of Paris with the public works of the nineteenth century, Joan DeJean demonstrates that the Parisian model for urban space was in fact invented two centuries earlier, when the first complete design for the French capital was drawn up and implemented. As a result, Paris saw many changes. It became the first city to tear down its fortifications, inviting people in rather than keeping them out. Parisian urban planning showcased new kinds of streets, including the original boulevard, as well as public parks and the earliest sidewalks and bridges without houses. Venues opened for urban entertainment of all kinds, from opera and ballet to a pastime invented in Paris, recreational shopping. Parisians enjoyed the earliest public transportation and street lighting, and Paris became Europe's first great walking city.A century of planned development made Paris both beautiful and exciting. It gave people reasons to be out in public as never before and as nowhere else. And it gave Paris its modern identity as a place that people dreamed of seeing. By 1700, Paris had become the capital that would revolutionize our conception of the city and of urban life.

    Based on exhaustive research and interviews with driving experts and traffic officials around the globe, Traffic gets under the hood of the everyday activity of driving to uncover the surprisingly complex web of physical, psychological, and technical factors that explain how traffic works, why we drive the way we do, and what our driving says about us. Vanderbilt examines the perceptual limits and cognitive underpinnings that make us worse drivers than we think we are. He demonstrates why plans to protect pedestrians from cars often lead to more accidents. He shows how roundabouts, which can feel dangerous and chaotic, actually make roads safer and reduce traffic in the bargain. He uncovers who is more likely to honk at whom, and why. He explains why traffic jams form, outlines the unintended consequences of our quest for safety, and even identifies the most common mistake drivers make in parking lots. The car has long been a central part of American life; whether we see it as a symbol of freedom or a symptom of sprawl, we define ourselves by what and how we drive. As Vanderbilt shows, driving is a provocatively revealing prism for examining how our minds work and the ways in which we interact with one another. Ultimately, Traffic is about more than driving: it s about human nature. This book will change the way we see ourselves and the world around us. And who knows? It may even make us better drivers."

    But for the people whose homes and districts were bulldozed, the urban renewal projects that swept America starting in 1949 were nothing short of assault. Vibrant city blocks—places rich in history—were reduced to garbage-strewn vacant lots. When a neighborhood is destroyed its inhabitants suffer “root shock”: a traumatic stress reaction related to the destruction of one’s emotional ecosystem. The ripple effects of root shock have an impact on entire communities that can last for decades. In this groundbreaking and ultimately hopeful book, Dr. Mindy Fullilove examines root shock through the story of urban renewal and its effect on the African American community. Between 1949 and 1973 this federal program, spearheaded by business and real estate interests, destroyed 1,600 African American neighborhoods in cities across the United States. But urban renewal didn’t just disrupt the black community. The anger it caused led to riots that sent whites fleeing for the suburbs, stripping them of their own sense of place. And it left big gashes in the centers of U.S. cities that are only now slowly being repaired. Focusing on three very different urban settings—the Hill District of Pittsburgh, the Central Ward in Newark, and the small Virginia city of Roanoke—Dr. Fullilove argues powerfully that the twenty-first century will be one of displacement and of continual demolition and reconstruction. Acknowledging the damage caused by root shock is crucial to coping with its human toll and building a road to recovery.Astonishing in its revelations, unsparing in its conclusions, Root Shock should be read by anyone who cares about the quality of life in American cities—and the dignity of those who reside there.From the Hardcover edition.

    Now, in Favela, Perlman carries that story forward to the present. Re-interviewing many longtime favela residents whom she hadfirst met in 1969--as well as their children and grandchildren--Perlman offers the only long-term perspective available on the favelados as they struggle for a better life.Perlman discovers that while educational levels have risen, democracy has replaced dictatorship, and material conditions have improved, many residents feel more marginalized than ever. The greatest change is the explosion of drug and arms trade and the high incidence of fatal violence that hasresulted. Yet the greatest challenge of all is job creation--decent work for decent pay. If unemployment and under-paid employment are not addressed, she argues, all other efforts will fail to resolve the fundamental issues. Foreign Affairs praises Perlman for writing with compassion, artistry, and intelligence, using stirring personal stories to illustrate larger points substantiated with statistical analysis.

    The Greeks wanted to turn their country into a pinata stuffed with cash and allow as many citizens as possible to take a whack at it. The Germans wanted to be even more German; the Irish wanted to stop being Irish.Michael Lewis's investigation of bubbles beyond our shores is so brilliantly, sadly hilarious that it leads the American reader to a comfortable complacency: oh, those foolish foreigners. But when he turns a merciless eye on California and Washington, DC, we see that the narrative is a trap baited with humor, and we understand the reckoning that awaits the greatest and greediest of debtor nations.

    But street addresses were not invented to help you find your way; they were created to find you. In many parts of the world, your address can reveal your race and class.In this wide-ranging and remarkable book, Deirdre Mask looks at the fate of streets named after Martin Luther King Jr., the wayfinding means of ancient Romans, and how Nazis haunt the streets of modern Germany. The flipside of having an address is not having one, and we also see what that means for millions of people today, including those who live in the slums of Kolkata and on the streets of London. Filled with fascinating people and histories, The Address Book illuminates the complex and sometimes hidden stories behind street names and their power to name, to hide, to decide who counts, who doesn’t―and why.

    If you’re curious about how the economy functions and don’t know where to start, Economics will guide you through the essentials, laying out the basic concepts and issues in the field of economics, from business cycles and free markets to social security and healthcare reform, and more. Packed with eye-opening information, key concepts, and need-to-know terms, this easy-to-read primer lets you explore economics at your own pace. Get a straightforward overview of the economy that’s stripped of overwhelming jargon, so you can gain a deeper understanding of economics as it applies to everyday life. You’ll review important background on differing economic schools of thought—from influential theories to the main thinkers driving them—so you can develop your own conclusions. Economics features: An overview of markets and how they operate A review of broad themes—like taxes, inequality, and jobs—as they apply to everyday life Explorations of business cycles covering what happens during a recession Useful timelines and real-world stories that help you travel the world of economics