Thaler, and Cass R. Sunstein: a revelatory look at how we make decisionsNew York Times bestsellerNamed a Best Book of the Year by The Economist and the Financial Times Every day we make choices—about what to buy or eat, about financial investments or our children’s health and education, even about the causes we champion or the planet itself. Unfortunately, we often choose poorly. Nudge is about how we make these choices and how we can make better ones. Using dozens of eye-opening examples and drawing on decades of behavioral science research, Nobel Prize winner Richard H. Thaler and Harvard Law School professor Cass R. Sunstein show that no choice is ever presented to us in a neutral way, and that we are all susceptible to biases that can lead us to make bad decisions. But by knowing how people think, we can use sensible “choice architecture” to nudge people toward the best decisions for ourselves, our families, and our society, without restricting our freedom of choice.

    We will soon be able to meet and exceed the basic needs of every man, woman and child on the planet. Abundance for all is within our grasp. This bold, contrarian view, backed up by exhaustive research, introduces our near-term future, where exponentially growing technologies and three other powerful forces are conspiring to better the lives of billions. An antidote to pessimism by tech entrepreneur turned philanthropist, Peter H. Diamandis and award-winning science writer Steven Kotler. Since the dawn of humanity, a privileged few have lived in stark contrast to the hardscrabble majority. Conventional wisdom says this gap cannot be closed. But it is closing—fast. The authors document how four forces—exponential technologies, the DIY innovator, the Technophilanthropist, and the Rising Billion—are conspiring to solve our biggest problems. Abundance establishes hard targets for change and lays out a strategic roadmap for governments, industry and entrepreneurs, giving us plenty of reason for optimism.Examining human need by category—water, food, energy, healthcare, education, freedom—Diamandis and Kotler introduce dozens of innovators making great strides in each area: Larry Page, Steven Hawking, Dean Kamen, Daniel Kahneman, Elon Musk, Bill Joy, Stewart Brand, Jeff Skoll, Ray Kurzweil, Ratan Tata, Craig Venter, among many, many others.

    There are more than 5000 fintech startups operating, and 50 of them have already reached a billion-dollar valuation. The scope of this market goes way beyond online payments. Financial technology promises to change the way we manage our money online, disrupting the landscape of the financial services industry is being disrupted. Understanding its many facets is the key to navigating the complex nuances of this global industry.Fintech in a Flash is your comprehensive guide to the future of banking and insurance. The book aims to break down the key concepts in a way that will help you understand every aspect so that you can take advantage of new technologies. Inside you’ll find an array of hot topics such as online payments, crowdfunding, challenger banks, online insurance, digital lending, big data, and digital commerce. It will make you rethink the way that you manage your money online, and even find new ways of making online payments. Comprehensive, organized, and detailed, this guide is your go-to source for everything you need to confidently navigate the ever-changing scene of this booming industry.If you decide to buy this book now, you'll get: Easy to understand explanations of the 14 main areas of fintech The author's view on the future of each of these areas Insight into the main fintech hubs in the world Insight into the so called Unicorns, the fintech firms that have made it past a $1 billion valuation More than 100 upcoming fintech companies to watch About the Author: Agustín Rubini is an argentinean-born economist, master in international business, and Director at Banking Innovations. Passionate about building the future of financial services, Agustín spends much of his time speaking and writing on financial technology and advising businesses on innovation and digital transformation. He is a specialist in driving changes in top class banks that want to lead in how customers manage their money online. Tags: fintech, financial technology, financial services technology, money online, online payment, online insurance, insurtech, investing online, wealth management online, wealthtech, regtech, cybercrime, digital lending, digital commerce, ecommerce, e-commerce. Get started immediately Download now and take the first step on your very own road to mastering fintech. Scroll to the top of the page and hit the buy button.

    In Pittsburgh, a child welfare agency uses a statistical model to try to predict which children might be future victims of abuse or neglect.Since the dawn of the digital age, decision-making in finance, employment, politics, health and human services has undergone revolutionary change. Today, automated systems—rather than humans—control which neighborhoods get policed, which families attain needed resources, and who is investigated for fraud. While we all live under this new regime of data, the most invasive and punitive systems are aimed at the poor.In Automating Inequality, Virginia Eubanks systematically investigates the impacts of data mining, policy algorithms, and predictive risk models on poor and working-class people in America. The book is full of heart-wrenching and eye-opening stories, from a woman in Indiana whose benefits are literally cut off as she lays dying to a family in Pennsylvania in daily fear of losing their daughter because they fit a certain statistical profile.The U.S. has always used its most cutting-edge science and technology to contain, investigate, discipline and punish the destitute. Like the county poorhouse and scientific charity before them, digital tracking and automated decision-making hide poverty from the middle-class public and give the nation the ethical distance it needs to make inhumane choices: which families get food and which starve, who has housing and who remains homeless, and which families are broken up by the state. In the process, they weaken democracy and betray our most cherished national values.This deeply researched and passionate book could not be more timely.Naomi Klein: "This book is downright scary."Ethan Zuckerman, MIT: "Should be required reading."Dorothy Roberts, author of Killing the Black Body: "A must-read for everyone concerned about modern tools of inequality in America."Astra Taylor, author of The People's Platform: "This is the single most important book about technology you will read this year."

    In Rise of the Robots, Silicon Valley entrepreneur Martin Ford argues that this is absolutely not the case. As technology continues to accelerate and machines begin taking care of themselves, fewer people will be necessary. Artificial intelligence is already well on its way to making “good jobs” obsolete: many paralegals, journalists, office workers, and even computer programmers are poised to be replaced by robots and smart software. As progress continues, blue and white collar jobs alike will evaporate, squeezing working- and middle-class families ever further. At the same time, households are under assault from exploding costs, especially from the two major industries—education and health care—that, so far, have not been transformed by information technology. The result could well be massive unemployment and inequality as well as the implosion of the consumer economy itself.In Rise of the Robots, Ford details what machine intelligence and robotics can accomplish, and implores employers, scholars, and policy makers alike to face the implications. The past solutions to technological disruption, especially more training and education, aren't going to work, and we must decide, now, whether the future will see broad-based prosperity or catastrophic levels of inequality and economic insecurity. Rise of the Robots is essential reading for anyone who wants to understand what accelerating technology means for their own economic prospects—not to mention those of their children—as well as for society as a whole.

    Over the past few decades there has been a revolution in terms of who controls knowledge and information. This rapid change has imperiled the way we think. Without pausing to consider the cost, the world has rushed to embrace the products and services of four titanic corporations. We shop with Amazon; socialize on Facebook; turn to Apple for entertainment; and rely on Google for information. These firms sell their efficiency and purport to make the world a better place, but what they have done instead is to enable an intoxicating level of daily convenience. As these companies have expanded, marketing themselves as champions of individuality and pluralism, their algorithms have pressed us into conformity and laid waste to privacy. They have produced an unstable and narrow culture of misinformation, and put us on a path to a world without private contemplation, autonomous thought, or solitary introspection--a world without mind. In order to restore our inner lives, we must avoid being coopted by these gigantic companies, and understand the ideas that underpin their success.Elegantly tracing the intellectual history of computer science--from Descartes and the enlightenment to Alan Turing to Stuart Brand and the hippie origins of today's Silicon Valley--Foer exposes the dark underpinnings of our most idealistic dreams for technology. The corporate ambitions of Google, Facebook, Apple, and Amazon, he argues, are trampling longstanding liberal values, especially intellectual property and privacy. This is a nascent stage in the total automation and homogenization of social, political, and intellectual life. By reclaiming our private authority over how we intellectually engage with the world, we have the power to stem the tide.At stake is nothing less than who we are, and what we will become. There have been monopolists in the past but today's corporate giants have far more nefarious aims. They're monopolists who want access to every facet of our identities and influence over every corner of our decision-making. Until now few have grasped the sheer scale of the threat. Foer explains not just the looming existential crisis but the imperative of resistance.

    Meanwhile, people with important ideas--entrepreneurs, teachers, politicians, and journalists--struggle to make them "stick."In Made to Stick, Chip and Dan Heath reveal the anatomy of ideas that stick and explain ways to make ideas stickier, such as applying the human scale principle, using the Velcro Theory of Memory, and creating curiosity gaps. Along the way, we discover that sticky messages of all kinds--from the infamous "kidney theft ring" hoax to a coach's lessons on sportsmanship to a vision for a new product at Sony--draw their power from the same six traits.Made to Stick will transform the way you communicate. It's a fast-paced tour of success stories (and failures): the Nobel Prize-winning scientist who drank a glass of bacteria to prove a point about stomach ulcers; the charities who make use of the Mother Teresa Effect; the elementary-school teacher whose simulation actually prevented racial prejudice.Provocative, eye-opening, and often surprisingly funny, Made to Stick shows us the vital principles of winning ideas--and tells us how we can apply these rules to making our own messages stick.

    In this lively and groundbreaking new book, economist Ian Ayres shows how today's best and brightest organizations are analyzing massive databases at lightening speed to provide greater insights into human behavior. They are the Super Crunchers. From internet sites like Google and Amazon that know your tastes better than you do, to a physician's diagnosis and your child's education, to boardrooms and government agencies, this new breed of decision makers are calling the shots. And they are delivering staggeringly accurate results. How can a football coach evaluate a player without ever seeing him play? Want to know whether the price of an airline ticket will go up or down before you buy? How can a formula outpredict wine experts in determining the best vintages? Super crunchers have the answers. In this brave new world of equation versus expertise, Ayres shows us the benefits and risks, who loses and who wins, and how super crunching can be used to help, not manipulate us.Gone are the days of solely relying on intuition to make decisions. No businessperson, consumer, or student who wants to stay ahead of the curve should make another keystroke without reading Super Crunchers.

    Their hybrid lifestyle is the atmosphere we breathe, and in this witty and serious look at the cultural consequences of the information age, Brooks has defined a new generation.Do you believe that spending $15,000 on a media center is vulgar, but that spending $15,000 on a slate shower stall is a sign that you are at one with the Zenlike rhythms of nature? Do you work for one of those visionary software companies where people come to work wearing hiking boots and glacier glasses, as if a wall of ice were about to come sliding through the parking lot? If so, you might be a Bobo.

    It has created a new, unprecedented cultural space that we are all a part of—even if we don’t participate, that is how we participate—but by which we’re continually surprised, betrayed, enriched, befuddled. We have churned through platforms and technologies and in turn been churned by them. And yet, the internet is us and always has been.In Lurking, Joanne McNeil digs deep and identifies the primary (if sometimes contradictory) concerns of people online: searching, safety, privacy, identity, community, anonymity, and visibility. She charts what it is that brought people online and what keeps us here even as the social equations of digital life—what we’re made to trade, knowingly or otherwise, for the benefits of the internet—have shifted radically beneath us. It is a story we are accustomed to hearing as tales of entrepreneurs and visionaries and dynamic and powerful corporations, but there is a more profound, intimate story that hasn’t yet been told.Long one of the most incisive, ferociously intelligent, and widely respected cultural critics online, McNeil here establishes a singular vision of who we are now, tells the stories of how we became us, and helps us start to figure out what we do now.

    Start-Up Nation addresses the trillion dollar question: How is it that Israel -- a country of 7.1 million, only 60 years old, surrounded by enemies, in a constant state of war since its founding, with no natural resources-- produces more start-up companies than large, peaceful, and stable nations like Japan, China, India, Korea, Canada and the UK? With the savvy of foreign policy insiders, Senor and Singer examine the lessons of the country's adversity-driven culture, which flattens hierarchy and elevates informality-- all backed up by government policies focused on innovation. In a world where economies as diverse as Ireland, Singapore and Dubai have tried to re-create the "Israel effect", there are entrepreneurial lessons well worth noting. As America reboots its own economy and can-do spirit, there's never been a better time to look at this remarkable and resilient nation for some impressive, surprising clues.

    But this well-established pathway is already beginning to collapse life expectancy is rising, final-salary pensions are vanishing, and increasing numbers of people are juggling multiple careers. Whether you are 18, 45 or 60, you will need to do things very differently from previous generations and learn to structure your life in completely new ways.The 100-Year Life is here to help.Drawing on the unique pairing of their experience in psychology and economics, Lynda Gratton and Andrew Scott offer a broad-ranging analysis as well as a raft of solutions, showing how to rethink your finances, your education, your career and your relationships and create a fulfilling 100-year life. · How can you fashion a career and life path that defines you and your values and creates a shifting balance between work and leisure?· What are the most effective ways of boosting your physical and mental health over a longer and more dynamic lifespan?· How can you make the most of your intangible assets ? such as family and friends ? as you build a productive, longer life?· In a multiple-stage life how can you learn to make the transitions that will be so crucial and experiment with new ways of living, working and learning?The 100-Year Life is a wake-up call that describes what to expect and considers the choices and options that you will face. It is also fundamentally a call to action for individuals, politicians, firms and governments and offers the clearest demonstration that a 100-year life can be a wonderful and inspiring one.

    How has Google done it? Veteran technology reporter Steven Levy was granted unprecedented access to the company, and in this revelatory book he takes readers inside Google headquarters—the Googleplex—to show how Google works.While they were still students at Stanford, Google cofounders Larry Page and Sergey Brin revolutionized Internet search. They followed this brilliant innovation with another, as two of Google’s earliest employees found a way to do what no one else had: make billions of dollars from Internet advertising. With this cash cow, Google was able to expand dramatically and take on other transformative projects: more efficient data centers, open-source cell phones, free Internet video (YouTube), cloud computing, digitizing books, and much more.The key to Google’s success in all these businesses, Levy reveals, is its engineering mind-set and adoption of such Internet values as speed, openness, experimentation, and risk taking. After its unapologetically elitist approach to hiring, Google pampers its engineers—free food and dry cleaning, on-site doctors and masseuses—and gives them all the resources they need to succeed. Even today, with a workforce of more than 23,000, Larry Page signs off on every hire.But has Google lost its innovative edge? With its newest initiative, social networking, Google is chasing a successful competitor for the first time. Some employees are leaving the company for smaller, nimbler start-ups. Can the company that famously decided not to be evil still compete?No other book has ever turned Google inside out as Levy does with In the Plex.

    You can take it home, scribble in the margins, put in on the shelf, lend it to a friend, sell it at a garage sale. But is the same thing true for the ebooks or other digital goods you buy? Retailers and copyright holders argue that you don't own those purchases, you merely license them. That means your ebook vendor can delete the book from your device without warning or explanation -- as Amazon deleted Orwell's 1984 from the Kindles of surprised readers several years ago. These readers thought they owned their copies of 1984. Until, it turned out, they didn't. In The End of Ownership, Aaron Perzanowski and Jason Schultz explore how notions of ownership have shifted in the digital marketplace, and make an argument for the benefits of personal property.Of course, ebooks, cloud storage, streaming, and other digital goods offer users convenience and flexibility. But, Perzanowski and Schultz warn, consumers should be aware of the tradeoffs involving user constraints, permanence, and privacy. The rights of private property are clear, but few people manage to read their end user agreements. Perzanowski and Schultz argue that introducing aspects of private property and ownership into the digital marketplace would offer both legal and economic benefits. But, most important, it would affirm our sense of self-direction and autonomy. If we own our purchases, we are free to make whatever lawful use of them we please. Technology need not constrain our freedom; it can also empower us.

    The costs of this overwork are enormous, both personally and societally. This bracing collection of essays is both a wide-ranging analysis of the phenomenon and a blueprint for change. With contributions by such notable names as Vicki Robin, author of Your Money or Your Life, and David Korten, author of When Corporations Rule the World, this book shows what ordinary citizens can do to restore balance to themselves and their communities. Take Back Your Time is the official handbook for Take Back Your Time Day, a national event rallying support for reclaiming a proper work-life balance.