This practical guide shows you how to design these types of products for users seeking to take action and achieve specific goals.Stephen Wendel, HelloWallet’s head researcher, takes you step-by-step through the process of applying behavioral economics and psychology to the practical problems of product design and development. Using a combination of lean and agile development methods, you’ll learn a simple iterative approach for identifying target users and behaviors, building the product, and gauging its effectiveness. Discover how to create easy-to-use products to help people make positive changes.Learn the three main strategies to help people change behaviorIdentify your target audience and the behaviors they seek to changeExtract user stories and identify obstacles to behavior changeDevelop effective interface designs that are enjoyable to useMeasure your product’s impact and learn ways to improve itUse practical examples from products like Nest, Fitbit, and Opower

    This comprehensive survey of microfinance seeks to bridge the gap in the existing literature on microfinance between academic economists and practitioners. Both authors have pursued the subject not only in academia but in the field; Beatriz Armendariz de Aghion founded a microfinance bank in Chiapas, Mexico, and Jonathan Morduch has done fieldwork in Bangladesh, China, and Indonesia. The authors move beyond the usual theoretical focus in the microfinance literature and draw on new developments in theories of contracts and incentives. They challenge conventional assumptions about how poor households save and build assets and how institutions can overcome market failures. The book provides an overview of microfinance by addressing a range of issues, including lessons from informal markets, savings and insurance, the role of women, the place of subsidies, impact measurement, and management incentives. and Latin America and introducing ideas about asymmetric information, principal-agent theory, and household decision making in the context of microfinance. The Economics of Microfinance can be used by students in economics, public policy, and development studies. Mathematical notation is used to clarify some arguments, but the main points can be grasped without the math. Each chapter ends with analytically challenging exercises for advanced economics students.

    Gates says, "we can work on a local, national, and global level to build the technologies, businesses, and industries to avoid the worst impacts of climate change." His interest in climate change is a natural outgrowth of the efforts by his foundation to reduce poverty and disease. Climate change, according to Gates, will have the biggest impact on the people who have done the least to cause it. As a technologist, he has seen first-hand how innovation can change the world. By investing in research, inventing new technologies, and by deploying them quickly at large scale, Gates believes climate change can be addressed in meaningful ways. According to Gates, "to prevent the worst effects of climate change, we have to get to net-zero emissions of greenhouse gases. This problem is urgent, and the debate is complex, but I believe we can come together to invent new carbon-zero technologies, deploy the ones we have, and ultimately avoid a climate catastrophe."

    This anniversary edition includes Michael Harrington’s essays on poverty in the 1970s and ’80s as well as a new introduction by Harrington’s biographer, Maurice Isserman. This illuminating, profoundly moving classic is still all too relevant for today’s America.When Michael Harrington’s masterpiece, The Other America, was first published in 1962, it was hailed as an explosive work and became a galvanizing force for the war on poverty. Harrington shed light on the lives of the poor—from farm to city—and the social forces that relegated them to their difficult situations. He was determined to make poverty in the United States visible and his observations and analyses have had a profound effect on our country, radically changing how we view the poor and the policies we employ to help them.

    must take to lead the world economy onwards

    Daring to step beyond the rhetoric of panic and despair, The Geography of Hope points to the bright light at the end of this very dark tunnel.With a mix of front-line reporting, analysis and passionate argument, Chris Turner pieces together the glimmers of optimism amid the gloom and the solutions already at work around the world, from Canada’s largest wind farm to Asia’s greenest building and Europe’s most eco-friendly communities. But The Geography of Hope goes far beyond mere technology. Turner seeks out the next generation of political, economic, social and spiritual institutions that could provide the global foundations for a sustainable future–from the green hills of northern Thailand to the parliament houses of Scandinavia, from the villages of southern India, where microcredit finance has remade the social fabric, to America’s most forward-thinking think tanks.In this compelling first-person exploration, punctuated by the wonder and angst of a writer discovering the world’s beacons of possibility, Chris Turner pieces together a dazzling map of the disparate landmarks in a geography of hope.While most of the world has been spinning in stagnant circles of recrimination and debate on the subject of climate change, paralyzed by visions of apocalypse both natural (if nothing of our way of life changes) and economic (if too much does), Denmark has simply marched off with steadfast resolve into the sustainable future, reaching the zenith of its pioneering trek on the island of Samsø. And so if there’s an encircled star on this patchwork map indicating hope’s modest capital, then it should be properly placed on this island. Perhaps, for the sake of precision, at the geographic centre of Jørgen Tranberg’s dairy farm.There are, I’m sure, any number of images called to mind by talk of ecological revolution and renewable energy and sustainable living, but I’m pretty certain they don’t generally include a hearty fiftysomething Dane in rubber boots spotted with mud and cow shit. Which is why Samsø’s transformation is not just revolutionary but inspiring, not just a huge change but a tantalizingly attainable one. And it was a change that seemed at its most workaday–near-effortless, no more remarkable than the cool October wind gusting across the island–down on Tranberg’s farm.—from The Geography of Hope

    The solution is to rein in the market, right? Radical Markets turns this thinking--and pretty much all conventional thinking about markets, both for and against--on its head. The book reveals bold new ways to organize markets for the good of everyone. It shows how the emancipatory force of genuinely open, free, and competitive markets can reawaken the dormant nineteenth-century spirit of liberal reform and lead to greater equality, prosperity, and cooperation.Eric Posner and Glen Weyl demonstrate why private property is inherently monopolistic, and how we would all be better off if private ownership were converted into a public auction for public benefit. They show how the principle of one person, one vote inhibits democracy, suggesting instead an ingenious way for voters to effectively influence the issues that matter most to them. They argue that every citizen of a host country should benefit from immigration--not just migrants and their capitalist employers. They propose leveraging antitrust laws to liberate markets from the grip of institutional investors and creating a data labor movement to force digital monopolies to compensate people for their electronic data.Only by radically expanding the scope of markets can we reduce inequality, restore robust economic growth, and resolve political conflicts. But to do that, we must replace our most sacred institutions with truly free and open competition--Radical Markets shows how.

    Written in part on stolen time, that is. Because like millions of others who work for a living, I was giving most of my prime time to my employer..." So begins Jeff Schmidt in this riveting book about the world of professional work. Schmidt demonstrates that the workplace is a battleground for the very identity of the individual, as is graduate school, where professionals are trained. He shows that professional work is inherently political, and that professionals are hired to maintain strict "ideological discipline." The hidden root of much career dissatisfaction, argues Schmidt, is the professional's lack of control over the political component of his or her creative work. Many professionals set out to make a contribution to society and add meaning to their lives. Yet our system of professional education and employment abusively inculcates an acceptance of politically subordinate roles in which professionals typically do not make a significant difference, undermining the creative potential of individuals, organizations, and even democracy. Schmidt details the battle one must fight to be an independent thinker, showing how an honest reassessment of what it means to be a professional in today's corporate society can be remarkably liberating. After reading this book, no one who works for a living will ever think the same way about his or her job.

    “Forget everything you think you know about genes, talent, and intelligence,” he writes. “In recent years, a mountain of scientific evidence has emerged suggesting a completely new paradigm: not talent scarcity, but latent talent abundance.” Integrating cutting-edge research from a wide swath of disciplines—cognitive science, genetics, biology, child development—Shenk offers a highly optimistic new view of human potential. The problem isn't our inadequate genetic assets, but our inability, so far, to tap into what we already have. IQ testing and widespread acceptance of “innate” abilities have created an unnecessarily pessimistic view of humanity—and fostered much misdirected public policy, especially in education. The truth is much more exciting. Genes are not a “blueprint” that bless some with greatness and doom most of us to mediocrity or worse. Rather our individual destinies are a product of the complex interplay between genes and outside stimuli-a dynamic that we, as people and as parents, can influence. This is a revolutionary and optimistic message. We are not prisoners of our DNA. We all have the potential for greatness.

    There is now simply no way to prevent the planet breaching the threshold of two degrees Celsius set by the Intergovernmental Panel on Climate Change. What are the likely political and economic outcomes of this? Where is the overheating world heading?To further the struggle for climate justice, we need to have some idea how the existing global order is likely to adjust to a rapidly changing environment. Climate Leviathan provides a radical way of thinking about the intensifying challenges to the global order. Drawing on a wide range of political thought, Joel Wainwright and Geoff Mann argue that rapid climate change will transform the world's political economy and the fundamental political arrangements most people take for granted. The result will be a capitalist planetary sovereignty, a terrifying eventuality that makes the construction of viable, radical alternatives truly imperative.

    Areas of discussion include the ten core requirements for democratic societies as well as alternative systems of energy, agriculture, and manufacturing. Written by a premier group of 18 thinkers from around the world and edited by best-selling authors John Cavanagh and Jerry Mander, this revised and expanded edition represents the official consensus of the living democracy movement. Delving into the most compelling alternatives to globalization thus far, it features a chart on the effects of globalization and three entirely new chapters on the global balance of power, the media, and what ordinary people can do about globalization.

    Carnism causes extensive animal suffering and global injustice, and it drives us to act against our own interests and the interests of others without fully realizing what we are doing. Becoming aware of what carnism is and how it functions is vital to personal empowerment and social transformation, as it enables us to make our food choices more freely—because without awareness, there is no free choice.

    Ad campaigns promote them as safer and greener than ordinary cars and easy to handle in bad weather. But very little about the SUV's image is accurate. They poorly protect occupants and inflict horrific damage in crashes, they guzzle gasoline and they are hard to control. Keith Bradsher has been at the forefront in reporting the calamitous safety and environmental record of SUVs, including the notorious Ford-Firestone rollover controversy. In this book he traces the checkered history of SUVs, showing how they came to be classified not as passenger cars but as light trucks, which are subject to less strict regulations on safety, gas mileage and air pollution. He makes a powerful case that these vehicles are even worse than we suspect - for their occupants, for other motorists, for pedestrians and for the planet itself. In the tradition of Unsafe at Any Speed and Fast Food Nation, Bradsher's book is a damning expose of an industry that puts us all at risk, whether we recognize it or not.