The Student Loan Scam: The Most Oppressive Debt in U.S. History and How We Can Fight Back
Alan Michael Collinge - 2009
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.
The Price of Everything: Solving the Mystery of Why We Pay What We Do
Eduardo Porter - 2011
Many of the prices we pay seem to make little sense. We shell out $2.29 for a coffee at Starbucks when a nearly identical brew can be had at the corner deli for less than a dollar. We may be less willing to give blood for $25 than to donate it for free. Americans hire cheap illegal immigrants to fix the roof or mow the lawn, and vote for politicians who promise to spend billions to keep them out of the country. And citizens of the industrialized West pay hundreds of dollars a year in taxes or cash for someone to cart away trash that would be a valuable commodity in poorer parts of the world. The Price of Everything starts with a simple premise: there is a price behind each choice that we make, whether we're deciding to have a baby, drive a car, or buy a book. We often fail to appreciate just how critical prices are as a motivating force shaping our lives. But their power becomes clear when distorted prices steer our decisions the wrong way. Eduardo Porter uncovers the true story behind the prices we pay and reveals what those prices are actually telling us. He takes us on a global economic adventure, from comparing the relative price of a vote in corrupt São Tomé and in the ostensibly uncorrupt United States, to assessing the cost of happiness in Bhutan, to deducing the dollar value we assign to human life. His unique approach helps explain: * Why polygamous societies actually place a higher value on women than monogamous ones. * Why someone may find more value in a $14 million license plate than the standard issue, $95 one. * Why some government agencies believe one year of life for a senior citizen is four times more valuable than that of a younger person. Porter weaves together the constant-and often unconscious-cost and value assessments we all make every day. While exploring the fascinating story behind the price of everything from marriage and death to mattresses and horsemeat, Porter draws unexpected connections that bridge a wide range of disciplines and cultures. The result is a cogent and insightful narrative about how the world really works.Watch a Video
Fugitive Denim: A Moving Story of People and Pants in the Borderless World of Global Trade
Rachel Louise Snyder - 2007
In Fugitive Denim journalist Rachel Louise Snyder reports from the far reaches of this multi-billion-dollar industry in search of the real people who make your clothes. From a cotton picker in Azerbaijan to a Cambodian seamstress, a denim maker in Italy to a fashion designer in New York, Snyder captures the human, environmental, and political forces at work in a dizzyingly complex and often absurd world. In a disarming and humorous voice, she ponders questions of equity, sweatshops, and corporate social responsibility through narratives of individual people, making an often academic subject accessible and compelling. Neither polemic nor prescription, Fugitive Denim captures what it means to be at work in the world in the twenty-first century.
The Age of Deleveraging
A. Gary Shilling - 2010
Shilling explains in clear language and compelling logic why the world economy will struggle for several more years and what investors can do to protect and grow their wealth in the difficult times ahead. The investment strategies that worked for last 25 years will not work in the next 10 years. Shilling advises readers to avoid broad exposure to stocks, real estate, and commodities and to focus on high-quality bonds, high-dividend stocks, and consumer staple and food stocks. Written by one of today's best forecasters of economic trends-twice voted by Institutional Investor as Wall Street's top economist Clearly explains what to invest in, what to avoid, and how to cope with a deflationary, slow-growth economy Demonstrates how Shilling has been consistently right about major economic trends since he began forecasting in the early 1980s Filled with in-depth insights and practical advice, this timely guide lays out a convincing case for why investors need to be prepared for a long period of weak growth and deflation-not inflation-and what you can do to prosper in the difficult times ahead.
Shanghai Girl
Vivian Yang - 2001
Shan Hai Gaaru". This 2011 U.S. edition features an excerpt of the author’s WNYC Leonard Lopate Essay Contest-winning new novel "Memoirs of a Eurasian". In the post-Cultural Revolution Shanghai of 1984, university senior Sha-fei Hong longs to study in the U.S. for graduate school, ostensibly to pursue the American Dream, but partly to escape her sexually-harassing Communist cadre stepfather. She meets the visiting Chinese-American businessman Gordon Lou, who has political ambitions and ties to the Chinatown underworld in the U.S. He takes Sha-fei to the American Consulate in Shanghai to look into studying in America. There, Sha-fei meets the intern Edward Cook, a young, Caucasian American lawyer who has a strong preference for all things Asian. Within a year, these three people of entirely different cultural and socio-economic backgrounds cross paths in New York. Value systems and self-interests clash. The curtain falls on a dramatic stage of ambition, sex, intrigue, and murder.
Daddy Next Door - The Complete Series Box Set
Claire Adams - 2017
So when a school in Irvine has a sudden drug problem, they bring him in. As luck would have it, he moves in across the street from Vivienne; the attraction is mutual and instant. But life throws many curveballs at them in the form of the drug issues at his school, his daughter’s illness, and Vivienne’s stalker ex. They turn to each other for comfort, and her to him for protection, but things are messy. Will they work past their problems and come together? *Daddy Next Door has no cheating and a HEA. Includes 4 bonus books.*
Chess 101: Everything a New Chess Player Needs to Know!
Dave Schloss - 2009
Endorsed by Chess.com. What chess experts are saying about Chess 101: "The moment I opened Chess 101, I knew Dave had accomplished something great: a truly simple guide to learning and enjoying the game. Many attempt this feat, but few beginner chess manuals really succeed in keeping things simple while highlighting the best parts of the game of chess!" DANIEL RENSCH International Master and Vice-President of Chess.com and ChessKid.com . . . . . . . . . . "Whether you want to know anything from setting up the board and moving the pieces, to the rules and etiquette of the game, to competing in your first tournament, you'll find it all and much more in Chess 101. Dave has given us a delightful introduction to the royal game. Enjoy and learn!" BRUCE PANDOLFINI Chess author and teacher who was portrayed by Ben Kingsley in the film Searching for Bobby Fischer . . . . . . . . . . "Chess 101 stands alone among chess books for beginners because of its clarity and organization. In Chess 101, Dave Schloss moves seamlessly from the board setup and piece description, to the moves and relative values of the pieces, to chess notation, and then on to elements of chess strategy. This work fills a void as the beginner's book of choice, for chess students grade four or older, through adult, who want authoritative information. The reader will also learn all about how to get started in chess tournaments and how to get more involved in the fascinating game of chess." MICHAEL ROHDE Grandmaster and former U.S. High School Champion, U.S. Junior Champion and U.S. Open Champion . . . . . . . . . . "It doesn't seem possible with all of the chess books available today, that a small brief beginner's guide could fill any unmet need, yet this little book is worth a beginner's attention - whether adult or child - either on one's own or in a beginner's class." GEORGIA CHESS MAGAZINE
Profiting with Iron Condor Options: Strategies from the Frontline for Trading in Up or Down Markets, Audio Enhanced Edition
Michael Benklifa - 2011
The Agrarian System of Mughal India 1556-1707
Irfan Habib - 1963
It examines areas like agricultural production and technology; trade in agricultural produce, conditions of the peasantry; zamindars; revenue grants and assignments; and the agrarian crisis of the Mughal Empire. The volume also provides information on land measurements; weights; coinages; revenue statistics; price movements; and the village community. Including a comprehensive bibliography, descriptive index, illustrations, and maps, this book is a compulsory read for students, teachers, and scholars of medieval India particularly those interested in agrarian systems.
Travels in the Land of Hunger: A backpacker's earthbound journey from the East to the West
Domenico Italo Composto-Hart - 2019
It is also a narrative of finding exotic beauty, inspiration, inner strength, and unexpected love.
Concerto
Elizabeth Darrell - 1994
The British colony of Hong Kong thinks it is immune from the chaos engulfing the rest of the world. Amid so much suffering, the talented pianist Sarah Channing, fresh from war-ravaged England, is disgusted by the shallow concerns of her father’s social set. Rod Durman, an Australian doctor trapped in a toxic marriage, wants only to advance his career and help his patients, whoever they may be. Alex Tennant is a notorious playboy, happy to fritter away his youth in the pursuit of pleasure ... until he meets the passionate and principled Sarah Channing. All three lives become irreversibly intertwined. But when the Japanese army takes Hong Kong by surprise all personal happiness must be put aside in order to survive. Elizabeth Darrell’s richly evocative tale of love and the realities of war sweeps from the fall of Hong Kong to the London Blitz and the D-Day landings. What kind of love can survive the chaos and anguish of war? Praise for Elizabeth Darrell: ‘A wonderful story, compellingly told...the authenticity - both emotional and historical - really shines through’ - Sarah Harrison Elizabeth Darrell is the penname of Emma Drummond, born in 1931. Her father was a member of the British Army stationed in Hong Kong, where Drummond spent the early years of her life. As well as writing books, she worked in the Women’s Royal Army Corps. Endeavour Press is the UK's leading independent publisher of digital books.
How to Move to Canada: A Discontented American's Guide to Canadian Relocation
André Du Broc - 2016
If you or someone you know is discontented, distressed, or downright disturbed, maybe the Great White North is right for you, eh. But how much do you really know about Canada? Can you do a job that Canada needs (do you play hockey, drill for oil, or make poutine?)? Can you identify the best Canadian province for your lifestyle (lots of tundra or just some tundra?)? Can you master the proper pronunciation of "sorry"? What strange wizardry is the Canadian government? Is maple syrup acceptable substitution for currency? At long last, How to Move to Canada can help make your vague threat into a cold Canadian reality. This book is also full of activities such as: Color the flag of your new homeland Match the strange Canuck dialect with their local definitions And more! PLEASE NOTE: This is a humor book. It won't really help you emigrate. Rather, it's a subversive mix of real information on the Great White North plus a hilarious look at all the reasons why you won't like it there any better — and why they probably won't have you anyway.
Growing Pains: the future of democracy (and work)
Gwynne Dyer - 2018
But how did this come about? And what does it mean for the future?Populism and ultra-nationalism brought about the rise of Hitler and Mussolini in the 1930s. Now, as Trump sits in the White House, Britain negotiates its way out of the EU, and countries across Europe see substantial gains in support for the extreme Right, award-winning journalist, author, and historian Gwynne Dyer asks how we got here, and where we go next. Dyer examines the global challenges facing us all today and explains how they have contributed to a world of inequality, poverty, and joblessness, conditions which he argues inevitably lead to the rise of populism. The greatest threat to social and political stability lies in the rise of automation, which will continue to eliminate jobs, whether politicians admit that it is happening or not. To avoid a social and political catastrophe, we will have to find ways of putting real money into the pockets of those who have no work. But this is not a book without hope. Our capacity for overcoming the worst has been tested again and again throughout history, and we have always survived. To do so now, Dyer argues, we must embrace radical solutions to the real difficulties facing individuals, or find ourselves back in the 1930s with no way out.
How the Poor Can Save Capitalism: Rebuilding the Path to the Middle Class
John Hope Bryant - 2014
I urge everyone to read How the Poor Can Save Capitalism and discover for themselves John’s great ideas for creating an America with more shared opportunity and shared responsibility.” —Former US President Bill Clinton"John and I want the same things. And the goals of this book are the same goals of my Rebuild The Dream campaign. He has provided the roadmap to economic recovery for this country at a time when economic inequality is at its peak. I for one will be following the steps laid out in the HOPE plan." —Van Jones, Former Advisor to President Obama and host of CNN's CrossfireHow the Poor Can Save Capitalism reveals Operation HOPE founder and successful businessman John Hope Bryant’s strategy for restoring the American middle class and eradicating poverty. “For capitalism to thrive, the poor and middle class must thrive,” Bryant writes. “We must make financial literacy – teaching each and every one of our children the language of money – the new civil rights issue for the twenty-first century America.” According to Bryant, capitalism isn’t to blame for a struggling economy; we’re just doing it wrong. Important statistics Bryant shares in the book: • 76% of Americans are living from paycheck to paycheck, while 60% of American GDP is consumer-driven. • 1 in 4 of the Americans who qualify for the Earned Income Tax Credit never ask for it – that’s $9 to $10 billion in unclaimed funds that could be put towards mortgages, car payments, education, etc.• 47% of U.S. employers require a credit report as part of the hiring process.In the book, Bryant exposes the historical roots of poverty, explains why the solutions tried so far have proved insufficient, and offers a way forward. He lays out what he calls a Marshall Plan for our times, a series of straightforward, actionable steps to build financial literacy and expand opportunity so that the poor can join the middle class.Praised by Dr. Bernice A. King of the King Center as “a practical idealist who dreams big and then moves with precision to action,” John Hope Bryant aspires to create a thriving economy that works not just for the 1% or even the 99%, but for the 100%.
Singapore, Incomplete: Reflections on a First World Nation's Arrested Political Development
Cherian George - 2017
Singapore, Incomplete is a collection of personal reflections about the country’s underdeveloped political culture and structure. “Ours is a middle-aged country with a maturing economy—but a political system that treats us like children,” he argues. George calls for more open “rules of engagement” that will protect and celebrate a diversity of ideas and beliefs. He critiques Singapore’s culture of fear, the lack of political transparency, and governmental groupthink. This is his first book for a general audience since Singapore: The Air-Conditioned Nation (2000).