To build and manage your wealth, you must look at your situation holistically: build your character, standards, dreams, goals, and personal aspirations from the inside out. By developing both self-sufficiency and a connection with your community, it is possible to create wealth for yourself no matter who you are, what you do, or where you come from.

    With anti-immigrant sentiment rising around the country, and presidential elections on the horizon, it’s no surprise immigration reform is on every candidate’s agenda. While some candidates offer viable solutions, others perpetuate negative stereotypes and unpractical resolve. Ramos fearlessly questions political tactics, and has undoubtedly become the voice of the Latino vote in the US. It is now more important than ever to remember the role immigrants play in enriching our economy and culture, and to find a way to incorporate the millions of productive, law-abiding workers who have been drawn to the United States by the inexorable pull of freedom and economic opportunity.  In this timely book, award-winning journalist Jorge Ramos makes the case for a practical and politically achievable solution to this poignant issue. Ramos argues that we have a simple choice: to take a pragmatic approach that deals with the reality of immigration, or to continue a cruel and capricious system that doesn’t work, wastes billions of dollars, and which stands in direct opposition to our national principles.

    The debate has been mostly marked by mud-slinging and name-calling and the debates that have ensued often have no basis in fact. While most people have a hazy notion of black money, only a few are able to unpack the concept to reveal its various shades.In this e-single, which is part of a larger, ongoing work, Prof. R. Vaidyanathan provides the reader with a brief overview of black money—its generation, its estimates and how and why it is spirited away to tax havens. This is a unique, timely work that packs in much information and offers a 360-degree view of the issue.Prof. R. Vaidyanathan recently retired from IIM, Bangalore as Professor of Finance. He is now Cho S Ramaswamy Visiting Professor of Public Policy at Sastra University, Thanjavur.

    Timothy Black spent years with the brothers and their parents, wives and girlfriends, extended family, coworkers, criminal partners, friends, teachers, lawyers, and case workers. He closely observed street life in Springfield, including the drug trade; schools and GED programs; courtrooms, prisons, and drug treatment programs; and the young men’s struggle for employment both on and off the books. The brothers, articulate and determined, speak for themselves, providing powerful testimony to the exigencies of life lived on the social and economic margins. The result is a singularly detailed and empathetic portrait of men who are often regarded with fear or simply rendered invisible by society.With profound lessons regarding the intersection of social forces and individual choices, Black succeeds in putting a human face on some of the most important public policy issues of our time.

    They were helpless. It sounds like a familiar story, but these people were not African. They were Irish, and they were slaves before African slavery became widespread. This is their story.

    It also shows some insight into the problems of immigrants and racial issues in the United Kingdom through the eyes of Ifemelu’s first boyfriend, Obinze. The book also deals with the economic problems in Nigeria due to corruption and the lack of will of the government and the wealthy people to bring about change. Ifemelu is a Nigerian girl who gets tired of the constant strikes in her university and goes abroad to complete her education. Her experiences in both Nigeria and the United States form the basis of the book.   A Brief Look Inside: EVERY GOOD BOOK CONTAINS A WORLD FAR DEEPER than the surface of its pages. The characters and their world come alive, and the characters and its world still live on. Conversation Starters is peppered with questions designed to bring us beneath the surface of the page and invite us into the world that lives on. These questions can be used to.. Create Hours of Conversation: • Foster a deeper understanding of the book • Promote an atmosphere of discussion for groups • Assist in the study of the book, either individually or corporately • Explore unseen realms of the book as never seen before Disclaimer: This book you are about to enjoy is an independent resource to supplement the original book, enhancing your experience. If you have not yet purchased a copy of the original book, please do before purchasing this unofficial Conversation Starters. Download your copy today for a Limited Time Discount: $3.99 ($4.99) Read it on your PC, Mac, iOS or Android smartphone, tablet and Kindle devices.

    It includes tales of living through a lifetime of dysfunction, violence and terror at the hands of both her father and other nefarious individuals who would seek to perpetuate the cycle. More importantly though, it is also a story of how they did not succeed in this hateful quest, as Jvonne struggled on and through to the other side to embrace love, laughter and the pursuit of personal happiness. Part of this amazing transformation even led to her adoption of a biracial infant, an event that served both as a healing elixir to her soul and a grandiose “!#%& you” to all the ugliness that hate brings.

    Many of these adoptive citizens have prospered, including General Colin Powell. But Mary Waters tells a very different story about immigrants from the West Indies, especially their children.She finds that when the immigrants first arrive, their knowledge of English, their skills and contacts, their self-respect, and their optimistic assessment of American race relations facilitate their integration into the American economic structure. Over time, however, the realities of American race relations begin to swamp their positive cultural values. Persistent, blatant racial discrimination soon undermines the openness to whites the immigrants have when they first arrive. Discrimination in housing channels them into neighborhoods with inadequate city services and high crime rates. Inferior public schools undermine their hopes for their children's future. Low wages and poor working conditions are no longer attractive for their children, who use American and not Caribbean standards to measure success.Ultimately, the values that gained these first-generation immigrants initial success--a willingness to work hard, a lack of attention to racism, a desire for education, an incentive to save--are undermined by the realities of life in the United States. In many families, the hard-won relative success of the parents is followed by the downward slide of their children. Contrary to long-held beliefs, Waters finds, those who resist Americanization are most likely to succeed economically, especially in the second generation.

    As they see matters, wealth in the form of means of production and wealth in the form of consumers’ goods are essentially indistinguishable. For all practical purposes, they have no awareness of the existence of capital and of its importance. Thus, capitalists are generally depicted as fat men, whose girth allegedly signifies an excessive consumption of food and of wealth in general, while their alleged victims, the wage earners, are typically depicted as substantially underweight, allegedly signifying their inability to consume, thanks to the allegedly starvation wages paid by the capitalists.The truth is that in a capitalist economic system, the wealth of the capitalists is not only overwhelmingly in the form of means of production, such as factory buildings, machinery, farms, mines, stores, warehouses, and means of transportation and communication, but all of this wealth is employed in producing for the market, where its benefit is made available to everyone in the economic system who is able to afford to buy its products.Consider. Whoever can afford to buy an automobile benefits from the existence of the automobile factory and its equipment where that car was made. He also benefits from the existence of all the other automobile factories, whose existence and competition served to reduce the price he had to pay for his automobile. He benefits from the existence of the steel mill that provided the steel for his car, and from the iron mine that provided the iron ore needed for the production of that steel, and, of course, from the existence of all the other steel mills and iron mines whose existence and competition served to hold down the prices of the steel and iron ore that contributed to the production of his car.And, thanks to the great magnitude of wealth employed as capital, the demand for labor, of which capital is the foundation, is great enough and thus wages are high enough that virtually everyone is able to afford to a substantial degree most of the products of the economic system. For the capital of the capitalists is the foundation both of the supply of products that everyone buys and of the demand for the labor that all wage earners sell. More capital—a greater amount of wealth in the possession of the capitalists—means a both a larger and better supply of products for wage earners to buy and a greater demand for the labor that wage earners sell. Everyone, wage earners and capitalists alike, benefits from the wealth of the capitalists, because, as I say, that wealth is the foundation of the supply of the products that everyone buys and of the demand for the labor that all wage earners sell. More capital in the hands of the capitalists always means a more abundant, better quality of goods and services offered for sale and a larger demand for labor. The further effect is lower prices and higher wages, and thus a higher standard of living for wage earners.Furthermore, the combination of the profit motive and competition operates continually to improve the products offered in the market and the efficiency with which they are produced, thus steadily further improving the standard of living of everyone.In the alleged conflict between the so-called 99 percent and the so-called 1 percent, the program of the 99 percent is to seize as far as possible the wealth of the 1 percent and consume it. To the extent that it is enacted, the effect of this program can only be to impoverish everyone, and the 99 percent to a far greater extent than the 1 percent. To the extent that the 1 percent loses its mansions, luxury cars, and champagne and caviar, 99 times as many people lose their houses, run-of-the mill cars, and steak and hamburger.

    But today, it divides Americans more stridently than ever, due to a chronic failure of national leadership by both parties. Here at last is an attainable resolution guided by two core principles: first, immigration is vital to America’s future; second, any enduring resolution must adhere to the rule of law. Unfortunately, current laws are so cumbersome and irrational that millions have circumvented them and entered the United States illegally, taxing our system to the breaking point. Jeb Bush and Clint Bolick contend there are other unique factors currently at play: America’s future population expansion will come solely from immigrants. And for the first time, the U.S. must compete with other countries for immigrant workers and their skills. In the first book to offer a practical, nonpartisan approach, Bush and Bolick propose a compelling six-point strategy for reworking our policies that begins with erasing all existing, outdated immigration structures and starting over. From there, Immigration Wars details their plan for advancing the national goals that immigration policy is supposed to achieve: build a demand-driven immigration system; increase states’ autonomy based on varying needs; reduce the significant physical risks and financial costs imposed by illegal immigration; unite Mexico and America in their common war against drug cartels; and educate aspiring citizens in our nation’s founding principles and why they still matter. Here too is a viable variation of the DREAM Act as a legal status for children brought here illegally, and sound strategies for the Republican Party to revitalize their ever-decreasing core constituency. With Immigration Wars as a beacon of hope, Americans can finally solidify a national identity that is based on a set of ideals enriched and reinvigorated by immigrants, most of whom fervently embrace our core values—family, faith, hard work, education, and patriotism.

     Separating fact from myth in today’s heated immigration debate, a member of the Wall Street Journal editorial board contends that foreign workers play a vital role in keeping America prosperous; that maintaining an open-border policy is consistent with free-market economic principals; and that the arguments put forward by opponents of immigration ultimately don’t hold up to scrutiny. In the course of his fourteen years at the Journal, Riley has covered immigration’s impact on our economy, our culture and our politics. He is an outspoken advocate of free and flexible labor markets, and in this timely book he argues that our open-immigration policy goes a long way toward explaining the difference between robust economic growth in the United States and stagnation in places like Europe. In lucid, jargon-free prose, Riley takes on the most common anti-immigrant complaints, including claims that today’s immigrants overpopulate the United States, steal jobs, depress wages, don’t assimilate, and pose an undue threat to homeland security. As the 2008 presidential election approaches with immigration reform on the front burner, Let Them In is essential reading for liberals and conservatives alike who want to bring an informed perspective to the discussion.

    Old paradigms are being eclipsed by global forces of privatization and markets and new articulations of race, class, and urban space. These factors and more set the stage for Pauline Lipman's insightful analysis of the relationship between education policy and the neoliberal economic, political, and ideological processes that are reshaping cities in the United States and around the globe.Using Chicago as a case study of the interconnectedness of neoliberal urban policies on housing, economic development, race, and education, Lipman explores larger implications for equity, justice, and "the right to the city". She draws on scholarship in critical geography, urban sociology and anthropology, education policy, and critical analyses of race. Her synthesis of these lenses gives added weight to her critical appraisal and hope for the future, offering a significant contribution to current arguments about urban schooling and how we think about relations between neoliberal education reforms and the transformation of cities. By examining the cultural politics of why and how these relationships resonate with people's lived experience, Lipman pushes the analysis one step further toward a new educational and social paradigm rooted in radical political and economic democracy.

    With a focus on US policy, she probes how people, especially Mexican and Central Americans, have been assigned this status—and to what ends. Blending history with human drama, Chomsky explores what it means to be undocumented in a legal, social, economic, and historical context. The result is a powerful testament of the complex, contradictory, and ever-shifting nature of status in America.

    It is important for every person to save for one’s retirement as one can expect to live for twenty years after one retires as life expectancy of an Indian is going up steadily due to lower infant mortality and better medical care. There is a complete absence of social security safety net for most Indians today, even for those working in Government sector, there is no inflation adjusted pension available anymore. I have tried to simplify the advantages and disadvantages involved in investing your savings in various asset classes. I have deliberately left out two of the most popular forms of investment among middle class Indians 1) Life insurance 2) Real estate Let us consider life insurance first most of us confuse insurance as an instrument of savings, it is not. We have this wrong view because of the tax breaks given to income tax assesses by the Central Government. Insurance is a product that mitigates risk and is sold by the rich to the middle class and is always skewed in the favour of the insurer rather than the insured. A substantial portion of the total money invested by you goes towards paying agent’s commission and premium for insuring you for the risk of mortality. The balance left out is invested in government securities and other securities. Hence the amount of money invested out of the total premium paid is less than half paid by the insurer. The return on money invested by the policy holder is less than half of the money he would have earned either in bonds or fixed deposits. A person who needs insurance is a person whose family will need support in the event of his untimely death. Alternately insurance is required for a person who has debt in form of mortgage and does not want to burden his family in the event of his passing. The product which covers these risks is called term insurance. One should not buy insurance to avoid taxes as there is better tax saving tools available. Real estate is also considered as a good investment by several retail investors but nothing can be further from the truth. Nobody makes money by buying plots in the middle of nowhere. The easy availability of mortgages from the nineties and the tax breaks given by the Central Government on housing loans has created an unparalleled boom in the residential market. There is now a painful correction process under way in that sector. The price of land is reflexively connected to availability of money. The lower the cost of money, greater the returns in real estate. Buying plots in the middle of nowhere is similar to buying lottery tickets as investment. Land cannot be liquidated immediately into cash at a short notice to meet urgent requirements. Cost of maintenance and protection of real estate from illegal occupation is prohibitive and time consuming. Verification of title deeds to the property is a complex process and needs sound legal advice. You should have a house to live and another to collect rent as rent is equivalent of inflation adjusted pension. The return on investment generated in the three different asset classes over 25 years would be in the following order 1) Equities 2) Gold and finally 3) Debt instruments. I enjoyed writing this book as a companion volume to my first book. It is my fond hope that you enjoy reading this book.

    Economics, finance, business & management