Wall Street lost more than 49% of the typical investor's money—twice—since the year 2000. And studies show that because they followed the conventional wisdom, almost half of all Boomers won't have enough money to cover even basic living expenses during their retirement years. Now the financial gurus whose advice got you into this mess in the first place are telling you to "take more risk," "work till you drop," and "plan on spending less in retirement." Don't let them fool you again!In The Bank On Yourself Revolution, financial security expert Pamela Yellen details how hundreds of thousands of people of all ages and incomes have bucked the system to secure their families' financial futures without gambling in the Wall Street Casino or taking any unnecessary risks. You'll discover a proven step-by-step plan for growing your wealth safely, predictably, and guaranteed every single year—even when the markets are tumbling. And you'll learn how to bypass banks, credit card and financing companies to become your own source of financing for cars, vacations, a college education, business expenses and other major purchases.The Bank On Yourself Revolution isn't a "get-rich-quick" scheme; it's about having real wealth and financial security for as long as you live. You can finally know how much money you'll have next year, in 10, 20 or 30 years—and at every point along the way. Join the Revolution and take control of your own financial future!

    It has failed to predict, let alone prevent, financial crises that have shaken the foundations of our societies. Its outdated theories have permitted a world in which extreme poverty persists while the wealth of the super-rich grows year on year. And its blind spots have led to policies that are degrading the living world on a scale that threatens all of our futures.Can it be fixed? In Doughnut Economics, Oxford academic Kate Raworth identifies seven critical ways in which mainstream economics has led us astray, and sets out a roadmap for bringing humanity into a sweet spot that meets the needs of all within the means of the planet. En route, she deconstructs the character of ‘rational economic man’ and explains what really makes us tick. She reveals how an obsession with equilibrium has left economists helpless when facing the boom and bust of the real-world economy. She highlights the dangers of ignoring the role of energy and nature’s resources – and the far-reaching implications for economic growth when we take them into account. And in the process, she creates a new, cutting-edge economic model that is fit for the 21st century – one in which a doughnut-shaped compass points the way to human progress.Ambitious, radical and rigorously argued, Doughnut Economics promises to reframe and redraw the future of economics for a new generation.

    With no option but to build a self-sufficient economy with very limited energy supplies, this community set about creating a simpler way of life that could flourish into the deep future. Determined above all else to transcend the materialistic values of the Old World, they made a commitment to live materially simple lives, convinced that this was the surest path to genuine freedom, peace, and sustainable prosperity. Seven decades later, in the year 2099, this book describes the results of their remarkable living experiment.

    Too often speakers are shouted down, professors are threatened, and classes are disrupted. In Speak Freely, Keith Whittington argues that universities must protect and encourage free speech because vigorous free speech is the lifeblood of the university. Without free speech, a university cannot fulfill its most basic, fundamental, and essential purposes, including fostering freedom of thought, ideological diversity, and tolerance.Examining such hot-button issues as trigger warnings, safe spaces, hate speech, disruptive protests, speaker disinvitations, the use of social media by faculty, and academic politics, Speak Freely describes the dangers of empowering campus censors to limit speech and enforce orthodoxy. It explains why free speech and civil discourse are at the heart of the university's mission of creating and nurturing an open and diverse community dedicated to learning. It shows why universities must make space for voices from both the left and right. And it points out how better understanding why the university lives or dies by free speech can help guide everyone--including students, faculty, administrators, and alumni--when faced with difficult challenges such as unpopular, hateful, or dangerous speech.Timely and vitally important, Speak Freely demonstrates why universities can succeed only by fostering more free speech, more free thought--and a greater tolerance for both.

    Where would we be without bike helmets, baggies, toothbrushes, and pacemakers? But a century into our love affair with plastic, we’re starting to realize it’s not such a healthy relationship. Plastics draw on dwindling fossil fuels, leach harmful chemicals, litter landscapes, and destroy marine life. As journalist Susan Freinkel points out in this engaging and eye-opening book, we’re nearing a crisis point. We’ve produced as much plastic in the past decade as we did in the entire twentieth century. We’re drowning in the stuff, and we need to start making some hard choices. Freinkel gives us the tools we need with a blend of lively anecdotes and analysis. She combs through scientific studies and economic data, reporting from China and across the United States to assess the real impact of plastic on our lives. She tells her story through eight familiar plastic objects: comb, chair, Frisbee, IV bag, disposable lighter, grocery bag, soda bottle, and credit card. Her conclusion: we cannot stay on our plastic-paved path. And we don’t have to. Plastic points the way toward a new creative partnership with the material we love to hate but can’t seem to live without.

    The content is well sourced and there are plenty of references in the appendices.

    Together, we can and must act now' Al Gore, former Vice President of the United States 'Everyone's savings account and pension can meaningfully contribute. Ross tells us how in this clear, easy to understand yet transformative book' Christiana Figueres, Founding Partner, Global Optimism and Former Executive Secretary, United Nations Framework Convention on Climate Change 'I can't imagine a more important book at the moment. A detailed, action-oriented guide on how to make our money matter and save us and the planet we live on' Richard Curtis, Writer, Director, Co-Founder of Red Nose Day and UN Sustainable Development Goals Advocate Investing responsibly is one of the most powerful ways that you can fight climate change. No longer a niche sector for rebel fund managers, conscious investing has the potential to raise huge sums of money to the companies and organisations on the front line fighting the climate crisis and make investors positive returns in the process. In this essential introduction to green investing, Alice Ross shows you how you can turn your savings and pensions, however big or small, into a force for change. You will learn: - Which sectors are leading the charge by developing cutting-edge solutions; from smart farming to renewable energy- How to cut through 'alphabet soup' jargon and identify 'greenwashing' - The ways you can maximise your economic power and hold those you're investing in to account 'Changing the way that we invest is one of the most powerful levers we have for solving climate change. This hugely interesting and immensely practical book not only explains why changing how we invest is so critically important but also provides a set of powerful tools for actually doing it' Rebecca Henderson, John and Natty McArthur University Professor at Harvard University and author of Reimagining Capitalism 'Explains the power you have, through your investment choices, to accelerate the path toward a sustainable clean energy future. Read this book and be empowered to create a better future for the planet' Michael Mann, Distinguished Professor, Penn State University, author of The New Climate War

    I was left with such an unusual feeling that I didn't at first realise what it was, and then I remembered: optimism. I hope everyone with the slightest interest in the way the world works will read it' PHILIP PULLMAN ______Good news: the solutions to our problems already exist.Great news: a once-in-a-generation appetite for change means we can make them happen.The challenges we face are daunting, but in Go Big Ed Miliband shows that the scale of what is possible is far greater. We are at a rare moment in history when people everywhere see the need for big change. Meanwhile, practical and proven ways exist for tackling everything from inequality to the climate crisis - if you know where to look and have the courage to think big.Ed Miliband has captured imaginations with his award-winning hit podcast Reasons to be Cheerful, which discovers brilliant people all around the world who are successfully fixing problems, transforming communities and pioneering global movements. From a citizens' assembly in Mongolia to the UK's largest walking and cycling network in Greater Manchester, from flexible working in Finland to the campaign for the first halal Nando's in Cardiff, Go Big draws on the most imaginative and ambitious of these ideas to provide a vision for how to remake society. The future is not yet written. It's our job to write it. Go Big shows us how. ______'Inspired and inspiring, Miliband calls upon us to rise to our challenges with courageous boldness' CHRISTIANA FIGUERES, Lead Negotiator of the UN Paris Climate Agreement''Go big' should be the rallying cry of progressives around the world' RUTGER BREGMAN, author of Humankind*A Guardian, Evening Standard and New Statesman Book to Look Out for in 2021*_____(*WARNING - Contains genuinely big ideas that may inspire* Solutions cover: Green New Deal - Affordable Housing - Universal Social Inheritance - A Care Economy - Reining In Big Tech - Citizens' Assemblies - Votes At 16 - A Devolution Revolution - Fossil Fuel Divestment - Community Wealth Building and many, many more)

    He helped save the world’s last unprotected redwoods. He co-created the predecessor to today’s Green New Deal. And he led a successful effort by climate scientists and activists to keep nuclear plants operating, preventing a spike of emissions.But in 2019, as some claimed “billions of people are going to die,” contributing to rising anxiety, including among adolescents, Shellenberger decided that, as a lifelong environmental activist, leading energy expert, and father of a teenage daughter, he needed to speak out to separate science from fiction.Despite decades of news media attention, many remain ignorant of basic facts. Carbon emissions peaked and have been declining in most developed nations for over a decade. Deaths from extreme weather, even in poor nations, declined 80 percent over the last four decades. And the risk of Earth warming to very high temperatures is increasingly unlikely thanks to slowing population growth and abundant natural gas.Curiously, the people who are the most alarmist about the problems also tend to oppose the obvious solutions.What’s really behind the rise of apocalyptic environmentalism? There are powerful financial interests. There are desires for status and power. But most of all there is a desire among supposedly secular people for transcendence. This spiritual impulse can be natural and healthy. But in preaching fear without love, and guilt without redemption, the new religion is failing to satisfy our deepest psychological and existential needs.

    Can our world support that? What kind of world will it be? Those answering these questions generally fall into two deeply divided groups--Wizards and Prophets, as Charles Mann calls them in this balanced, authoritative, nonpolemical new book. The Prophets, he explains, follow William Vogt, a founding environmentalist who believed that in using more than our planet has to give, our prosperity will lead us to ruin. Cut back! was his mantra. Otherwise everyone will lose! The Wizards are the heirs of Norman Borlaug, whose research, in effect, wrangled the world in service to our species to produce modern high-yield crops that then saved millions from starvation. Innovate! was Borlaug's cry. Only in that way can everyone win! Mann delves into these diverging viewpoints to assess the four great challenges humanity faces--food, water, energy, climate change--grounding each in historical context and weighing the options for the future. With our civilization on the line, the author's insightful analysis is an essential addition to the urgent conversation about how our children will fare on an increasingly crowded Earth.

    In this book, over 20 Michaela teachers explore controversial ideas that improve the lives of pupils from disadvantaged backgrounds. Michaela is blazing a trail in education, defying many of the received notions about what works best in schools.Michaela teachers, from founders to classroom teachers to senior leaders, lead readers through different aspects of what makes Michaela unique. The school gets hundreds of visitors a year. So many ask: what's the secret? But the reality is that it isn't only one thing that makes Michaela work.This book raises challenging questions for teachers and school leaders about how they see education. How can we help new Year 7 pupils get their bearings in secondary school quickly? How do we teach pupils to remember rather than forget what they've learned? How do didactic teaching, drill and memorisation boost motivation and academic achievement? How do we get pupils to be considerate, kind and caring to each other? How do we make lunchtime a calm, happy time every day? How do we ensure new teachers are just as respected as veteran teachers? How can we ensure the weakest readers do the most reading rather than the least? How can we make sure all teachers love teaching in our schools, and want to stay in teaching? How can we prevent teachers from overworking and burning out? What do we do about parents that push back against the school's rules? These questions cut to the core of how we educate and how we see the world.

    Fat, they told us, was the enemy. Then it was salt, then sugar, then cholesterol... and on it goes. Americans listened and they lost -- but not their excess fat. What they lost was their health and waistlines. Americans are the fattest people on earth... and why? Mainly because of the food they eat. In this scientific and revolutionary book, based on Nobel Prize-winning research, medical visionary and former Massachusetts Institute of Technology researcher Dr. Barry Sears makes peak physical and mental performance, as well as permanent fat loss, simple for you to understand and achieve. With lists of good and bad carbohydrates, easy-to-follow food blocks and delicious recipes, The Zone provides all you need to begin your journey toward permanent fat loss, great health and all-round peak performance. In balance, your body will not only burn fat, but you'll fight heart disease, diabetes, PMS, chronic fatigue, depression and cancer, as well as alleviate the painful symptoms of diseases such as multiple sclerosis and HIV. This Zone state of exceptional health is well-known to champion athletes. Your own journey toward it can begin with your next meal. You will no longer think of food as merely an item of pleasure or a means to appease hunger. Food is your medicine and your ticket to that state of ultimate body balance, strength and great health: the Zone.

    Everything else can be made, bought or created. Our life is made up of around 600,000 hours and every second is of infinite value. We live in an attention economy where corporations are fighting for our time with the goal of monetizing our every second. The money we use loses value and devalues our time through inflation. When we work, we are exchanging our limited time for money whose quantity increases every year. It hasn’t always been this way. People used gold as money for a reason; it was also a limited resource. Now, what does the future hold?Valuing your time is the first step to improving your life. Knowing that your time is the only limited resource makes you more selective about the things you do, the people you spend your time with and the assets you choose to store your wealth in. Once you learn to appreciate your time, you will get busy doing the things you love and start making better financial choices.

    And if every page of these chapters does not proclaim to the reader that the only means for the realization of Truth is ahimsa, I shall deem all my labour in writing these chapters to have been in vain. And, even though my efforts in this behalf may prove fruitless, let the readers know that the vehicle, not the great principle, is at fault.- M. K. Gandhi