At kitchen tables all across the country, parents agonize over whether to burden their children with loans or to sacrifice their own financial security by taking out a second mortgage or draining their retirement savings. Indebted takes readers into the homes of middle-class families throughout the nation to reveal the hidden consequences of student debt and the ways that financing college has transformed family life.Caitlin Zaloom gained the confidence of numerous parents and their college-age children, who talked candidly with her about stressful and intensely personal financial matters that are usually kept private. In this remarkable book, Zaloom describes the profound moral conflicts for parents as they try to honor what they see as their highest parental duty--providing their children with opportunity--and shows how parents and students alike are forced to take on enormous debts and gamble on an investment that might not pay off. What emerges is a troubling portrait of an American middle class fettered by the student finance complex--the bewildering labyrinth of government-sponsored institutions, profit-seeking firms, and university offices that collect information on household earnings and assets, assess family needs, and decide who is eligible for aid and who is not.Superbly written and unflinchingly honest, Indebted breaks through the culture of silence surrounding the student debt crisis, revealing the unspoken costs of sending our kids to college.

    We spend 90 percent of our time inside, shuttling between homes and offices, schools and stores, restaurants and gyms. And yet, in many ways, the indoor world remains unexplored territory. For all the time we spend inside buildings, we rarely stop to consider: How do these spaces affect our mental and physical well-being? Our thoughts, feelings, and behaviors? Our productivity, performance, and relationships?In this wide-ranging, character-driven book, science journalist Emily Anthes takes us on an adventure into the buildings in which we spend our days, exploring the profound, and sometimes unexpected, ways that they shape our lives. Drawing on cutting-edge research, she probes the pain-killing power of a well-placed window and examines how the right office layout can expand our social networks. She investigates how room temperature regulates our cognitive performance, how the microbes hiding in our homes influence our immune systems, and how cafeteria design affects what—and how much—we eat.Along the way, Anthes takes readers into an operating room designed to minimize medical errors, a school designed to boost students’ physical fitness, and a prison designed to support inmates’ psychological needs. And she previews the homes of the future, from the high-tech houses that could monitor our health to the 3D-printed structures that might allow us to live on the Moon.The Great Indoors provides a fresh perspective on our most familiar surroundings and a new understanding of the power of architecture and design. It's an argument for thoughtful interventions into the built environment and a story about how to build a better world—one room at a time.

    In this exciting sequel, he builds on his groundbreaking research, showing you how to use your color profile as a guide to cultivating a full and balanced character. The essence of character is the ability to enhance not only our own lives, but the lives of others as well. Here, Dr. Hartman gives you the tools you need to unlock your true potential, including engaging case histories, clearly articulated principles, and step-by-step exercises for: Recognizing your innate -- and developed -- strengthsIdentifying your core motivationsCommunicating more effectivelyFocusing your commitmentsDiscovering the importance of character "stretching" Presented with refreshing style and candid professionalism, this revolutionary guide provides tremendous counsel for identifying and embracing an enhanced life.

    The book begins with an Overview section. This provides an introduction to Financial Management and to the Financial Environment. The next part covers Financial Planning and Analysis. This section explains concepts like taxes, cash flow, financial statements, and analysis of funds flow and statements. It also discusses financial planning and forecasting.The third part covers the Fundamental Valuation Concepts. This section looks at risk and return, and Securities valuation. The next two parts focus on capital structure, budgeting and dividends. These sections discuss cost of capital, capital structure, planning the capital structure, share valuation and dividend policy. The chapter on Capital budgeting also includes techniques of capital budgeting and analyzing risks in capital budgeting. Part seven goes into Long Term Financing. It covers securities market and sources of long term finance.The next part discusses Working Capital Management. It covers topics like working capital policy and financing, inventory management, and cash and credit management. The last part looks at some special topics like acquisitions, restructuring and mergers. It also discusses international finance management, and project finance, leasing and hire purchase.Fundamentals Of Financial Management provides a good coverage of the basic concepts relating to the financial environment. The topics explained include tax systems, financial institutions, banking arrangements and the regulatory framework. All the concepts are explained using numerous examples and illustrations. Besides the illustrations given within the chapter, additional concepts, tools and techniques with illustrations are provided at the end of chapter sections. The book takes an analytical approach, and explains the various analytical methods in context.

    However, many of them seem to stall in their careers and never make it to the corner offices.Leading executive coach Jane Hyun explores how traditional Asian values can be at odds with Western corporate culture. By using anecdotes, case studies, and exercises, Hyun offers practical solutions for resolving misunderstandings and overcoming challenges in an increasingly multicultural workplace. This timely book explains how companies will benefit from discovering and supporting the talents of their Asian employees and shows Asians how to leverage their strengths to break through the bamboo ceiling.

    One-tenth of that amount will lower IQ.Nearly two out of every five African-American homes in Baltimore are plagued by lead-based paint. Almost all of the 37,500 Baltimore children who suffered lead poisoning from 2003 to 2015 were African-American.From injuries caused by lead poisoning to the devastating effects of atmospheric pollution, infectious disease, and industrial waste, Americans of color are harmed by environmental hazards in staggeringly disproportionate numbers. This systemic onslaught of toxic exposure and institutional negligence causes irreparable physical harm to millions of people across the country--cutting lives tragically short and needlessly burdening the health care system. But these deadly environments create another insidious and often overlooked consequence: robbing communities of color, and America as a whole, of intellectual power.The 1994 publication of The Bell Curve and its controversial thesis, catapulted the topic of genetic racial differences in IQ to the forefront of a renewed and heated debate. Now, in A Terrible Thing to Waste, award-winning science writer Harriet A. Washington adds her incisive analysis to the fray, arguing that IQ is a biased and flawed metric, but that it is useful for tracking cognitive damage. She tears apart the spurious notion of intelligence as an inherited trait, using copious data that instead point to a different cause of the reported African American-white IQ gap: environmental racism--a confluence of racism and other institutional factors that relegate marginalized communities to living and working near sites of toxic waste, pollution, and insufficient sanitation services. She investigates heavy metals, neuro-toxins, deficient prenatal care, bad nutrition, and even pathogens as chief agents influencing intelligence to explain why communities of color are disproportionately affected--and what can be done to remedy this devastating problem.Featuring extensive scientific research and Washington's sharp, lively reporting, A Terrible Thing to Waste is sure to outrage, transform the conversation, and inspire debate.

    Before the Civil War, masters confined their slaves to their property, while free black people found themselves regularly stopped, questioned, and even kidnapped. Restrictions on movement before Emancipation carried over, in different forms, into Reconstruction and beyond; for most of the 20th century, many white Americans felt blithely comfortable denying their black countrymen the right to travel freely on trains and buses. Yet it became more difficult to shackle someone who was cruising along a highway at 45 miles per hour.In Driving While Black, the acclaimed historian Gretchen Sorin reveals how the car—the ultimate symbol of independence and possibility—has always held particular importance for African Americans, allowing black families to evade the many dangers presented by an entrenched racist society and to enjoy, in some measure, the freedom of the open road. She recounts the creation of a parallel, unseen world of black motorists, who relied on travel guides, black only businesses, and informal communications networks to keep them safe. From coast to coast, mom and pop guest houses and tourist homes, beauty parlors, and even large hotels—including New York’s Hotel Theresa, the Hampton House in Miami, or the Dunbar Hotel in Los Angeles—as well as night clubs and restaurants like New Orleans’ Dooky Chase and Atlanta’s Paschal’s, fed travelers and provided places to stay the night. At the heart of Sorin’s story is Victor and Alma Green’s famous Green Book, a travel guide begun in 1936, which helped grant black Americans that most basic American rite, the family vacation.As Sorin demonstrates, black travel guides and black-only businesses encouraged a new way of resisting oppression. Black Americans could be confident of finding welcoming establishments as they traveled for vacation or for business. Civil Rights workers learned where to stay and where to eat in the South between marches and protests. As Driving While Black reminds us, the Civil Rights Movement was just that—a movement of black people and their allies in defiance of local law and custom. At the same time, she shows that the car, despite the freedoms it offered, brought black people up against new challenges, from segregated ambulance services to unwarranted traffic stops, and the racist violence that too often followed.Interwoven with Sorin’s own family history and enhanced by dozens of little known images, Driving While Black charts how the automobile fundamentally reshaped African American life, and opens up an entirely new view onto one of the most important issues of our time.

    Accessing a cultural archive built over 400 years of Dutch colonial rule, Wekker fundamentally challenges Dutch racial exceptionalism by undermining the dominant narrative of the Netherlands as a "gentle" and "ethical" nation. Wekker analyzes the Dutch media's portrayal of black women and men, the failure to grasp race in the Dutch academy, contemporary conservative politics (including gay politicians espousing anti-immigrant rhetoric), and the controversy surrounding the folkloric character Black Pete, showing how the denial of racism and the expression of innocence safeguards white privilege. Wekker uncovers the postcolonial legacy of race and its role in shaping the white Dutch self, presenting the contested, persistent legacy of racism in the country.

    In recent years, however, the fundamental principles of the movement have influenced other academic disciplines, from sociology and politics to ethnic studies and history.And yet, while the critical race theory movement has spawned dozens of conferences and numerous books, no concise, accessible volume outlines its basic parameters and tenets. Here, then, from two of the founders of the movement, is the first primer on one of the most influential intellectual movements in American law and politics.

    Pao sued a powerhouse Silicon Valley venture capital firm, calling out workplace discrimination and retaliation against women and other underrepresented groups. Her suit rocked the tech world--and exposed its toxic culture and its homogeneity. Her message overcame negative PR attacks that took aim at her professional conduct and her personal life, and she won widespread public support--Time hailed her as "the face of change." Though Pao lost her suit, she revolutionized the conversation at tech offices, in the media, and around the world. In Reset, she tells her full story for the first time.The daughter of immigrants, Pao was taught that through hard work she could achieve her dreams. She earned multiple Ivy League degrees, worked at top startups, and in 2005 was recruited by Kleiner Perkins, arguably the world's leading venture capital firm at the time. In many ways, she did everything right, and yet she and other women and people of color were excluded from success--cut out of decisive meetings and email discussions, uninvited to CEO dinners and lavish networking trips, and had their work undercut or appropriated by male executives. It was time for a system reset.After Kleiner, Pao became CEO of reddit, where she took forceful action to change the status quo for the company and its product. She banned revenge porn and unauthorized nude photos--an action other large media sites later followed--and shut down parts of reddit over online harassment. She and seven other women tech leaders formed Project Include, an award-winning nonprofit for accelerating diversity and inclusion in tech. In her book, Pao shines a light on troubling issues that plague today's workplace and lays out practical, inspiring, and achievable goals for a better future.Ellen K. Pao's Reset is a rallying cry--the story of a whistleblower who aims to empower everyone struggling to be heard, in Silicon Valley and beyond.

    This view is shared by all scientists who study variation in human populations. Yet racial prejudice and intolerance based on the myth of race remain deeply ingrained in Western society. In his powerful examination of a persistent, false, and poisonous idea, Robert Sussman explores how race emerged as a social construct from early biblical justifications to the pseudoscientific studies of today.The Myth of Race traces the origins of modern racist ideology to the Spanish Inquisition, revealing how sixteenth-century theories of racial degeneration became a crucial justification for Western imperialism and slavery. In the nineteenth century, these theories fused with Darwinism to produce the highly influential and pernicious eugenics movement. Believing that traits from cranial shape to raw intelligence were immutable, eugenicists developed hierarchies that classified certain races, especially fair-skinned "Aryans," as superior to others. These ideologues proposed programs of intelligence testing, selective breeding, and human sterilization--policies that fed straight into Nazi genocide. Sussman examines how opponents of eugenics, guided by the German-American anthropologist Franz Boas's new, scientifically supported concept of culture, exposed fallacies in racist thinking.Although eugenics is now widely discredited, some groups and individuals today claim a new scientific basis for old racist assumptions. Pondering the continuing influence of racist research and thought, despite all evidence to the contrary, Sussman explains why--when it comes to race--too many people still mistake bigotry for science.

    Advancing a daring andsophisticated theory, Meyrowitz shows how television and other electronic media have created new social situations that are no longer shaped by where we are or who is with us.While other media experts have limited the debate to message content, Meyrowitz focuses on the ways in which changes in media rearrange who knows what about whom and who knows what compared to whom, making it impossible for us to behave with each other in traditional ways. No Sense of Placeexplains how the electronic landscape has encouraged the development of:-More adultlike children and more childlike adults;-More career-oriented women and more family-oriented men; and-Leaders who try to act more like the person next door and real neighbors who want to have a greater say in local, national, and international affairs.The dramatic changes fostered by electronic media, notes Meyrowitz, are neither entirely good nor entirely bad. In some ways, we are returning to older, pre-literate forms of social behavior, becoming hunters and gatherers of an information age. In other ways, we are rushing forward into a newsocial world. New media have helped to liberate many people from restrictive, place-defined roles, but the resulting heightened expectations have also led to new social tensions and frustrations. Once taken-for-granted behaviors are now subject to constant debate and negotiation.The book richly explicates the quadruple pun in its title: Changes in media transform how we sense information and how we make sense of our physical and social places in the world.

    Award-winning philanthropy executive Edgar Villanueva draws from the traditions from the Native way to prescribe the medicine for restoring balance and healing our divides.Though it seems counterintuitive, the philanthropic industry has evolved to mirror colonial structures and reproduces hierarchy, ultimately doing more harm than good. After 14 years in philanthropy, Edgar Villanueva has seen past the field's glamorous, altruistic facade, and into its shadows: the old boy networks, the savior complexes, and the internalized oppression among the "house slaves," and those select few people of color who gain access.All these funders reflect and perpetuate the same underlying dynamics that divide Us from Them and the haves from have-nots. In equal measure, he denounces the reproduction of systems of oppression while also advocating for an orientation towards justice to open the floodgates for a rising tide that lifts all boats. In the third and final section, Villanueva offers radical provocations to funders and outlines his Seven Steps for Healing.With great compassion--because the Native way is to bring the oppressor into the circle of healing--Villanueva is able to both diagnose the fatal flaws in philanthropy and provide thoughtful solutions to these systemic imbalances. Decolonizing Wealth is a timely and critical book that preaches for mutually assured liberation in which we are all inter-connected.

    This text introduces readers to the theory and research findings needed to understand how to make groups effective, and it helps build the skills required to apply that knowledge in practical situations.

    Drawing on many first-hand examples and numerous new case studies and interviews with grassroots activists and organizations around the world, as well as Oxfam's unrivalled global experience, this important book answers the question: how does change happen and how can we-governments, organizations, businesses, leaders, campaigners, employees, and ordinary citizens-make a difference?