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    Starting in the early 1980s the top one percent (1%) broke away from the rest of us to become the most unstable force in the economy. An elite that had once been the flat line on the American income charts - models of financial propriety - suddenly set off on a wild ride of economic binges.              Not only do they control more than a third of the country’s wealth, their increasing vulnerability to the booms and busts of the stock market wreak havoc on our consumer economy, financial markets, communities, employment opportunities, and government finances.        Robert Frank’s insightful analysis provides the disturbing big picture of high-beta wealth. His vivid storytelling brings you inside the mortgaged mansions, blown-up balance sheets, repossessed Bentleys and Gulfstreams, and wrecked lives and relationships: • How one couple frittered away a fortune trying to build America’s biggest house —90,000 square feet with 23 full bathrooms, a 6,000 square foot master suite with a bed on a rotating platform—only to be forced to put it on the market because “we really need the money”.    • Repo men who are now the scavengers of the wealthy, picking up private jets, helicopters, yachts and racehorses – the shiny remains of a decade of conspicuous consumption financed with debt, asset bubbles, “liquidity events,” and soaring stock prices.  • How “big money ruins everything” for communities such as Aspen, Colorado whose over-reliance on the rich created a stratified social scene of velvet ropes and A-lists and crises in employment opportunities, housing, and tax revenues.  • Why California’s worst budget crisis in history is due in large part to reliance on the volatile incomes of the state’s tech tycoons.  • The bitter divorce of a couple who just a few years ago made the Forbes 400 list of the richest people, the firing of their enormous household staff of 110, and how one former spouse learned  the marvels of shopping at Marshalls,  filling your own gas tank, and flying commercial.  Robert Frank’s stories and analysis brilliantly show that the emergence of the high-beta rich is not just a high-class problem for the rich. High-beta wealth has national consequences: America’s dependence on the rich + great volatility among the rich = a more volatile America.   Cycles of wealth are now much faster and more extreme. The rich are a new “Potemkin Plutocracy” and the important lessons and consequences are brought to light of day in this engrossing book.  high-beta rich (hi be’ta rich) 1. a newly discovered personality type of the America upper class prone to wild swings in wealth. 2. the winners (and occasional losers) in an economy that creates wealth from financial markets, asset bubbles and deals. 3. derived from the Wall Street term “high-beta,” meaning highly volatile or prone to booms and busts. 4. an elite that’s capable of wreaking havoc on communities, jobs, government finances, and the consumer economy. 5. a new Potemkin plutocracy that hides a mountain of debt behind the image of success, and is one crisis away from losing their mansions, private jets and yachts.From the Hardcover edition.

    It shouldn't take a worldwide pandemic and nationwide protests to bring economic and racial inequality to the forefront of problems we desperately need to solve. But now that the opportunity is here, what should we do? How can we create more equality, opportunity, and growth for everyone? Not someday, but what can government and the private sector do right now to disrupt a status quo that almost everyone wants to change?In Common Sense, the New York Times best-selling author Joel Greenblatt offers an investor's perspective on building an economy that truly works for everyone. With dry wit and engaging storytelling, he makes a lively and provocative case for disruptive new approaches--some drawn from personal experience, some from the outside looking in. How can leading corporations immediately disrupt our education establishment while creating high-paying job opportunities for those currently left behind? If we want a living wage for everyone, how can we afford it while using an existing program to get it done now? If we subsidize banks, what simple changes can we make to the way we capitalize and regulate them to help grow the economy, increase access, and create more jobs (while keeping the risks and benefits where they belong)? Greenblatt also explains how dramatically increasing immigration would be like giving every American a giant bonus and the reason Australia might be the best place to learn about saving for retirement.Not everyone will agree with what Greenblatt has to say--but all of us can benefit from the conversations he aims to start.

    Your colorful pictures of flowers will produce a stunning flower art book that you can be proud of.In recent years coloring for grown-ups has become a widespread and growing hobby. There are of course many reasons for this, but here are just some... Coloring Lowers Stress And Anxiety Psychiatrists have long known that coloring relaxes the fear center of the brain and allows your mind to get some rest. In fact the founder of analytical psychology, Carl Jung, is known to have given his patients mandalas to color more than one hundred years ago. In today's hectic world the stress reducing properties of coloring are possibly more valuable than ever. Coloring Trains Your Brain To Focus Remaining inside the lines as you color needs focus and, while you are concentrating on this stress-free and relaxing activity, you can forget about your worries. Coloring is a mind exercise which allows you to put aside everything else for the time you spend coloring, and this is very important in our increasingly demanding world. Coloring Helps In The Development Of Fine Motor Skills And Vision Coloring forces the two hemispheres of the brain to work together and involves both the use of logic (necessary for coloring forms) and creativity (as we mix and match colors). In turn, this brings those areas of the brain responsible for fine motor skills and vision into play, and helps in keeping these active and in developing them further. It is this aspect of coloring which is being seen more and more as especially valuable for older individuals, as many in the medical profession believe that it can delay, or even prevent, the onset of dementia. Coloring Provides The Chance To Be Social Although you might feel that coloring should be a solo occupation, its rising popularity is quickly turning it into a social one. Friends, families, work colleagues and others are getting together to eat, drink and enjoy the chance to socialize, through their shared interest in coloring books. Without doubt, this is a perfect excuse for getting together, as coloring needs only a minimum of concentration and can easily be done in a group setting. Coloring Lets You Be Yourself There are no rules when it comes to coloring and your coloring book is your coloring book. If you mistakenly make the cat's back leg green because you mistook it for part of the grass, who cares? If you feel like making the sky yellow, what does it matter? You can be as creative as you wish because this is your coloring book, and yours alone."You may already be a convert to adult coloring, in which case you will already know and appreciate its value. This may however be a new project for you and one which you are considering for any one of several different reasons. If this is something new for you then I urge you to give it a try. There is a reason why so many people are fired up about the world of adult coloring, so join in and start enjoying the benefits for yourself today. IMPORTANT Please note that the illustrations in this Kindle book are deliberately of a relatively low quality in order to keep the download size of the book small.

    Find your favourite pop-culture character in this collection of silhouettes from well-known movie, television, comics and video game characters!

    In his analysis, Andrew Simms, director of the acclaimed think-and-do-tank the New Economics Foundation, and in association with tescopoly.org, tackles a subject that none of us can afford to ignore - what supermarkets in general, and Tesco in particular, are doing to the way we think we live our lives.

    Using real-world examples and simple language, it lucidly illustrates what derivatives are and why they are so powerful. This second edition of "All About Derivatives" provides a rock-solid foundation on: The most common contracts available to you in today's marketKey concepts such as cost of carry, settlement, valuation, and payoffProven methods for establishing fair valueHow leverage can work for you--and against youThe various derivative contracts traded today, including forwards, futures, swaps, and optionsPricing methods and mathematics for determining fair valueHedging strategies for managing and reducing different types of riskINCLUDES A BRAND-NEW CHAPTER ON THE ROLEDERIVATIVES PLAYED IN THE 2008 FINANCIAL MELTDOWN

    In this book, artist and workshop teacher Patti Mollica walks you through surprisingly simple and efficient strategies for achieving that kind of powerful composition, whatever your subject. Complete with timed exercises and start-to-finish painting demonstrations, this book is for any artist who feels overwhelmed by where to start or daunted by the urge to paint everything in sight. Patti Mollica's mindful approach will lead you to better, bolder results, as well as greater confidence and joy in the process. So load your palette with ample paint, grab some fat brushes and get ready to paint fast, paint loose, paint bold. Start with a strong, simple value statement Get expressive with color Be brave with your brushwork 5 technique exercises 5 start-to-finish painting demonstrations Paint fearlessly!

    Imperial Valley’s biggest crime is detailed through volumes of official records and interviews with witnesses, relatives and investigators.Serial killer Robert Eugene Pennington not only murdered Sayers, but was a suspect in killing Dorothy Minor-Hindman in Fresno and possibly fifteen other innocent victims from coast to coast including one victim attributed to the Boston Strangler.Extensive research provides the reader with details of Pennington’s life before and after his encounter with Brenda.

    My wish simply is to live my life as fully as I can'The great American poet, novelist and environmental activist argues for a life lived slowly.

    Decades later she has written a deeply personal, profoundly intimate reflection on love and female creativity, and what happens when the two collide in a man's world.Dissolve is a conversation. A conversation with the young women of Gemmell's teenage daughter's generation, and of course with men.'Reading this memoir is like therapy for the soul' ArtsHub'one of the most enriching, yet debilitating reads I've experienced... tremendous, moving writing' Jessie Tu, Women's Agenda'Nikki Gemmell wrote this book for me, and I suspect there will be many women who feel the same way... Each page is imbued with startling self-awareness and profound wisdom... Vulnerable, honest and raw' Better Reading

    He shares his investing philosophy and offers advice on all aspects of financial planning, including engaging an adviser; building a property portfolio; investing in shares, bonds or managed funds; growing your superannuation; and ethical investment.It’s Your Money is an indispensable guide for anyone who wants to do more with their money. Alan shows how, with a few careful steps and some practical wisdom, anyone can invest sensibly and successfully. He gives you the tools to be confidently in charge of your money and your future, your way.It’s Your Money is an indispensable guide for anyone who wants to do more with their money

    270-380 BCE) was classical India's greatest thinker and teacher. Through his unparalleled ability to devise result-oriented military, political, and administrative strategy, he overthrew one king, crowned another and paved the way for the establishment of India's first great empire. His seminal work, the Arthashashtra, arguably the world's first comprehensive treatise on statecraft and governance, was written approximately two thousand years before Machiavelli's The Prince.What would Chanakya do if confronted with the various crises that beset contemporary India? Using this question as the starting point for his new book, celebrated writer and thinker Pavan K. Varma has drawn up a practical and detailed plan, modelled on the Arthashashtra, to bring about reform and change in five key areas that require urgent attention governance, democracy, corruption, security, and the building of an inclusive society. Whether it is laying the foundation for an independent and effective Lokpal, or decriminalizing politics and successfully weeding out the corrupt, the solutions he proposes are substantive, well within the constitutional framework, and can make all the difference between intent and action.Chanakya's New Manifesto is both a call to action as well as a deeply insightful account of the challenges facing the country today. It is a book that should be attentively read by everybody with a stake in India's future.

    King of the whittlers.' Sunday Telegraph Barn The Spoon, as he’s affectionately known is a rare master craftsman in the art of spoon carving. In this book he generously shares his extraordinary skill, gentle philosophy and his life’s work – designing and carving beautiful spoons that are both a joy to use and hold.The simple, ordinary spoon is part of our everyday lives, intimately entwined with the acts of eating and socialising, from stirring our first cup of coffee to scraping the last bit of pudding from the bowl. And who doesn't like to spoon in bed? Barn’s spoons will take you on a journey into the new wood culture, from understanding the relationship between wood, the raw material and its majestic origins in our trees and woodland, to the workshop and the axe block, and into your own kitchen. Barn will show you how to use the axe and knife, from how they should feel in your hand to honing the perfect edge when carving your own spoons. Featuring sixteen unique designs in the four main categories of spoon – eating, serving, cooking and measuring spoons, Barn takes you through the nuances of their making, how each design is informed by its function at the table or in the kitchen, and the key skills you will learn – such as creating octagonal handles, manipulating grain patterns and mastering bent branches. Beautiful photography will inspire and act as a blue-print to help perfect your technique.