If you've never had to survive on an income so small, it is hard to imagine. How would you put food on the table, afford a home, and educate your children? How would you handle emergencies and old age? Every day, more than a billion people around the world must answer these questions. Portfolios of the Poor is the first book to systematically explain how the poor find solutions to their everyday financial problems.The authors conducted year-long interviews with impoverished villagers and slum dwellers in Bangladesh, India, and South Africa--records that track penny by penny how specific households manage their money. The stories of these families are often surprising and inspiring. Most poor households do not live hand to mouth, spending what they earn in a desperate bid to keep afloat. Instead, they employ financial tools, many linked to informal networks and family ties. They push money into savings for reserves, squeeze money out of creditors whenever possible, run sophisticated savings clubs, and use microfinancing wherever available. Their experiences reveal new methods to fight poverty and ways to envision the next generation of banks for the "bottom billion."Indispensable for those in development studies, economics, and microfinance, Portfolios of the Poor will appeal to anyone interested in knowing more about poverty and what can be done about it.

    Over the decades, these capitalists spread their footprint across vast sectors of the economy from steel and mining to telecom and retail. And now even e-tail. Nikhil Inamdar’s Rokda features the stories of a few pioneering men from this mercantile community—Radheshyam Agarwal and Radheshyam Goenka, founders of the cosmetic major Emami; Rohit Bansal, co-founder of Snapdeal; Neeraj Gupta, founder of Meru Cabs; and V.K. Bansal, a humble mathematics tutor whose genius spawned a massive coaching industry in Kota—amongst others. Through the triumphs and tribulations of these men in the epoch marking India’s entire post independence struggle with entrepreneurship—from the License Raj to the opening up of the floodgates in 1991, and the dawn of the digital era—Rokda seeks to uncover the indomitable spirit of the Baniya.

    In the years that followed, as Wall Street boomed and financial wheeler-dealers made vast profits, the international crises of the 1990s faded from memory. But now depression economics has come to America: when the great housing bubble of the mid-2000s burst, the U.S. financial system proved as vulnerable as those of developing countries caught up in earlier crises and a replay of the 1930s seems all too possible. In this new, greatly updated edition of The Return of Depression Economics, Krugman shows how the failure of regulation to keep pace with an increasingly out-of-control financial system set the United States, and the world as a whole, up for the greatest financial crisis since the 1930s. He also lays out the steps that must be taken to contain the crisis, and turn around a world economy sliding into a deep recession. Brilliantly crafted in Krugman's trademark style--lucid, lively, and supremely informed--this new edition of The Return of Depression Economics will become an instant cornerstone of the debate over how to respond to the crisis.

    It blends practical and theoretical coverage, while maintaining an appropriate rigor and a clear writing style. Its unifying theme is that security markets are nearly efficient, meaning that most securities are priced appropriately given their risk and return attributes. The text places greater emphasis on asset allocation and offers a much broader and deeper treatment of futures, options, and other derivative security markets than most investment texts. It is also the only graduate Investments text to offer an online homework management system, McGraw-Hill's "Connect Finance."

      Looking at the ways in which discussions of land have been routinely excluded from both housing policy and economic theory, Rethinking the Economics of Land and Housing argues that in order to tackle these increasingly pressing issues a major re-thinking by both politicians and economists is required. This is the first comprehensive guide to the role of land in the economy, making this an essential reference for students, scholars, policymakers, activists, and NGOs working on land issues.

    Like everything he writes, it is new, stimulating and sparkles like champagne.Braudel's technique, it has been said, is that of a pointilliste. Myriads of separate details, sharp glimpses of reality experienced by real people, are seen miraculously to orchestrate themselves into broad rhythms that underlie and transcend the excitements and struggles of particular periods. Braudel sees the past as we see the present — only in a longer perspective and over a wider field.The perspective is that of the possible, of the actual material limitations to human life in any given time or place. It is the every¬day, the habitual — the obvious that is so obvious it has hitherto been neglected by historians — that Braudel claims for a new and vast and enriching province of history. Food and drink, dress and housing, demography and family structure, energy and technology, money and credit, and, above all, the growth of towns, that powerful agent of social and economic development, are described in all the richness and complexity of real life.The intensely visual quality of Braudel's understanding of history is brought into sharper focus by the remarkable series of illustrations that of themselves would make this book incomparableFERNAND BRAUDEL was born in 1902, received a degree in history in 1923, and subsequently taught in Algeria, Paris and Sao Paulo. He spent five years as a prisoner of war in Germany, during which time he wrote his grand thesis, The Mediterranean and the Mediterranean World in the Age of Philip II, which was published in 1949. In 1946 he became a member of the editorial board of Annates, the famous journal founded by Marc Bloch and Lucian Febvre, whom he succeeded at the College de France in 1949. He has been a member of the Ecole Pratique des Hautes Etudes and since 1962 has been chief administrator of the Maison des Sciences de l'Homme. Professor Braudel holds honorary doctor¬ates from universities all over the world.Jacket painting: Detail from Breughel the Elder's The Fall of Icarus, from the Musees Royaux des Beaux-Arts, Brussels. (Giraudon)"Braudel deserves a Nobel Prize. . . . [This is] the most remarkable picture of human life in the centuries before the human condition was radically changed by the growth of industry that has yet been presented. A book of great originality, a masterpiece."—J. H. Plumb, The Washington Post"Braudel's books enthrall. ... He is brilliant in demonstrating how most history is written on the backs of most people."—John Leonard, The New York Times"Even a preliminary glance at The Structures of Everyday Life shows a book that has no obvious compeer either in scope of reference or level of accessibility to the general reader. ... Its broad authority remains deeply impressive."—Richard Holmes, Harper's"Here is vast erudition, beautifully arranged, presented with grace of style, with humility before life's complexity and warm humanist feeling. Braudel's subject is nothing less than every¬day life all over the world before the industrial revolution.... He succeeds triumphantly in his first purpose: 'if not to see everything, at least to locate everything, and on the requisite world scale.'"—Angus Calder, The Standard"On neither side of the Atlantic does there live a man or woman with so much knowledge of the past as Braudel, or with a greater sense of its aptness to the intellectual occasion in hand....You can't pick up this big fat book without having your attention transfixed by something or other, if only the great gallery of pictures. They are a masterpiece in themselves."—Peter Laslett, The Guardian"This new book is unarguably a brilliant survey of demog¬raphy, urbanisation, transport, technology, food, clothing, housing, money and business, social classes, state power and international trade in the fifteenth to the eighteenth centuries."—Theodore Zeldin, The Listener-----By examining in detail the material life of preindustrial peoples around the world, Fernand Braudel significantly changed the way historians view their subject. Volume I describes food and drink, dress and housing, demography and family structure, energy and technology, money and credit, and the growth of towns.

    It captures their key beliefs, explores their backgrounds, assesses their thinking and evaluates their legacy. It explains the schools of thought named after them and clearly shows how they influence our everyday lives.

    During the summer of his senior year at college, while earning a B.A. in Economics and Political Science, David P. Spears spent eighty hours undercover as a panhandler. Systematically recording every transaction at the exit ramp, Spears captured a rarely seen picture of how modern urban charity works.This book is the record of his adventures, part economic research, part investigative journalism. Both the numbers and the stories behind the numbers provide answers to the questions we’ve all been wondering: Who gives more to panhandlers—men or women? What percentage of drivers roll down their windows to donate? And most important of all, how much can a panhandler earn per hour?Get out your bi-weekly pay stub—by the end of this book you’ll know if you make more or less than the guy with the cardboard sign.

    This book presents a unique, integrated perspective on natural gas, crude oil and natural gas liquids that is vital to understanding energy prices, product flows, infrastructure, equity values and the global energy economy.Innovative analysis provides energy producers, marketers, end users, financiers, and investors with a framework for understanding the tectonic shift in global supply and demand that will continue to drive energy markets for decades to come. The Domino Effect also delivers high-level insights into exploiting the extraordinary investment, trade and career opportunities that will continue to be opened by the shale revolution.

    It will surpass China in population by 2032 and will have more English speakers than the United States by 2050. In In Spite of the Gods, Edward Luce, a journalist who covered India for many years, makes brilliant sense of India and its rise to global power. Already a number-one bestseller in India, his book is sure to be acknowledged for years as the definitive introduction to modern India. In Spite of the Gods illuminates a land of many contradictions. The booming tech sector we read so much about in the West, Luce points out, employs no more than one million of India’s 1.1 billion people. Only 35 million people, in fact, have formal enough jobs to pay taxes, while three-quarters of the country lives in extreme deprivation in India’s 600,000 villages. Yet amid all these extremes exists the world’s largest experiment in representative democracy—and a largely successful one, despite bureaucracies riddled with horrifying corruption. Luce shows that India is an economic rival to the U.S. in an entirely different sense than China is. There is nothing in India like the manufacturing capacity of China, despite the huge potential labor force. An inept system of public education leaves most Indians illiterate and unskilled. Yet at the other extreme, the middle class produces ten times as many engineering students a year as the United States. Notwithstanding its future as a major competitor in a globalized economy, American. leaders have been encouraging India’s rise, even welcoming it into the nuclear energy club, hoping to balance China’s influence in Asia. Above all, In Spite of the Gods is an enlightening study of the forces shaping India as it tries to balance the stubborn traditions of the past with an unevenly modernizing present. Deeply informed by scholarship and history, leavened by humor and rich in anecdote, it shows that India has huge opportunities as well as tremendous challenges that make the future “hers to lose.”

    She survived—and, miraculously, the baby was born healthy. But that’s where the good news ends. Marcella was left paralyzed from the chest down. This accident was much more than just a physical and emotional tragedy. Like so many Americans—50 million, or one-sixth of the country’s population—neither Marcella nor her husband, Dave, who works for a small business, had health insurance. On the day of the accident, she was on her way to class for the nursing program through which she hoped to secure one of the few remaining jobs in the area with the promise of employer-provided insurance. Instead, the accident plunged the young family into the tangled web of means-tested social assistance. As a social policy scholar, Campbell thought she knew a lot about means-tested assistance programs. What she quickly learned was that missing from most government manuals and scholarly analyses was an understanding of how these programs actually affect the lives of the people who depend on them. Using Marcella and Dave’s situation as a case in point, she reveals their many shortcomings in Trapped in America’s Safety Net. Because American safety net programs are designed for the poor, Marcella and Dave first had to spend down their assets and drop their income to near-poverty level before qualifying for help. What’s more, to remain eligible, they will have to stay under these strictures for the rest of their lives, meaning they are barred from doing many of the things middle-class families are encouraged to do: Save for retirement. Develop an emergency fund. Take advantage of tax-free college savings. And, while Marcella and Dave’s story is tragic, the financial precariousness they endured even before the accident is all too common in America, where the prevalence of low-income work and unequal access to education have generated vast—and growing—economic inequality. The implementation of Obamacare has cut the number of uninsured and underinsured and reduced some of the disparities in coverage, but it continues to leave too many people open to tremendous risk.Behind the statistics and beyond the ideological battles are human beings whose lives are stunted by policies that purport to help them. In showing how and why this happens, Trapped in America’s Safety Net offers a way to change it.

    As disagreements and conflicts between China and the West are likely to mount, the need to understand the political legacy of Mao will only become more urgent.Yet during Mao’s lifetime and beyond, the power and appeal of Maoism has always extended beyond China. Across the globe, Maoism was a crucial motor of the Cold War: it shaped the course of the Vietnam War (and the international youth rebellion it triggered) and brought to power the murderous Khmer Rouge in Cambodia; it aided, and sometimes handed victory to, anti-colonial resistance movements in Africa; it inspired terrorism in Germany and Italy, and wars and insurgencies in Peru, India and Nepal, some of which are still with us today – more than forty years after the death of Mao.In this new history, acclaimed historian Julia Lovell re-evaluates Maoism, analysing both China’s engagement with the movement and its legacy on a global canvas. It’s a story that takes us from the tea plantations of north India to the sierras of the Andes, from Paris’s 5th Arrondissement to the fields of Tanzania, from the rice paddies of Cambodia to the terraces of Brixton.Starting from the movement’s birth in northwest China in the 1930s and unfolding right up to its present-day violent rebirth, this is the definitive history of global Maoism.

    Roughly one-fifth of all children today suffer with eczema, some experiencing symptoms so severe that they look like burn victims.    Until now, there has been no real solution to this problem. Steroid creams prescribed by doctors may keep symptoms at bay temporarily, but do not resolve the problem permanently; steroids may also cause topical steroid addiction with horrific consequences, if used over the long-term.  And eczema seldom rides alone – it's part of a larger "allergic march." If your child has eczema, chances are that they will also develop food allergies, hay fever, and eventually, asthma.    The good news is that the allergic march can be interrupted – and eczema, along with many other complicated skin conditions, can be resolved. Natural health author Shann Nix Jones healed her own son from eczema and her husband from an MRSA infection even when doctors couldn't help. The staggering revelation that Shann made is that eczema is not actually a skin condition – it's an autoimmune disorder. In order to heal the skin, you have to first heal the gut.   In this book, Shann shares her natural healing wisdom on healing skin conditions such as eczema, psoriasis, rosacea, and acne, by healing the gut, in particular with the help of the probiotic drink kefir. You will learn astonishing things about new ways to care for your own body, your immune system, and your microbiome – the 2 kg of bacteria that sit inside your gut, and control the appearance and glowing health of your own skin. If you, or anyone you know, have been suffering from an ongoing skin condition, this book is the lifeline you’ve been waiting for.

    The Wall Street which emerges is not a pretty sight. Hidden from public view, the markets are poorly regulated, badly managed, chronically myopic and often corrupt. And though, as Henwood reveals, their activity contributes almost nothing to the real economy where goods are made and jobs created, they nevertheless wield enormous power. With over a trillion dollars a day crossing the wires between the world's banks, Wall Street and its sister financial centers don't just influence government, effectively they are the government.

    With 12 chapters and 1,244 practice problems, students can build fundamental skills in math and verbal through targeted practice. Plus, through easy-to-follow explanations and step-by-step applications, each question will help students cement their understanding of those concepts tested on the GRE. Purchase of this book includes access to additional online resources.