In Confessions of a Subprime Lender: An Insider's Tale of Greed, Fraud, and Ignorance, he reveals the truth about how the subprime lending business spiraled out of control, pushed home prices to unsustainable levels, and turned unqualified applicants into qualified borrowers through creative financing. Learn about the ways the mortgage industry can be fixed with his twenty suggestions for critical change.

    Few of us think of violence. But beneath the surface of the poorest communities in the developing world is a hidden epidemic of everyday violence-of rape, forced labor, illegal detention, land theft, police abuse, and more- that is undermining our best efforts to assist the poor. Gary Haugen and Victor Boutros's The Locust Effect offers a searing account of the way pervasive violence blocks the road out of poverty, undermines economic development, and reduces the effectiveness of international public health efforts. As corrupt and dysfunctional justice systems allow the locusts of predatory violence to descend upon the poor, the ravaging plague lays waste to programs of income generation, disease prevention, education for girls and other assistance to the poor. And tragically, none of these aid programs can stop the violence. In graphic real-world stories-set in locales ranging from Peru to India to Nigeria- The Locust Effect offers a gripping journey into the vast, hidden underworld of everyday violence where justice is only available to those with money. But the book holds out hope, recalling that justice systems in developed countries were once just as corrupt and brutal; and explores a practical path for throwing off antiquated colonial justice systems and re-engineering the administration of justice to protect the poorest. Sweeping in scope and filled with unforgettable stories, The Locust Effect will force us to rethink everything we know about the causes of poverty and what it will take make the poor safe enough to prosper.

    We see how they rebrand themselves as saviors of the poor; how they lavishly reward "thought leaders" who redefine "change" in winner-friendly ways; and how they constantly seek to do more good, but never less harm. We hear the limousine confessions of a celebrated foundation boss; witness an American president hem and haw about his plutocratic benefactors; and attend a cruise-ship conference where entrepreneurs celebrate their own self-interested magnanimity.Giridharadas asks hard questions: Why, for example, should our gravest problems be solved by the unelected upper crust instead of the public institutions it erodes by lobbying and dodging taxes? He also points toward an answer: Rather than rely on scraps from the winners, we must take on the grueling democratic work of building more robust, egalitarian institutions and truly changing the world. A call to action for elites and everyday citizens alike.

    and trying, and trying some more? How far do you go to achieve your dream of having children?So Close is the heart wrenching, exhilarating, devastatingly funny story of Tertia Albertyn's battle with infertility. Tertia wanted a baby so badly she went through nine IVFs. Most people give up after the third.I don't think I am being brave at all. I am just too terrified NOT to try again.In her worst nightmare she could never have imagined that making a baby would take her four years, each treatment bringing her and her husband Marko closer and closer to creating their family.During Tertia's journey everything that can go wrong does go wrong. Until, finally, everything goes just right.Tertia is as hilarious as she is irrepressible, as approachable as she is knowledgeable. If you are struggling with infertility, have triumphed over infertility or have felt empathy with someone who is going through this experience, you will find a friend in Tertia.

    From art museums and university hospitals to think tanks and church charities, over 1.5 million organizations of staggering diversity share the tax-exempt 501(c)(3) designation, if little else. Many social justice organizations have joined this world, often blunting political goals to satisfy government and foundation mandates. But even as funding shrinks and government surveillance rises, many activists often find it difficult to imagine movement-building outside the nonprofit model. The Revolution Will Not Be Funded gathers original essays by radical activists from around the globe who are critically rethinking the long-term consequences of this investment. Together with educators and nonprofit staff they finally name the “nonprofit industrial complex” and ask hard questions: How did politics shape the birth of the nonprofit model? How does 501(c)(3) status allow the state to co-opt political movements? Activists--or careerists? How do we fund the movement outside this complex? Urgent and visionary, The Revolution Will Not Be Funded is an unbeholden exposé of the “nonprofit industrial complex” and its quietly devastating role in managing dissent.

    The winners and losers are easily identified.In infinite games, like business or politics or life itself, the players come and go, the rules are changeable, and there is no defined endpoint. There are no winners or losers in an infinite game; there is only ahead and behind.The more I started to understand the difference between finite and infinite games, the more I began to see infinite games all around us. I started to see that many of the struggles that organizations face exist simply because their leaders were playing with a finite mindset in an infinite game. These organizations tend to lag behind in innovation, discretionary effort, morale and ultimately performance.The leaders who embrace an infinite mindset, in stark contrast, build stronger, more innovative, more inspiring organizations. Their people trust each other and their leaders. They have the resilience to thrive in an ever-changing world, while their competitors fall by the wayside. Ultimately, they are the ones who lead the rest of us into the future.Any worthwhile undertaking starts with Why - the purpose, cause or belief that inspires us to do what we do and inspires others to join us. Good leaders know how to build Circles of Safety that promote trust and cooperation throughout their organizations. But that's not enough to help us chart a course through the unpredictable, often chaotic landscape of today's marketplace.I now believe that the ability to adopt an infinite mindset is a prerequisite for any leader who aspires to leave their organization in better shape than they found it.

    Albert O. Hirschman makes a basic distinction between alternative ways of reacting to deterioration in business firms and, in general, to dissatisfaction with organizations: one, "exit," is for the member to quit the organization or for the customer to switch to the competing product, and the other, "voice," is for members or customers to agitate and exert influence for change "from within." The efficiency of the competitive mechanism, with its total reliance on exit, is questioned for certain important situations. As exit often undercuts voice while being unable to counteract decline, loyalty is seen in the function of retarding exit and of permitting voice to play its proper role. The interplay of the three concepts turns out to illuminate a wide range of economic, social, and political phenomena. As the author states in the preface, "having found my own unifying way of looking at issues as diverse as competition and the two-party system, divorce and the American character, black power and the failure of 'unhappy' top officials to resign over Vietnam, I decided to let myself go a little."

    How did the “land of the free” become the home of the world’s largest prison system? Challenging the belief that America’s prison problem originated with the Reagan administration’s War on Drugs, Elizabeth Hinton traces the rise of mass incarceration to an ironic source: the social welfare programs of Lyndon Johnson’s Great Society at the height of the civil rights era.Johnson’s War on Poverty policies sought to foster equality and economic opportunity. But these initiatives were also rooted in widely shared assumptions about African Americans’ role in urban disorder, which prompted Johnson to call for a simultaneous War on Crime. The 1965 Law Enforcement Assistance Act empowered the national government to take a direct role in militarizing local police. Federal anticrime funding soon incentivized social service providers to ally with police departments, courts, and prisons. Under Richard Nixon and his successors, welfare programs fell by the wayside while investment in policing and punishment expanded. Anticipating future crime, policymakers urged states to build new prisons and introduced law enforcement measures into urban schools and public housing, turning neighborhoods into targets of police surveillance.By the 1980s, crime control and incarceration dominated national responses to poverty and inequality. The initiatives of that decade were less a sharp departure than the full realization of the punitive transformation of urban policy implemented by Republicans and Democrats alike since the 1960s.

    His students, some of the nation’s brightest minds, were adrift when it came to the big questions: how to think critically and creatively, and how to find a sense of purpose.Excellent Sheep takes a sharp look at the high-pressure conveyor belt that begins with parents and counselors who demand perfect grades and culminates in the skewed applications Deresiewicz saw firsthand as a member of Yale’s admissions committee. As schools shift focus from the humanities to "practical" subjects like economics and computer science, students are losing the ability to think in innovative ways. Deresiewicz explains how college should be a time for self-discovery, when students can establish their own values and measures of success, so they can forge their own path. He addresses parents, students, educators, and anyone who's interested in the direction of American society, featuring quotes from real students and graduates he has corresponded with over the years, candidly exposing where the system is broken and clearly presenting solutions.

    Drawing on both her roots in Kentucky and her adventures with Manhattan Coop boards, Where We Stand is a successful black woman's reflection--personal, straight forward, and rigorously honest--on how our dilemmas of class and race are intertwined, and how we can find ways to think beyond them.

    With boundless erudition and in delightfully clear prose, Surowiecki ranges across fields as diverse as popular culture, psychology, ant biology, behavioral economics, artificial intelligence, military history, and politics to show how this simple idea offers important lessons for how we live our lives, select our leaders, run our companies, and think about our world.

    In contrast, the 2011 revision suggested that 9.1 billion would be achieved much earlier, maybe by 2050 or before, and by 2100 there would be 10.1 billion of us. What's more, they implied that global human population might still be slightly rising in our total numbers a century from now. So what shall we do? Are there too many people on the planet? Is this the end of life as we know it?Distinguished geographer Professor Danny Dorling thinks we should not worry so much and that, whatever impending doom may be around the corner, we will deal with it when it comes. In a series of fascinating chapters he charts the rise of the human race from its origins to its end-point of population 10 billion. Thus he shows that while it took until about 1988 to reach 5 billion we reached 6 billion by 2000, 7 billion eleven years later and will reach 8 billion by 2025.By recording how we got here, Dorling is able to show us the key issues that we face in the coming decades: how we will deal with scarcity of resources; how our cities will grow and become more female; why the change that we should really prepare for is the population decline that will occur after 10 billion.Population 10 Billion is a major work by one of the world's leading geographers and will change the way you think about the future. Packed full of counter-intuitive ideas and observations, this book is a tool kit to prepare for the future and to help us ask the right questions

    He shows us waitresses making lightning-fast calculations, carpenters handling complex spatial mathematics, and hairdressers, plumbers, and electricians with their aesthetic and diagnostic acumen. Rose, an educator who is himself the son of a waitress, explores the intellectual repertory of everyday workers and the terrible social cost of undervaluing the work they do. Deftly combining research, interviews, and personal history, this is one of those rare books that has the capacity both to shape public policy and to illuminate general readers.

    The Darker Nations traces the intellectual origins and the political history of the twentieth century attempt to knit together the world’s impoverished countries in opposition to the United States and Soviet spheres of influence in the decades following World War II.Spanning every continent of the global South, Vijay Prashad’s fascinating narrative takes us from the birth of postcolonial nations after World War II to the downfall and corruption of nationalist regimes. A breakthrough book of cutting-edge scholarship, it includes vivid portraits of Third World giants like India’s Nehru, Egypt’s Nasser, and Indonesia’s Sukarno—as well as scores of extraordinary but now–forgotten intellectuals, artists, and freedom fighters. The Darker Nations restores to memory the vibrant though flawed idea of the Third World, whose demise, Prashad ultimately argues, has produced a much impoverished international political arena.

    In 2000, Chertavian dedicated his life to closing that divide and Year Up was born.Year Up is an intensive program that offers low income young adults training, mentorship, internships, and ultimately real jobs—often with Fortune 500 companies. 85 percent of program graduates are employed or in full-time college within four months of graduation. Today, Year Up serves more than 1,300 students in nine cities across the nation.Following a Year Up class from admissions through graduation, A Year Up lets students share—in their own words—the challenges, failures, and personal successes they’ve experienced during their program year. This deeply moving and inspirational story also explains Chertavian’s philosophy and the program’s genesis, offering a road map for real change in our country and a beacon for young adults who want the opportunity to enter the economic mainstream.