This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings.Offers practical advice for dealing with the changes to Canada's retirement system Includes advice for calculating your Neutral Retirement Income Target Contains solid financial advice in accessible language Written by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm The Real Retirement offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.

    These trafficked sex slaves form the backbone of one of the world's most profitable illicit enterprises and generate huge profits for their exploiters, for unlike narcotics, which must be grown, harvested, refined, and packaged, sex slaves require no such "processing," and can be repeatedly "consumed."Kara first encountered the horrors of slavery in a Bosnian refugee camp in 1995. Subsequently, in the first journey of its kind, he traveled across four continents to investigate these crimes and take stock of their devastating human toll. Kara made several trips to India, Nepal, Burma, Thailand, Laos, Vietnam, the United Kingdom, Italy, the Netherlands, Denmark, Albania, Moldova, Mexico, and the United States. He witnessed firsthand the sale of human beings into slavery, interviewed over four hundred slaves, and confronted some of those who trafficked and exploited them.In this book, Kara provides a riveting account of his journey into this unconscionable industry, sharing the moving stories of its victims and revealing the shocking conditions of their exploitation. He draws on his background in finance, economics, and law to provide the first ever business analysis of contemporary slavery worldwide, focusing on its most profitable and barbaric form: sex trafficking. Kara describes the local factors and global economic forces that gave rise to this and other forms of modern slavery over the past two decades and quantifies, for the first time, the size, growth, and profitability of each industry. Finally, he identifies the sectors of the sex trafficking industry that would be hardest hit by specifically designed interventions and recommends the specific legal, tactical, and policy measures that would target these vulnerable sectors and help to abolish this form of slavery, once and for all.The author will donate a portion of the proceeds of this book to the anti-slavery organization, Free the Slaves.

    Freedom, Sen argues, is both the end and most efficient means of sustaining economic life and the key to securing the general welfare of the world's entire population. Releasing the idea of individual freedom from association with any particular historical, intellectual, political, or religious tradition, Sen clearly demonstrates its current applicability and possibilities. In the new global economy, where, despite unprecedented increases in overall opulence, the contemporary world denies elementary freedoms to vast numbers—perhaps even the majority of people—he concludes, it is still possible to practically and optimistically regain a sense of social accountability. Development as Freedom is essential reading.

    A key work in establishing political ideology as a major concern of modern American historians, it remains the only full-scale evaluation of the ideas of the early Republican party. Now with a new introduction, Eric Foner puts his argument into the context of contemporary scholarship, reassessing the concept of free labor in the light of the last twenty-five years of writing on such issues as work, gender, economic change, and political thought. A significant reevaluation of the causes of the Civil War, Foner's study looks beyond the North's opposition to slavery and its emphasis upon preserving the Union to determine the broader grounds of its willingness to undertake a war against the South in 1861. Its search is for those social concepts the North accepted as vital to its way of life, finding these concepts most clearly expressed in the ideology of the growing Republican party in the decade before the war's start. Through a careful analysis of the attitudes of leading factions in the party's formation (northern Whigs, former Democrats, and political abolitionists) Foner is able to show what each contributed to Republican ideology. He also shows how northern ideas of human rights--in particular a man's right to work where and how he wanted, and to accumulate property in his own name--and the goals of American society were implicit in that ideology. This was the ideology that permeated the North in the period directly before the Civil War, led to the election of Abraham Lincoln, and led, almost immediately, to the Civil War itself. At the heart of the controversy over the extension of slavery, he argues, is the issue of whether the northern or southern form of society would take root in the West, whose development would determine the nation's destiny. In his new introductory essay, Foner presents a greatly altered view of the subject. Only entrepreneurs and farmers were actually "free men" in the sense used in the ideology of the period. Actually, by the time the Civil War was initiated, half the workers in the North were wage-earners, not independent workers. And this did not account for women and blacks, who had little freedom in choosing what work they did. He goes onto show that even after the Civil War these guarantees for "free soil, free labor, free men" did not really apply for most Americans, and especially not for blacks. Demonstrating the profoundly successful fusion of value and interest within Republican ideology prior to the Civil War, Free Soil, Free Labor, Free Men remains a classic of modern American historical writing. Eloquent and influential, it shows how this ideology provided the moral consensus which allowed the North, for the first time in history, to mobilize an entire society in modern warfare.

    The term stuck, and soon began its long and consequential history.In this sweeping account, Mitchell Duneier traces the idea of the ghetto from its beginnings in the sixteenth century and its revival by the Nazis to the present day. We meet pioneering black thinkers such as Horace Cayton, a graduate student whose work on the South Side of Chicago established a new paradigm for thinking about Northern racism and black poverty in the 1940s. We learn how the psychologist Kenneth Clark subsequently linked the slum conditions in Harlem with black powerlessness in the civil rights era, and we follow the controversy over Daniel Patrick Moynihan’s report on the black family. We see how the sociologist William Julius Wilson refocused the debate on urban America as the country retreated from racially specific remedies, and how the education reformer Geoffrey Canada sought to transform the lives of inner-city children in the ghetto.By expertly resurrecting the history of the ghetto from Venice to the present, Duneier’s Ghetto provides a remarkable new understanding of an age-old concept. He concludes that if we are to understand today’s ghettos, the Jewish and black ghettos of the past should not be forgotten.

    Kevin Bales's disturbing story of contemporary slavery reaches from Pakistan's brick kilns and Thailand's brothels to various multinational corporations. His investigations reveal how the tragic emergence of a "new slavery" is inextricably linked to the global economy. This completely revised edition includes a new preface.All of the author's royalties from this book go to fund antislavery projects around the world.

    This interesting volume describes the struggles following the Civil War to decide how to deal with the newly freed slaves, through the years of Reconstruction, Jim Crow, sharecropping, and segregation.

    In the world that is taking shape, the unique combination of Canada's success at home as a diverse society and its reputation internationally as a sympathetic and respected partner consititute national assets that are at least as valuable as its natural resource wealth. As the world becomes more competitive and complex, and the chances of deadly conflict grow, the example and the initiative of Canada can become more important than they have ever been. That depends on its people: assets have no value if Canadians don't recognize or use them, or worse, if they waste them. A more effective Canada is not only a benefit to itself, but to its friends and neighbours. And in this compelling examination of what it as a nation has been, what it has become and what it can yet be to the world, Joe Clark takes the reader beyond formal foreign policy and looks at the contributions and leadership offered by Canada's most successful individuals and organizations who are already putting these uniquely Canadian assets to work internationally.

    Based on extensive research amongst both migrants who sell sex and social helpers, Sex at the Margins provides a radical analysis. Frequently, says Agustín, migrants make rational choices to travel and work in the sex industry. Although they are treated as a marginalised group, they form part of the dynamic global economy.Both powerful and controversial, this book is essential reading for all those who want to understand the increasingly important relationship between sex markets, migration and the desire for social justice.-from the back cover

    The levels of inequality in the world today are on a scale that have not been seen in our lifetimes, yet the disparity between rich and poor has ramifications that extend far beyond mere financial means. In The Broken Ladder psychologist Keith Payne examines how inequality divides us not just economically; it also has profound consequences for how we think, how we respond to stress, how our immune systems function, and even how we view moral concepts such as justice and fairness.Research in psychology, neuroscience, and behavioral economics has not only revealed important new insights into how inequality changes people in predictable ways but also provided a corrective to the flawed view of poverty as being the result of individual character failings. Among modern developed societies, inequality is not primarily a matter of the actual amount of money people have. It is, rather, people's sense of where they stand in relation to others. Feeling poor matters--not just being poor. Regardless of their average incomes, countries or states with greater levels of income inequality have much higher rates of all the social maladies we associate with poverty, including lower than average life expectancies, serious health problems, mental illness, and crime.The Broken Ladder explores such issues as why women in poor societies often have more children, and why they have them at a younger age; why there is little trust among the working class in the prudence of investing for the future; why people's perception of their social status affects their political beliefs and leads to greater political divisions; how poverty raises stress levels as effectively as actual physical threats; how inequality in the workplace affects performance; and why unequal societies tend to become more religious. Understanding how inequality shapes our world can help us better understand what drives ideological divides, why high inequality makes the middle class feel left behind, and how to disconnect from the endless treadmill of social comparison.

    Global warming and associated climate change exists - but the role of humans in that change is entirely debatable. A little-known aspect of modern climate science is that the warming of the global atmosphere-ocean system over the last 100 years, even if entirely human-caused, has progressed at a rate that reduces the threat of future warming by 50% compared to the climate model projections. To the extent warming is partly natural (a possibility even the IPCC acknowledges), the future threat is reduced even further. This, by itself, should be part of the debate over energy policy – but it isn’t. Why? The news media, politicians, bureaucrats, rent-seekers, government funding agencies, and a “scientific-technological elite” (as President Eisenhower called it) have collaborated to spread what amounts to fake climate news. Exaggerated climate claims appear on a daily basis, sucking the air out of more reasoned discussions of the scientific evidence which are too boring for a populace increasingly addicted to climate change porn. Upon close examination it is found that the "97% of climate scientists agree" meme is inaccurate, misleading, and useless for decision-making; human causation of warming is simply assumed by the vast majority of climate researchers. In contrast to what many have been taught, there have been no obvious changes in severe weather, including hurricanes, tornadoes, droughts or floods. Despite an active 2018 wildfire season, there has actually been a long-term decrease in wildfire activity, although that will change if forest management practices are not implemented. Proxy evidence of past temperature and Arctic sea ice changes suggest warming and sea ice decline over the last 50 years or so is not out of the ordinary, and partly or even mostly natural. The Antarctic ice sheet isn't collapsing, but remains stable. The human component of sea level rise is shown to be, at most, only 1 inch per 30 years (25% of the observed rate of rise); and the latest evidence is that more CO2 dissolved in ocean water will be good for marine life, not harmful. Admittedly, continued emissions of CO2 from fossil fuel burning can be expected to cause (and probably has caused) some of our recent warming. But the Paris Agreement, even if extended through the end of the 21st Century, will have no measurable effect on global temperatures because the governments of the world realize humanity will depend upon fossil fuels for decades to come. Despite news reports and politicians' proclamations, international agreements to reduce CO2 emissions are all economic pain for no observable climate gain. What government-mandated reliance on expensive and impractical energy sources will do is increase energy poverty, and poverty kills. This downside to illusory efforts to “Save the Earth” is already being experienced in the UK and elsewhere. If people are genuinely concerned about humanity thriving, they must reject global warming alarmism. In terms of environmental regulation, the end result of the U.S. EPA's Endangerment Finding will be reduced prosperity for all, and climate gain for none. The good news is that there is no global warming crisis, and this book will inform citizens and help guide governments toward decisions which benefit the most people while doing the least harm.

    He made headlines during his tenure as governor for supporting school vouchers, a freeze on all taxes, real cuts in government agency funding and the decriminalization of marijuana. In 2012, he is running for President of the United States on the Libertarian Party ticket. He will be campaigning aggressively through the fall in all 50 states.

    Picking up a harmonica and eventually a battered guitar, Guthrie finds solace in the ancient lineage of folksong. Hayes charts the musician’s course from Oklahoma and Texas towns ravaged by dust and the Depression to boxcars, factory farms, and the migrant camps of California, highlighting Guthrie’s dedication to singing American folk tunes and creating his own modern classics along the way. Hayes ends his portrait in 1940, at the pivotal time when Guthrie makes his way to New York and writes “This Land Is Your Land,” his iconic anthem tinged with both clear-eyed reality and optimism.

    It is the deeply personal account of one man driven to extreme action by the unwillingness of those in power to stop mass murder. It explores what empowers a man like Mukesh Kapila to stand up and be counted, and to act alone in the face of global indifference and venality.Kapila’s story reads like a knife-edge international thriller as he risks all to use the powers at his disposal to bring to justice those responsible for the first mass murder of the twenty-first century: the Darfur genocide.

    Until his surprise election as leader of the Labour Party in 2015, this seemingly unelectable oddball had not been a major political player. Since then, Corbyn has survived coup attempts and accusations of incompetence that would have felled most politicians, including grave charges of anti-Semitism, bullying and not being the master of his brief. Despite these shortcomings, as the Conservatives rip themselves apart over Europe, he is likely soon to become Britain's prime minister. Yet this hero of the far left has done his best to conceal much of his past and personal life from public scrutiny. In this book, best-selling investigative biographer Tom Bower reveals hidden truths about Corbyn's character, the causes and organisations he espouses, and Britain's likely fate under the Marxist-Trotskyist society he has championed since the early 1970s. Based on eyewitness accounts from those who have known Corbyn throughout his life, the book asks whether a Labour government led by Corbyn would transform the country for the better. Has capitalism, as he argues, run its course, and would our lives be improved by socialism? If so, what is Corbyn's brand of socialism? The same as that experienced under successive Labour governments since 1945, or something more extreme? Will his advocacy of more debt, tax hikes and renationalisation reproduce the fate of Venezuela as championed by his own hero Hugo Chávez? Is he a reformer or a revolutionary? Will he deliver a glowing new era or catastrophe? His supporters damn every opponent and critic, calling them 'traitors' or worse. Does this aggression, and the accusations that paint Corbyn as an entrenched anti-Semite and misogynist, override his image as an authentic 'good bloke'? Many are excited by the prospect of Corbyn’s arrival in Downing Street. Others believe that Corbyn as prime minister will prove to be a dangerous hero.