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.

    In Homo Deus, he looked to our future. Now, one of the most innovative thinkers on the planet turns to the present to make sense of today's most pressing issues.How do computers and robots change the meaning of being human? How do we deal with the epidemic of fake news? Are nations and religions still relevant? What should we teach our children?Yuval Noah Harari's 21 Lessons for the 21st Century is a probing and visionary investigation into today's most urgent issues as we move into the uncharted territory of the future. As technology advances faster than our understanding of it, hacking becomes a tactic of war, and the world feels more polarized than ever, Harari addresses the challenge of navigating life in the face of constant and disorienting change and raises the important questions we need to ask ourselves in order to survive.In twenty-one accessible chapters that are both provocative and profound, Harari builds on the ideas explored in his previous books, untangling political, technological, social, and existential issues and offering advice on how to prepare for a very different future from the world we now live in: How can we retain freedom of choice when Big Data is watching us? What will the future workforce look like, and how should we ready ourselves for it? How should we deal with the threat of terrorism? Why is liberal democracy in crisis?Harari's unique ability to make sense of where we have come from and where we are going has captured the imaginations of millions of readers. Here he invites us to consider values, meaning, and personal engagement in a world full of noise and uncertainty. When we are deluged with irrelevant information, clarity is power. Presenting complex contemporary challenges clearly and accessibly, 21 Lessons for the 21st Century is essential reading.

    Progressives claimed they knew how to solve homelessness, inequality, and crime. But in cities they control, progressives made those problems worse.Michael Shellenberger has lived in the San Francisco Bay Area for thirty years. During that time, he advocated for the decriminalization of drugs, affordable housing, and alternatives to jail and prison. But as homeless encampments spread, and overdose deaths skyrocketed, Shellenberger decided to take a closer look at the problem.What he discovered shocked him. The problems had grown worse not despite but because of progressive policies. San Francisco and other West Coast cities -- Los Angeles, Seattle, Portland -- had gone beyond merely tolerating homelessness, drug dealing, and crime to actively enabling them.San Fransicko reveals that the underlying problem isn't a lack of housing or money for social programs. The real problem is an ideology that designates some people, by identity or experience, as victims entitled to destructive behaviors. The result is an undermining of the values that make cities, and civilization itself, possible.

    When he learned how to see again, he didn't want anyone's pity. People shouldn't feel sorry for him, he decided, and they shouldn't feel sorry for themselves either. Most people's everyday challenges aren't as extreme as surviving combat or working to regain their sight, but that's just Crenshaw's point: If we can meet life's toughest challenges without resenting our luck or complaining, minor daily obstacles aren't worth our outrage. "Microaggressions" and "triggers" from mere words mean little to someone who's had bullets fly by their head. That's Crenshaw's simple lesson in FORTITUDE: Lighten up, toughen up, and get to work on what's important (hint: it's not giving into a culture of outrage, playing the victim, and seeking an apology).FORTITUDE is a no-nonsense advice book for a society desperately in need of tough love. With meditations on perseverance, failure, and finding much-needed heroes, the book is the antidote for a prevailing "safety culture" of trigger warnings and safe spaces. Interspersed with lessons and advice is Crenshaw's own story of how an average American kid from the Houston suburbs has faced all sorts of unexpected situations -- from war zones to the halls of Congress -- and managed to navigate them all with a few simple tricks: a sense of humor and an even greater sense that, no matter what anyone else around us says or does, we are in control of our own destiny.