Pound Foolish: Exposing the Dark Side of the Personal Finance Industry
Helaine Olen - 2012
There’s just one problem: those and many similar statements are false. For the past few decades, Americans have spent billions of dollars on personal finance products. As salaries have stagnated and companies have cut back on benefits, we’ve taken matters into our own hands, embracing the can-do attitude that if we’re smart enough, we can overcome even daunting financial obstacles. But that’s not true. In this meticulously reported and shocking book, journalist and former financial columnist Helaine Olen goes behind the curtain of the personal finance industry to expose the myths, contradictions, and outright lies it has perpetuated. She shows how an industry that started as a response to the Great Depression morphed into a behemoth that thrives by selling us products and services that offer little if any help. Olen calls out some of the biggest names in the business, revealing how even the most respected gurus have engaged in dubious, even deceitful, practices—from accepting payments from banks and corporations in exchange for promoting certain products to blaming the victims of economic catastrophe for their own financial misfortune. Pound Foolish also disproves many myths about spending and saving, including:Small pleasures can bankrupt you: Gurus popularized the idea that cutting out lattes and other small expenditures could make us millionaires. But reducing our caffeine consumption will not offset our biggest expenses: housing, education, health care, and retirement.Disciplined investing will make you rich: Gurus also love to show how steady investing can turn modest savings into a huge nest egg at retirement. But these calculations assume a healthy market and a lifetime without any setbacks—two conditions that have no connection to the real world.Women need extra help managing money: Product pushers often target women, whose alleged financial ignorance supposedly leaves them especially at risk. In reality, women and men are both terrible at handling finances.Financial literacy classes will prevent future economic crises: Experts like to claim mandatory sessions on personal finance in school will cure many of our money ills. Not only is there little evidence this is true, the entire movement is largely funded and promoted by the financial services sector. Weaving together original reporting, interviews with experts, and studies from disciplines ranging from behavioral economics to retirement planning, Pound Foolish is a compassionate and compelling book that will change the way we think and talk about our money.
The Undocumented Americans
Karla Cornejo Villavicencio - 2020
It was right after the election of 2016, the day she realized the story she'd tried to steer clear of was the only one she wanted to tell. So she wrote her immigration lawyer's phone number on her hand in Sharpie and embarked on a trip across the country to tell the stories of her fellow undocumented immigrants--and to find the hidden key to her own.Looking beyond the flashpoints of the border or the activism of the DREAMers, Cornejo Villavicencio explores the lives of the undocumented--and the mysteries of her own life. She finds the nation of singular, effervescent characters often reduced in the media to political pawns or nameless laborers. The stories she tells are not deferential or naively inspirational but show the love, magic, heartbreak, insanity, and vulgarity that infuse the day-to-day lives of her subjects.In New York, we meet the undocumented workers who were recruited into the federally funded Ground Zero cleanup after 9/11. In Miami, we enter the ubiquitous botanicas, which offer medicinal herbs and potions to those whose status blocks them from any other healthcare options. In Flint, Michigan, we learn of demands for state ID in order to receive life-saving clean water. In Connecticut, Cornejo Villavicencio, childless by choice, finds family in two teenage girls whose father is in sanctuary. And through it all we see the author grappling with the biggest questions of love, duty, family, and survival.In her incandescent, relentlessly probing voice, Cornejo Villavicencio combines sensitive reporting and powerful personal narratives to bring to light remarkable stories of resilience, madness, and death. Through these stories we come to understand what it truly means to be a stray. An expendable. A hero. An American.
Bachelor Nation: Inside the World of America's Favorite Guilty Pleasure
Amy Kaufman - 2018
Since it premiered in 2002, the show's popularity and relevance has only grown--more than eight million viewers tuned in to see the conclusion of the most recent season of The Bachelor.The iconic reality television show's reach and influence into the cultural zeitgeist is undeniable. Bestselling writers and famous actors live tweet about it. Die-hard fans--dubbed "Bachelor Nation"--come together every week during each season to participate in fantasy leagues and viewing parties. Bachelor Nation is the first behind-the-scenes, unauthorized look into the reality television phenomenon. Los Angeles Times journalist Amy Kaufman is a proud member of Bachelor Nation and has a long history with the franchise--ABC even banned her from attending show events after her coverage of the program got a little too real for its liking. She has interviewed dozens of producers, contestants, and celebrity fans to give readers never-before-told details of the show's inner workings: what it's like to be trapped in the mansion "bubble"; dark, juicy tales of producer manipulation; and revelations about the alcohol-fueled debauchery that occurs long before the fantasy suite. Kaufman also explores what our fascination means, culturally: what the show says about the way we view so-called ideal suitors, our subconscious yearning for fairy-tale romance, and how this enduring television show has shaped society's feelings about love, marriage, and feminism by appealing to a marriage plot that's as old as Jane Austen.
You Are a Badass: How to Stop Doubting Your Greatness and Start Living an Awesome Life
Jen Sincero - 2013
If you're ready to make some serious changes around here, You Are a Badass will help you: Identify and change the self-sabotaging beliefs and behaviors that stop you from getting what you want, blast past your fears so you can take big exciting risks, figure out how to make some damn money already, learn to love yourself and others, set big goals and reach them - it will basically show you how to create a life you totally love, and how to create it now.By the end of You Are a Badass, you'll understand why you are how you are, how to love what you can't change, how to change what you don't love, and how to use The Force to kick some serious ass.
Elastic Habits: How to Create Smarter Habits That Adapt to Your Day
Stephen Guise - 2019
Inevitably, we fail when “life happens,” because each day we try to hit the same targets regardless of the situations we face. How, then, can we make our habits more resilient to the turbulence of life?
By making them elastic.
Most people associate “elastic” with yoga pants and rubber bands. But the word also means “resilient”—the ability to withstand pressure. Elastic materials are far more durable than rigid and brittle ones, which will shatter under pressure. The same is true for habits.A traditional habit is unchanging: the same behavior is done at the same time to the same level every day. It works well until the pressures of modern life break its rigid and brittle shell. Elastic habits are fluid: they can change their form and intensity to suit each unique day. They survive busy, tired, bad days. They thrive in better days.
Adapt Your Habits to Survive Threats
Nature shows us that biological and behavioral adaptation to one’s environment is the key to survival for all living things:
The most resilient bacteria mutate to survive the threat of antibiotics (to our dismay).
Chameleons, octopi, and cuttlefish actively change their color to avoid predators and capture prey.
Birds migrate, while bears, bats, and chipmunks hibernate to survive winter.
Camels use fat stored in their humps for hydration and energy when food and water are scarce in harsh, arid lands.
Living things adapt in many more ways to survive the threats of disease, violence, and natural disasters. Good habits, too, need to survive the turbulence of life so they can benefit us for years, not just days or weeks. With the simple and intuitive Elastic Habits framework, your elastic habits can instantly shrink themselves into an easy win when a difficult or busy day threatens to ruin your habit streak.Elastic habits are the adaptation masters of the habit kingdom. They always find a way to survive, making them virtually unbreakable. Downward flexibility keeps habits safe, but as with animals, adaptation isn’t only for survival.
Adapt Your Habits and Thrive
Elastic habits can expand, adding significant upward potential to your life. On any day, you can increase your challenge for a bigger win and reward, so you will never feel held back. Upward flexibility maximizes your potential and keeps you excited about your progress.Elastic habits even have a middle option, a happy medium between two extremes, for “ordinary” days. The up-and-down adaptation of an elastic habit is known as vertical flexibility. There’s also lateral flexibility—the ability to choose from multiple behaviors within a central theme.A standard habit has one win condition. An elastic habit has nine. If traditional habits are a hammer, elastic habits are your grandfather’s garage. When you’re working on a house project, it’s not a burden to have a hammer, a wrench, and a screwdriver—you just select the one you need when you need it. Elastic habits are the same.
Indianapolis: The True Story of the Worst Sea Disaster in U.S. Naval History and the Fifty-Year Fight to Exonerate an Innocent Man
Lynn Vincent - 2018
The ship is instantly transformed into a fiery cauldron and sinks within minutes. Some 300 men go down with the ship. Nearly 900 make it into the water alive. For the next five nights and four days, almost three hundred miles from the nearest land, the men battle injuries, sharks, dehydration, insanity, and eventually each other. Only 316 will survive. For the better part of a century, the story of USS Indianapolis has been understood as a sinking tale. The reality, however, is far more complicated—and compelling. Now, for the first time, thanks to a decade of original research and interviews with 107 survivors and eyewitnesses, Lynn Vincent and Sara Vladic tell the complete story of the ship, her crew, and their final mission to save one of their own. It begins in 1932, when Indianapolis is christened and launched as the ship of state for President Franklin Roosevelt. After Pearl Harbor, Indianapolis leads the charge to the Pacific Islands, notching an unbroken string of victories in an uncharted theater of war. Then, under orders from President Harry Truman, the ship takes aboard a superspy and embarks on her final world-changing mission: delivering the core of the atomic bomb to the Pacific for the strike on Hiroshima. Vincent and Vladic provide a visceral, moment-by-moment account of the disaster that unfolds days later after the Japanese torpedo attack, from the chaos on board the sinking ship to the first moments of shock as the crew plunge into the remote waters of the Philippine Sea, to the long days and nights during which terror and hunger morph into delusion and desperation, and the men must band together to survive. Then, for the first time, the authors go beyond the men’s rescue to chronicle Indianapolis’s extraordinary final mission: the survivors’ fifty-year fight for justice on behalf of their skipper, Captain Charles McVay III, who is wrongly court-martialed for the sinking. What follows is a captivating courtroom drama that weaves through generations of American presidents, from Harry Truman to George W. Bush, and forever entwines the lives of three captains—McVay, whose life and career are never the same after the scandal; Mochitsura Hashimoto, the Japanese sub commander who sinks Indianapolis but later joins the battle to exonerate McVay; and William Toti, the captain of the modern-day submarine Indianapolis, who helps the survivors fight to vindicate their captain. A sweeping saga of survival, sacrifice, justice, and love, Indianapolis stands as both groundbreaking naval history and spellbinding narrative—and brings the ship and her heroic crew back to full, vivid, unforgettable life. It is the definitive account of one of the most remarkable episodes in American history.
The Real Anthony Fauci: Bill Gates, Big Pharma, and the Global War on Democracy and Public Health
Robert F. Kennedy Jr. - 2021
Anthony Fauci is a hero. He is anything but. As director of the National Institute of Allergy and Infectious Diseases (NIAID), Dr. Anthony Fauci dispenses $6.1 billion in annual taxpayer-provided funding for scientific research, allowing him to dictate the subject, content, and outcome of scientific health research across the globe. Fauci uses the financial clout at his disposal to wield extraordinary influence over hospitals, universities, journals, and thousands of influential doctors and scientists—whose careers and institutions he has the power to ruin, advance, or reward. During more than a year of painstaking and meticulous research, Robert F. Kennedy Jr. unearthed a shocking story that obliterates media spin on Dr. Fauci . . . and that will alarm every American—Democrat or Republican—who cares about democracy, our Constitution, and the future of our children’s health. The Real Anthony Fauci reveals how “America’s Doctor” launched his career during the early AIDS crisis by partnering with pharmaceutical companies to sabotage safe and effective off-patent therapeutic treatments for AIDS. Fauci orchestrated fraudulent studies, and then pressured US Food and Drug Administration (FDA) regulators into approving a deadly chemotherapy treatment he had good reason to know was worthless against AIDS. Fauci repeatedly violated federal laws to allow his Pharma partners to use impoverished and dark-skinned children as lab rats in deadly experiments with toxic AIDS and cancer chemotherapies. In early 2000, Fauci shook hands with Bill Gates in the library of Gates’ $147 million Seattle mansion, cementing a partnership that would aim to control an increasingly profitable $60 billion global vaccine enterprise with unlimited growth potential. Through funding leverage and carefully cultivated personal relationships with heads of state and leading media and social media institutions, the Pharma-Fauci-Gates alliance exercises dominion over global health policy. The Real Anthony Fauci details how Fauci, Gates, and their cohorts use their control of media outlets, scientific journals, key government and quasi-governmental agencies, global intelligence agencies, and influential scientists and physicians to flood the public with fearful propaganda about COVID-19 virulence and pathogenesis, and to muzzle debate and ruthlessly censor dissent.
The Great Pretender: The Undercover Mission That Changed Our Understanding of Madness
Susannah Cahalan - 2019
Forced to remain inside until they'd "proven" themselves sane, all eight emerged with alarming diagnoses and even more troubling stories of their treatment. Rosenhan's study broke open the field of psychiatry, closing down institutions and changing mental health diagnosis forever. But, as Cahalan's new research shows, very little in this saga is exactly as it seems. What really happened behind those closed asylum doors, and what does it mean for our understanding of mental illness today?
The Survivors Club: The Secrets and Science That Could Save Your Life
Ben Sherwood - 2009
The Survivors Club: The Secrets and Science that Could Save Your Life
Running to the Edge: A Band of Misfits and the Guru Who Unlocked the Secrets of Speed
Matthew Futterman - 2019
. . the narrative is smooth and immediate, almost effortless in its detail, if occasionally breathless, like a good fast run . . ." --The New York Times Book Review Visionary American running coach Bob Larsen assembled a mismatched team of elite California runners . . . the start of his decades-long quest for championships, Olympic glory, and pursuit of "the epic run."In the dusty hills above San Diego, Bob Larsen became America's greatest running coach. Starting with a ragtag group of high school cross country and track runners, Larsen set out on a decades-long quest to find the secret of running impossibly fast, for longer distances than anyone thought possible. Himself a former farm boy who fell into his track career by accident, Larsen worked through coaching high school, junior college, and college, coaxing talented runners away from more traditional sports as the running craze was in its infancy in the 60's and 70's. On the arid trails and windy roads of California, Larsen relentlessly sought the 'secret sauce' of speed and endurance that would catapult American running onto the national stage. Running to the Edge is a riveting account of Larsen's journey, and his quest to discover the unorthodox training secrets that would lead American runners (elite and recreational) to breakthroughs never imagined. New York Times Deputy Sports Editor Matthew Futterman interweaves the dramatic stories of Larsen's runners with a fascinating discourse of the science behind human running, as well as a personal running narrative that follows Futterman's own checkered love-affair with the sport. The result is a narrative that will speak to every runner, a story of Larsen's triumphs--from high school cross-country meets to the founding of the cult-favorite 70's running group, the Jamul Toads, from national championships to his long tenure as head coach at UCLA, and from the secret training regimen of world champion athletes like Larsen's prot�g�, American Meb Keflezighi, to victories at the New York and Boston Marathons as well as the Olympics. Running to the Edge is a page-turner . . . a relentless crusade to run faster, farther.
Tiny Habits: The Small Changes That Change Everything
B.J. Fogg - 2019
Start with two pushups a day, not a two-hour workout; or five deep breaths each morning rather than an hour of meditation. In Tiny Habits, B.J. Fogg brings his experience coaching more than 40,000 people to help you lose weight, de-stress, sleep better, or achieve any goal of your choice. You just need Fogg’s behavior formula: make it easy, make it fit your life, and make it rewarding. Whenever you get in your car, take one yoga breath. Smile. Whenever you get in bed, turn off your phone. Give yourself a high five. Change can be easy—once it starts, it grows. Let B.J. Fogg show you exactly how.
The Greatest Beer Run Ever: A Memoir of Friendship, Loyalty, and War
John "Chick" Donohue - 2017
You will laugh and cry, but you will not be sorry that you read this rollicking story.”—Malachy McCourtSoon to be a major motion picture written and directed by Peter Farrelly, who won two Academy Awards for Green Book—a wildly entertaining, feel-good memoir of an Irish-American New Yorker and former U.S. marine who embarked on a courageous, hare-brained scheme to deliver beer to his pals serving Vietnam in the late 1960s.One night in 1967, twenty-six-year-old John Donohue—known as Chick—was out with friends, drinking in a New York City bar. The friends gathered there had lost loved ones in Vietnam. Now, they watched as anti-war protesters turned on the troops themselves.One neighborhood patriot came up with an inspired—some would call it insane—idea. Someone should sneak into Vietnam, track down their buddies there, give them messages of support from back home, and share a few laughs over a can of beer.It would be the Greatest Beer Run Ever.But who’d be crazy enough to do it?One man was up for the challenge—a U. S. Marine Corps veteran turned merchant mariner who wasn’t about to desert his buddies on the front lines when they needed him.Chick volunteered.A day later, he was on a cargo ship headed to Vietnam, armed with Irish luck and a backpack full of alcohol. Landing in Qui Nho’n, Chick set off on an adventure that would change his life forever—an odyssey that took him through a series of hilarious escapades and harrowing close calls, including the Tet Offensive. But none of that mattered if he could bring some cheer to his pals and show them how much the folks back home appreciated them.This is the story of that epic beer run, told in Chick’s own words and those of the men he visited in Vietnam.
The Sum of Us: What Racism Costs Everyone and How We Can Prosper Together
Heather McGhee - 2021
From the financial crisis to rising student debt to collapsing public infrastructure, she found a common root problem: racism. But not just in the most obvious indignities for people of color. Racism has costs for white people, too. It is the common denominator of our most vexing public problems, the core dysfunction of our democracy and constitutive of the spiritual and moral crises that grip us all. But how did this happen? And is there a way out?McGhee embarks on a deeply personal journey across the country from Maine to Mississippi to California, tallying what we lose when we buy into the zero-sum paradigm--the idea that progress for some of us must come at the expense of others. Along the way, she meets white people who confide in her about losing their homes, their dreams, and their shot at better jobs to the toxic mix of American racism and greed. This is the story of how public goods in this country--from parks and pools to functioning schools--have become private luxuries; of how unions collapsed, wages stagnated, and inequality increased; and of how this country, unique among the world's advanced economies, has thwarted universal healthcare.But in unlikely places of worship and work, McGhee finds proof of what she calls the Solidarity Dividend: gains that come when people come together across race, to accomplish what we simply can't do on our own.McGhee marshals economic and sociological research to paint a story of racism's costs, but at the heart of the book are the humble stories of people yearning to be part of a better America, including white supremacy's collateral victims: white people themselves. With startling empathy, this heartfelt message from a Black woman to a multiracial America leaves us with a new vision for a future in which we finally realize that life can be more than a zero-sum game.
Those Who Wander: America’s Lost Street Kids
Vivian Ho - 2019
But they also shed light on a more complex issue. The killers were three drifters scrounging for a living among a burgeoning counterculture population. Soon this community of runaways and transients became vulnerable scapegoats of a modern witch hunt. The supposedly progressive residents of San Francisco’s Haight-Ashbury, only two generations removed from the Summer of Love, now feared all of society’s outcasts as threats.In Those Who Wander, Vivian Ho delves deep into a rising subculture that’s changing the very fabric of her city and all of urban America. Moving beyond the disheartening statistics, she gives voices to these young people—victims of abuse, failed foster care, mental illness, and drug addiction. She also doesn’t ignore the threat they pose to themselves and to others as a dangerous dark side emerges. With alarming urgency, she asks what can be done to save the next generation of America’s vagabond youth.
The Mosquito: A Human History of Our Deadliest Predator
Timothy C. Winegard - 2019
As the mosquito transformed the landscapes of civilization, humans were unwittingly required to respond to its piercing impact and universal projection of power.The mosquito has determined the fates of empires and nations, razed and crippled economies, and decided the outcome of pivotal wars, killing nearly half of humanity along the way. She (only females bite) has dispatched an estimated 52 billion people from a total of 108 billion throughout our relatively brief existence. As the greatest purveyor of extermination we have ever known, she has played a greater role in shaping our human story than any other living thing with which we share our global village.Imagine for a moment a world without deadly mosquitoes, or any mosquitoes, for that matter? Our history and the world we know, or think we know, would be completely unrecognizable.Driven by surprising insights and fast-paced storytelling, The Mosquito is the extraordinary untold story of the mosquito's reign through human history and her indelible impact on our modern world order.