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Author: Paul Terhorst
Publisher: Bantam
ISBN:
Category : Business & Economics
Languages : en
Pages : 248
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Book Description
A brilliant and practical five year plan for all who dream of retiring while they're young and healthy enough to enjoy it. Provides clear advice on how to overcome the personal, financial and psychological obstacles.
Author: Paul Terhorst
Publisher: Bantam
ISBN:
Category : Business & Economics
Languages : en
Pages : 248
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Book Description
A brilliant and practical five year plan for all who dream of retiring while they're young and healthy enough to enjoy it. Provides clear advice on how to overcome the personal, financial and psychological obstacles.
Author: Lendol Calder
Publisher: Princeton University Press
ISBN: 1400822831
Category : History
Languages : en
Pages : 394
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Book Description
Once there was a golden age of American thrift, when citizens lived sensibly within their means and worked hard to stay out of debt. The growing availability of credit in this century, however, has brought those days to an end--undermining traditional moral virtues such as prudence, diligence, and the delay of gratification while encouraging reckless consumerism. Or so we commonly believe. In this engaging and thought-provoking book, Lendol Calder shows that this conception of the past is in fact a myth. Calder presents the first book-length social and cultural history of the rise of consumer credit in America. He focuses on the years between 1890 and 1940, when the legal, institutional, and moral bases of today's consumer credit were established, and in an epilogue takes the story up to the present. He draws on a wide variety of sources--including personal diaries and letters, government and business records, newspapers, advertisements, movies, and the words of such figures as Benjamin Franklin, Mark Twain, and P. T. Barnum--to show that debt has always been with us. He vigorously challenges the idea that consumer credit has eroded traditional values. Instead, he argues, monthly payments have imposed strict, externally reinforced disciplines on consumers, making the culture of consumption less a playground for hedonists than an extension of what Max Weber called the "iron cage" of disciplined rationality and hard work. Throughout, Calder keeps in clear view the human face of credit relations. He re-creates the Dickensian world of nineteenth-century pawnbrokers, takes us into the dingy backstairs offices of loan sharks, into small-town shops and New York department stores, and explains who resorted to which types of credit and why. He also traces the evolving moral status of consumer credit, showing how it changed from a widespread but morally dubious practice into an almost universal and generally accepted practice by World War II. Combining clear, rigorous arguments with a colorful, narrative style, Financing the American Dream will attract a wide range of academic and general readers and change how we understand one of the most important and overlooked aspects of American social and economic life.
Author: Karen G. Mills
Publisher: Springer
ISBN: 3030036200
Category : Business & Economics
Languages : en
Pages : 202
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Book Description
Small businesses are the backbone of the U.S. economy. They are the biggest job creators and offer a path to the American Dream. But for many, it is difficult to get the capital they need to operate and succeed. In the Great Recession, access to capital for small businesses froze, and in the aftermath, many community banks shuttered their doors and other lenders that had weathered the storm turned to more profitable avenues. For years after the financial crisis, the outlook for many small businesses was bleak. But then a new dawn of financial technology, or “fintech,” emerged. Beginning in 2010, new fintech entrepreneurs recognized the gaps in the small business lending market and revolutionized the customer experience for small business owners. Instead of Xeroxing a pile of paperwork and waiting weeks for an answer, small businesses filled out applications online and heard back within hours, sometimes even minutes. Banks scrambled to catch up. Technology companies like Amazon, PayPal, and Square entered the market, and new possibilities for even more transformative products and services began to appear. In Fintech, Small Business & the American Dream, former U.S. Small Business Administrator and Senior Fellow at Harvard Business School, Karen G. Mills, focuses on the needs of small businesses for capital and how technology will transform the small business lending market. This is a market that has been plagued by frictions: it is hard for a lender to figure out which small businesses are creditworthy, and borrowers often don’t know how much money or what kind of loan they need. New streams of data have the power to illuminate the opaque nature of a small business’s finances, making it easier for them to weather bumpy cash flows and providing more transparency to potential lenders. Mills charts how fintech has changed and will continue to change small business lending, and how financial innovation and wise regulation can restore a path to the American Dream. An ambitious book grappling with the broad significance of small business to the economy, the historical role of credit markets, the dynamics of innovation cycles, and the policy implications for regulation, Fintech, Small Business & the American Dream is relevant to bankers, fintech investors, and regulators; in fact, to anyone who is interested in the future of small business in America.
Author: Bill Clevlen
Publisher: Reedy Press LLC
ISBN: 1681062755
Category : Biography & Autobiography
Languages : en
Pages : 286
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Book Description
From a can of Dr. Pepper, to the iconic sounds of Motown hits like Marvin Gaye, Diana Ross, and The Temptations, each of these uniquely American emblems began as a dream. From humble beginnings and against insurmountable odds, our culture pervasively clings to the notion that given equal opportunities, anyone can achieve the success of their wildest imagination. It’s the dream that has empowered countless entertainers, leaders, inventors, and historical figures to become and create to the best of their ability, and that still inspires us today. Travel journalist and author Bill Clevlen opens up the topic in Finding the American Dream, chapter by chapter, one dreamer at a time. Be guided to the place were they began their journey, as if you were traveling there yourself. Stand inside the small rural house were Johnny Cash grew up after the Great Depression. Explore the bottling plant where Dr. Pepper became America’s first nationally sold soft drink. Discover the very first Kentucky Fried Chicken restaurant where 65 year-old Harland Sanders started a billion-dollar franchise. A flip through these pages will prove that the American Dream is not dead. The inspiring stories contained within demonstrate that anyone can still achieve greatness through hard work, determination, and of course, a little bit of luck.
Author: Noam Chomsky
Publisher: Seven Stories Press
ISBN: 1609807375
Category : Political Science
Languages : en
Pages : 170
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Book Description
A NEW YORK TIMES BESTSELLER! In his first major book on the subject of income inequality, Noam Chomsky skewers the fundamental tenets of neoliberalism and casts a clear, cold, patient eye on the economic facts of life. What are the ten principles of concentration of wealth and power at work in America today? They're simple enough: reduce democracy, shape ideology, redesign the economy, shift the burden onto the poor and middle classes, attack the solidarity of the people, let special interests run the regulators, engineer election results, use fear and the power of the state to keep the rabble in line, manufacture consent, marginalize the population. In Requiem for the American Dream, Chomsky devotes a chapter to each of these ten principles, and adds readings from some of the core texts that have influenced his thinking to bolster his argument. To create Requiem for the American Dream, Chomsky and his editors, the filmmakers Peter Hutchison, Kelly Nyks, and Jared P. Scott, spent countless hours together over the course of five years, from 2011 to 2016. After the release of the film version, Chomsky and the editors returned to the many hours of tape and transcript and created a document that included three times as much text as was used in the film. The book that has resulted is nonetheless arguably the most succinct and tightly woven of Chomsky's long career, a beautiful vessel--including old-fashioned ligatures in the typeface--in which to carry Chomsky's bold and uncompromising vision, his perspective on the economic reality and its impact on our political and moral well-being as a nation. "During the Great Depression, which I'm old enough to remember, it was bad–much worse subjectively than today. But there was a sense that we'll get out of this somehow, an expectation that things were going to get better . . ." —from Requiem for the American Dream
Author: Robert Ringer
Publisher: John Wiley & Sons
ISBN: 0470893354
Category : Business & Economics
Languages : en
Pages : 258
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Book Description
Completely updated edition of one of the classic works of conservative literature Long before the advent of conservative talk radio and Fox News, Robert Ringer was an outspoken advocate for the cause of freedom and free enterprise. In this classic work–updated for the 21st century–Ringer’s basic premise is that liberty must be given a higher priority than all other objectives. The economic and political calamity that he warned about in the late seventies is now upon us, and his new edition of Restoring the American Dream is sure to resonate with the feelings of today’s angry voters. In his book, Ringer explains that: • The American Dream is not about increased government benefits and government-created “rights,” but, rather, about individualism, self responsibility, and freedom–including the freedom to succeed or fail on one’s own • The barbarians are not at the gates; they are already inside • Ordinary citizens no longer tell their elected officials what to do. Rather, government tells them what to do–and backs it up with force • The desire of people to band together to bring about quick, short term solutions to their problems through government intervention has perpetuated a cycle that has nearly destroyed the American Dream With Washington continuing to expand government power and spending at a record pace, Restoring the American Dream is a voice of sanity in a world gone mad.
Author: Jason DeParle
Publisher: Penguin
ISBN: 1440649170
Category : Political Science
Languages : en
Pages : 433
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Book Description
In this definitive work, two-time Pulitzer finalist Jason DeParle, author of A Good Provider Is One Who Leaves, cuts between the mean streets of Milwaukee and the corridors of Washington to produce a masterpiece of literary journalism. At the heart of the story are three cousins whose different lives follow similar trajectories. Leaving welfare, Angie puts her heart in her work. Jewell bets on an imprisoned man. Opal guards a tragic secret that threatens her kids and her life. DeParle traces their family history back six generations to slavery and weaves poor people, politicians, reformers, and rogues into a spellbinding epic. With a vivid sense of humanity, DeParle demonstrates that although we live in a country where anyone can make it, generation after generation some families don’t. To read American Dream is to understand why.
Author: Julissa Arce
Publisher: Center Street
ISBN: 1455540250
Category : Biography & Autobiography
Languages : en
Pages : 286
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Book Description
A National Bestseller! What does an undocumented immigrant look like? What kind of family must she come from? How could she get into this country? What is the true price she must pay to remain in the United States? JULISSA ARCE knows firsthand that the most common, preconceived answers to those questions are sometimes far too simple-and often just plain wrong. On the surface, Arce's story reads like a how-to manual for achieving the American dream: growing up in an apartment on the outskirts of San Antonio, she worked tirelessly, achieved academic excellence, and landed a coveted job on Wall Street, complete with a six-figure salary. The level of professional and financial success that she achieved was the very definition of the American dream. But in this brave new memoir, Arce digs deep to reveal the physical, financial, and emotional costs of the stunning secret that she, like many other high-achieving, successful individuals in the United States, had been forced to keep not only from her bosses, but even from her closest friends. From the time she was brought to this country by her hardworking parents as a child, Arce-the scholarship winner, the honors college graduate, the young woman who climbed the ladder to become a vice president at Goldman Sachs-had secretly lived as an undocumented immigrant. In this surprising, at times heart-wrenching, but always inspirational personal story of struggle, grief, and ultimate redemption, Arce takes readers deep into the little-understood world of a generation of undocumented immigrants in the United States today- people who live next door, sit in your classrooms, work in the same office, and may very well be your boss. By opening up about the story of her successes, her heartbreaks, and her long-fought journey to emerge from the shadows and become an American citizen, Arce shows us the true cost of achieving the American dream-from the perspective of a woman who had to scale unseen and unimaginable walls to get there.
Author: Donald L. Barlett
Publisher: Public Affairs
ISBN: 1586489690
Category : Social Science
Languages : en
Pages : 322
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Book Description
Examines the formidable challenges facing the middle class, calling for fundamental changes while surveying the extent of the problem and identifying the people and agencies most responsible.
Author: Mark Robert Rank PhD
Publisher: Oxford University Press
ISBN: 0199703302
Category : Social Science
Languages : en
Pages : 234
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Book Description
The United States has been epitomized as a land of opportunity, where hard work and skill can bring personal success and economic well-being. The American Dream has captured the imagination of people from all walks of life, and to many, it represents the heart and soul of the country. But there is another, darker side to the bargain that America strikes with its people -- it is the price we pay for our individual pursuit of the American Dream. That price can be found in the economic hardship present in the lives of millions of Americans. In Chasing the American Dream, leading social scientists Mark Robert Rank, Thomas A. Hirschl, and Kirk A. Foster provide a new and innovative look into a curious dynamic -- the tension between the promise of economic opportunities and rewards and the amount of turmoil that Americans encounter in their quest for those rewards. The authors explore questions such as: -What percentage of Americans achieve affluence, and how much income mobility do we actually have? -Are most Americans able to own a home, and at what age? -How is it that nearly 80 percent of us will experience significant economic insecurity at some point between ages 25 and 60? -How can access to the American Dream be increased? Combining personal interviews with dozens of Americans and a longitudinal study covering 40 years of income data, the authors tell the story of the American Dream and reveal a number of surprises. The risk of economic vulnerability has increased substantially over the past four decades, and the American Dream is becoming harder to reach and harder to keep. Yet for most Americans, the Dream lies not in wealth, but in economic security, pursuing one's passions, and looking toward the future. Chasing the American Dream provides us with a new understanding into the dynamics that shape our fortunes and a deeper insight into the importance of the American Dream for the future of the country.
