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Author: Devin Fergus
Publisher: Oxford University Press
ISBN: 0199970173
Category : Business & Economics
Languages : en
Pages : 265
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Book Description
The loans ordinary Americans take out to purchase homes and attend college often leave them in a sea of debt. As Devin Fergus explains in Land of the Fee, a not-insignificant portion of that debt comes in the form of predatory hidden fees attached to everyday transactions. Beginning in the 1980s, lobbyists for the financial industry helped dismantle consumer protections, resulting in surreptitious fees-often waived for those who can afford them but not for those who can't. Bluntly put, these hidden fees unfairly keep millions of Americans from their hard-earned money. Journalists and policymakers have identified the primary causes of increasing wealth inequality-fewer good working class jobs, a rise in finance-driven speculative capitalism, and a surge of tax policy decisions that benefit the ultra-rich, among others. However, they miss one commonplace but substantial contributor to the widening divide between the rich and the rest: the explosion of fees on every transaction people make in their daily lives. Land of the Fee traces the system of fees from its origins in the deregulatory wave of the late 1970s to the present. The average consumer now pays a dizzying array of charges for mortgage contracts, banking transactions, auto insurance rates, college payments, and payday loans. These fees are buried in the pages of small-print agreements that few consumers read or understand. Because these fees do not fall under usury laws, they have redistributed wealth to large corporations and their largest shareholders. By exposing this predatory and nearly invisible system of fees, Land of the Fee reshapes our understanding of wealth inequality in America.
Author: Devin Fergus
Publisher: Oxford University Press
ISBN: 0199970173
Category : Business & Economics
Languages : en
Pages : 265
Get Book Here
Book Description
The loans ordinary Americans take out to purchase homes and attend college often leave them in a sea of debt. As Devin Fergus explains in Land of the Fee, a not-insignificant portion of that debt comes in the form of predatory hidden fees attached to everyday transactions. Beginning in the 1980s, lobbyists for the financial industry helped dismantle consumer protections, resulting in surreptitious fees-often waived for those who can afford them but not for those who can't. Bluntly put, these hidden fees unfairly keep millions of Americans from their hard-earned money. Journalists and policymakers have identified the primary causes of increasing wealth inequality-fewer good working class jobs, a rise in finance-driven speculative capitalism, and a surge of tax policy decisions that benefit the ultra-rich, among others. However, they miss one commonplace but substantial contributor to the widening divide between the rich and the rest: the explosion of fees on every transaction people make in their daily lives. Land of the Fee traces the system of fees from its origins in the deregulatory wave of the late 1970s to the present. The average consumer now pays a dizzying array of charges for mortgage contracts, banking transactions, auto insurance rates, college payments, and payday loans. These fees are buried in the pages of small-print agreements that few consumers read or understand. Because these fees do not fall under usury laws, they have redistributed wealth to large corporations and their largest shareholders. By exposing this predatory and nearly invisible system of fees, Land of the Fee reshapes our understanding of wealth inequality in America.
Author: Ridley Pearson
Publisher: Macmillan
ISBN: 9780312929596
Category : Fiction
Languages : en
Pages : 388
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Book Description
It's the boldest, most satisfying Ridley Pearson novel ever-the one that confirms his status as today's most powerful thriller writer! No one writes heartpounding suspense like Ridley Pearson. In Undercurrents, his taut, edge-of-the-seat plot gripped you from the start and didn't release you until the sharp, thrilling conclusion. In Probable Cause, he brought you to a whole new level of hard-edged excitement. Now he turns it up another notch, in Hidden Charges. In this "complex tale of greed, power and passion" (Indianapolis News), a shopper's paradise becomes a city under siege-held hostage by a madman armed with the skills and the weapons of a trained soldier, and possessed with an uncontrollable lust for vengeance, destruction...and death.
Author: Thomas M. Shapiro
Publisher:
ISBN: 9780195181388
Category : Business & Economics
Languages : en
Pages : 260
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Book Description
Shapiro, the author of "Black Wealth/White Wealth," blends personal stories, interviews, empirical data, and analysis to illuminate how family assets produce dramatic consequences in the everyday lives of ordinary citizens.
Author: Deepak Unnikrishnan
Publisher: Restless Books
ISBN: 1632061449
Category : Fiction
Languages : en
Pages : 208
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Book Description
Winner of the Restless Books Prize for New Immigrant Writing "Guest workers of the United Arab Emirates embody multiple worlds and identities and long for home in a fantastical debut work of fiction, winner of the inaugural Restless Books Prize for New Immigrant Writing.… The author's crisp, imaginative prose packs a punch, and his whimsical depiction of characters who oscillate between two lands on either side of the Arabian Sea unspools the kind of immigrant narratives that are rarely told. An enchanting, unparalleled anthem of displacement and repatriation." —Kirkus Reviews, starred review In the United Arab Emirates, foreign nationals constitute over 80 percent of the population. Brought in to construct and serve the towering monuments to wealth that punctuate the skylines of Abu Dhabi and Dubai, this labor force is not given the option of citizenship. Some ride their luck to good fortune. Others suffer different fates. Until now, the humanitarian crisis of the so-called “guest workers” of the Gulf has barely been addressed in fiction. With his stunning, mind-altering debut novel Temporary People, Deepak Unnikrishnan delves into their histories, myths, struggles, and triumphs. Combining the linguistic invention of Salman Rushdie and the satirical vision of George Saunders, Unnikrishnan presents twenty-eight linked stories that careen from construction workers who shapeshift into luggage and escape a labor camp, to a woman who stitches back together the bodies of those who’ve fallen from buildings in progress, to a man who grows ideal workers designed to live twelve years and then perish—until they don’t, and found a rebel community in the desert. With this polyphony of voices, Unnikrishnan maps a new, unruly global English and gives personhood back to the anonymous workers of the Gulf. "Guest workers of the United Arab Emirates embody multiple worlds and identities and long for home in a fantastical debut work of fiction, winner of the inaugural Restless Books Prize for New Immigrant Writing.… The author's crisp, imaginative prose packs a punch, and his whimsical depiction of characters who oscillate between two lands on either side of the Arabian Sea unspools the kind of immigrant narratives that are rarely told. An enchanting, unparalleled anthem of displacement and repatriation." —Kirkus Reviews, Starred Review "Inventive, vigorously empathetic, and brimming with a sparkling, mordant humor, Deepak Unnikrishnan has written a book of Ovidian metamorphoses for our precarious time. These absurdist fables, fluent in the language of exile, immigration, and bureaucracy, will remind you of the raw pleasure of storytelling and the unsettling nearness of the future." —Alexandra Kleeman, author of You Too Can Have a Body Like Mine “Inaugural winner of the Restless Books Prize for New Immigrant Writing, this debut novel employs its own brand of magical realism to propel readers into an understanding and appreciation of the experience of foreign workers in the Arab Gulf States (and beyond). Through a series of almost 30 loosely linked sections, grouped into three parts, we are thrust into a narrative alternating between visceral realism and fantastic satire.... The alternation between satirical fantasy, depicting such things as intelligent cockroaches and evil elevators, and poignant realism, with regards to necessarily illicit sexuality, forms a contrast that gives rise to a broad critique of the plight of those known euphemistically as ‘guest workers.’ VERDICT: This first novel challenges readers with a singular inventiveness expressed through a lyrical use of language and a laserlike focus that is at once charming and terrifying. Highly recommended.” —Henry Bankhead, Library Journal, Starred Review “Unnikrishnan’s debut novel shines a light on a little known world with compassion and keen insight. The Temporary People are invisible people—but Unnikrishnan brings them to us with compassion, intelligence, and heart. This is why novels matter.” —Susan Hans O’Connor, Penguin Bookshop (Sewickley, PA) “Deepak Unnikrishnan uses linguistic pyrotechnics to tell the story of forced transience in the Arabian Peninsula, where citizenship can never be earned no matter the commitment of blood, sweat, years of life, or brains. The accoutrements of migration—languages, body parts, passports, losses, wounds, communities of strangers—are packed and carried along with ordinary luggage, blurring the real and the unreal with exquisite skill. Unnikrishnan sets before us a feast of absurdity that captures the cruel realities around the borders we cross either by choice or by force. In doing so he has found what most writers miss: the sweet spot between simmering rage at a set of circumstances, and the circumstances themselves.” —Ru Freeman, author of On Sal Mal Lane “Deepak writes brilliant stories with a fresh, passionate energy. Every page feels as if it must have been written, as if the author had no choice. He writes about exile, immigration, deportation, security checks, rage, patience, about the homelessness of living in a foreign land, about historical events so strange that, under his hand, the events become tales, and he writes tales so precisely that they read like history. Important work. Work of the future. This man will not be stopped.” —Deb Olin Unferth, author of Revolution “From the strange Kafka-esque scenarios to the wholly original language, this book is amazing on so many different levels. Unlike anything I've ever read, Temporary People is a powerful work of short stories about foreign nationals who populate the new economy in the United Arab Emirates. With inventive language and darkly satirical plot lines, Unnikrishnan provides an important view of relentless nature of a global economy and its brutal consequences for human lives. Prepare to be wowed by the immensely talented new voice.” —Hilary Gustafson, Literati Bookstore (Ann Arbor, MI) “Absolutely preposterous! As a debut, author Unnikrishnan shares stories of laborers, brought to the United Arab Emirates to do menial and everyday jobs. These people have no rights, no fallback if they have problems or health issues in that land. The laborers in Temporary People are sewn back together when they fall, are abandoned in the desert if they become inconvenient, and are even grown from seeds. As a collection of short stories, this is fantastical, imaginative, funny, and even more so, scary, powerful, and ferocious.” —Becky Milner, Vintage Books (Vancouver WA)
Author: Jo Becker
Publisher:
ISBN: 9781623135676
Category : Business logistics
Languages : en
Pages : 97
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Book Description
I. Introduction -- II. Existing standards - and why they are not enough -- III. How jewelry companies can source responsibly -- IV. Company rankings and performance -- V. A call to action: next steps fro the jewelry industry -- Acknowledgments -- Annex.
Author: Jody David Armour
Publisher: NYU Press
ISBN: 0814706703
Category : History
Languages : en
Pages : 217
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Book Description
Tackling the ugly secret of unconscious racism in American society, this book provides specific solutions to counter this entrenched phenomenon.
Author: Dan Ariely
Publisher: Simon and Schuster
ISBN: 1501120050
Category : Psychology
Languages : en
Pages : 128
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Book Description
Bestselling author Dan Ariely reveals fascinating new insights into motivation—showing that the subject is far more complex than we ever imagined. Every day we work hard to motivate ourselves, the people we live with, the people who work for and do business with us. In this way, much of what we do can be defined as being “motivators.” From the boardroom to the living room, our role as motivators is complex, and the more we try to motivate partners and children, friends and coworkers, the clearer it becomes that the story of motivation is far more intricate and fascinating than we’ve assumed. Payoff investigates the true nature of motivation, our partial blindness to the way it works, and how we can bridge this gap. With studies that range from Intel to a kindergarten classroom, Ariely digs deep to find the root of motivation—how it works and how we can use this knowledge to approach important choices in our own lives. Along the way, he explores intriguing questions such as: Can giving employees bonuses harm productivity? Why is trust so crucial for successful motivation? What are our misconceptions about how to value our work? How does your sense of your mortality impact your motivation?
Author: David D. Friedman
Publisher: HarperCollins Publishers
ISBN:
Category : Business & Economics
Languages : en
Pages : 360
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Book Description
David Friedman has never taken an economics class in his life. Sure, he's taught economics at UCLA. Chicago, Tulane, Cornell, and Santa Clara, but don't hold that against him. After all, everyone's an economist. We all make daily decisions that rely, consciously or not, on an acute understanding of economic theory--from picking the fastest checkout tine at the supermarket to voting or not voting, from negotiating the best job offer to finding the right person to marry. Hidden Order is an essential guide to rational living, revealing all you need to know to get through each day without being eaten alive. Friedman's wise and immensely accessible book is perfect for amateur economists, struggling economics students, young parents and professionals--just about anyone who wants a clear-cut approach to why we make the choices we do and a sensible strategy for how to make the right ones.
Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309133203
Category : Medical
Languages : en
Pages : 212
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Book Description
Hidden Cost, Value Lost, the fifth of a series of six books on the consequences of uninsurance in the United States, illustrates some of the economic and social losses to the country of maintaining so many people without health insurance. The book explores the potential economic and societal benefits that could be realized if everyone had health insurance on a continuous basis, as people over age 65 currently do with Medicare. Hidden Costs, Value Lost concludes that the estimated benefits across society in health years of life gained by providing the uninsured with the kind and amount of health services that the insured use, are likely greater than the additional social costs of doing so. The potential economic value to be gained in better health outcomes from uninterrupted coverage for all Americans is estimated to be between $65 and $130 billion each year.
Author: Donald Shoup
Publisher: Routledge
ISBN: 1351178679
Category : Architecture
Languages : en
Pages : 752
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Book Description
Off-street parking requirements are devastating American cities. So says the author in this no-holds-barred treatise on the way parking should be. Free parking, the author argues, has contributed to auto dependence, rapid urban sprawl, extravagant energy use, and a host of other problems. Planners mandate free parking to alleviate congestion, but end up distorting transportation choices, debasing urban design, damaging the economy, and degrading the environment. Ubiquitous free parking helps explain why our cities sprawl on a scale fit more for cars than for people, and why American motor vehicles now consume one-eighth of the world's total oil production. But it doesn't have to be this way. The author proposes new ways for cities to regulate parking, namely, charge fair market prices for curb parking, use the resulting revenue to pay for services in the neighborhoods that generate it, and remove zoning requirements for off-street parking.
