Fault Lines: How Hidden Fractures Still Threaten the World Economy (New in Paper)
Fault Lines: How Hidden Fractures Still Threaten the World Economy (New in Paper)
Raghuram Rajan was one of the few economists who warned of the global financial crisis before it hit. Now, as the world struggles to recover, it’s tempting to blame what happened on just a few greedy bankers who took irrational risks and left the rest of us to foot the bill. In Fault Lines, Rajan argues that serious flaws in the economy are also to blame, and warns that a potentially more devastating crisis awaits us if they aren’t fixed.
Rajan shows how the individual choices that collectively brought about the economic meltdown–made by bankers, government officials, and ordinary homeowners–were rational responses to a flawed global financial order in which the incentives to take on risk are incredibly out of step with the dangers those risks pose. He traces the deepening fault lines in a world overly dependent on the indebted American consumer to power global economic growth and stave off global downturns. He exposes a system where America’s growing inequality and thin social safety net create tremendous political pressure to encourage easy credit and keep job creation robust, no matter what the consequences to the economy’s long-term health; and where the U.S. financial sector, with its skewed incentives, is the critical but unstable link between an overstimulated America and an underconsuming world.
In Fault Lines, Rajan demonstrates how unequal access to education and health care in the United States puts us all in deeper financial peril, even as the economic choices of countries like Germany, Japan, and China place an undue burden on America to get its policies right. He outlines the hard choices we need to make to ensure a more stable world economy and restore lasting prosperity.
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Basic Economics: A Common Sense Guide to the Economy
Basic Economics: A Common Sense Guide to the Economy
The fourth edition of Basic Economics is both expanded and updated. A new chapter on the history of economics itself has been added, and the implications of that history examined. A new section on the special role of corporations in the economy has been added to the chapter on government and big business, among other additions throughout the book.Basic Economics, which has now been translated into six languages, has grown so much that a large amount of material in the back of the book in previous editions has now been put online instead, so the book itself and its price will not have to expand. The central idea of Basic Economics, however, remains the same: that the fundamental facts and principles of economics do not require jargon, graphs, or equations, and can be learned in a relaxed and even enjoyable way.
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Categories: Loan Products Tags: Basic, Basic Economics, Common, Economics, Economy, Guide, large, Price, Sense
Making the Most of Your Money Now: The Classic Bestseller Completely Revised for the New Economy Reviews
Making the Most of Your Money Now: The Classic Bestseller Completely Revised for the New Economy
Consumers Union named Making the Most of Your Money the best personal finance book on the market. Now Jane Bryant Quinn’s bestseller has been completely revised and updated for 2010 and beyond. America’s most trusted financial adviser, who helped millions of readers meet their goals in the 1990s, has done it again — providing a guide to financial recovery, independence, and success in the new economy.
Getting your financial life on track and keeping it there — nothing is more important to your family and you. This proven, comprehensive guidebook steers you around the risks and helps you make smart and profitable decisions at every stage of your life. Are you single, married, or divorced? A parent with a paycheck or a parent at home? Getting your first job or well along in your career? Helping your kids in college or your parents in their older age? Planning for retirement? Already retired and worried about how to make your money last? You’ll find ideas to help you build your financial security here.
Jane Bryant Quinn answers more questions more completely than any other personal-finance author on the market today. You’ll reach for this book again and again as your life changes and new financial decisions arise. Here are just a few of the important subjects she examines:
• Setting priorities during and after a financial setback, and bouncing back
• Getting the most out of a bank while avoiding fees
• Credit card and debit card secrets that will save you money
• Family matters — talking money before marriage and mediating claims during divorce
• Cutting the cost of student debt, and finding schools that will offer big “merit” scholarships to your child
• The simplest ways of pulling yourself out of debt
• Why it’s so important to jump on the automatic-savings bandwagon
• Buying a house, selling one, or trying to rent your home when buyers aren’t around
• Why credit scores are more important than ever, plus tips on keeping yours in the range most attractive to lenders
• Investing made easy — mutual funds that are tailor-made for your future retirement
• What every investor needs to know about building wealth
• How an “investment policy” helps you make wise decisions in any market
• The essential tax-deferred retirement plans, from 401(k)s to Individual Retirement Accounts — and how to manage them
• How to invest in real estate at a bargain price (and how to spot something that looks like a bargain but isn’t)
• Eleven ways of keeping a steady income while you’re retired, even after a stock market crash
• Financial planning — what it means, how you do it, and where to find good planners
Page by page, Quinn leads you through the pros and cons of every decision, to help you make the choice that will suit you best. This is the single personal-finance book that no family should be without.
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Categories: Loan Products Tags: Bestseller, Classic, completely, Economy, home, life, Making, money, most, Price, Reviews, Revised
Broken Markets: A User’s Guide to the Post-Finance Economy
Broken Markets: A User’s Guide to the Post-Finance Economy
“I would sleep better if I knew that Bernanke, Geithner, Bachus, Sen. Tim Johnson, Obama and Romney all kept dog-eared copies of Kevin Mellyn’s Broken Markets on their nightstands. . . . Mellyn’s work is a fascinating, important, and eminently good read and should inform the debate on overhauling the U.S. and global financial regulatory systems and sustainable macro fiscal and monetary policy.”
–Eric Grover, in his review of Broken Markets in The American Banker
Broken Markets allows the intelligent non-specialist to understand and navigate the ongoing worldwide aftermath of the 2008 financial market meltdown. The key theme of the book is how the leading financial institutions and the political leadership of the U.S. and European Union have failed us and set the stage for continued market turmoil. It explains what this means for investors, borrowers, society in general, and the financial-services industry. Former banker Kevin Mellyn focuses on providing readers with clear and simple explanations of the forces at work and the potential consequences for their future prosperity.
As this book makes clear, what’s coming is a world in which high structural unemployment and flat or declining real income is likely—not to mention a diminished retirement financial safety net. The book therefore provides actionable information for protecting wealth and making prudent investment decisions in an economy that is nothing like the one that has sustained us for decades.
As a forward-looking narrative about rapidly changing events and volatile markets and politics, Broken Markets will provide no single prediction about the future but rather describe alternative scenarios and provide the reader with signposts to watch out for in deciding which reality is actually unfolding. Unlike most books written by journalists on global finance, the scenarios and signposts described will be largely based on the lessons of financial and political history rather than breaking news. This book:
- Tells you in plain language how today’s financial system threatens your livelihood and wealth
- Tells you why and how governments worldwide, with some notable exceptions, are taking actions likely to make things worse instead of better
- Explains how the leading financial institutions lost their way during the bubble years and how they can find the path back to prosperity and value to society
- Tells you what life will be like in a “post-finance” economy and how you can protect your wealth
What you’ll learn
After reading Broken Markets, you will:
- Understand how governments and financial leaders made poor decisions and the consequences in both the short and long term
- “Connect the dots” between seemingly unconnected market developments
- Understand how global finance really influences your livelihood
- Evaluate professional investment advice critically
- Make an independent, informed evaluation of competing economic and political policies
- Develop a long-term financial game plan for a “post-finance” world
- Impress your friends and family with your financial savvy
Who this book is for
Broken Markets is for people who have savings and investments, watch the business news, read the Wall Street Journal or Financial Times at least occasionally, and just want to make sense of the post-2008 crisis world while taking steps to protect their hard-won wealth. It is not intended for financial professionals, though it will strike a chord there. Mostly it is for the sensible, educated man and woman looking for straight talk and clarity. It is also a good choice for students and young people just starting their careers since it teaches them things their teachers (and often their employers) never told them. Above all, it is a good choice for anyone who likes to be informed, provoked into re-examining beliefs and assumptions, and entertained by sharp-edged writing.
Table of Contents
Introduction
Chapter 1: The Rise and Fall of the Finance-Driven Economy
Chapter 2: Banking, Regulation, and Financial Crises
Chapter 3: Economic Consequences of Regulation
Chapter 4: Life after Finance
Chapter 5: Global Whirlwinds
Chapter 6: The Consumer in the World After Finance
Chapter 7: The Reconstruction of Finance
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Categories: Loan Products Tags: Broken, Economy, Guide, Markets, PostFinance, User's
Money and Credit: A Sociological Approach (PESS – Polity Economy and Society Series)
Money and Credit: A Sociological Approach (PESS – Polity Economy and Society Series)
This book offers a fresh and uniquely sociological perspective on money and credit. As basic economic institutions, money and credit are easy to overlook when they work well. When they malfunction, as they did in the new millennium’s global financial crisis, their importance becomes obvious and demands further investigation.
Bruce Carruthers and Laura Ariovich examine the social dimensions of money and credit at both the individual and corporate levels, from the development of personal credit and a consumer society, to the role of government in the creation of money. In clear prose, they illustrate how the overall future of the economy is governed by the financial system and the flow of capital into, and out of, firms operating in particular industrial sectors, as well as the social meanings money itself acquires and the ways people distinguish between “dirty” and “clean” money.
This accessible and engaging book will be essential reading for upper-level students of economic sociology, and those interested in how the bills, coins and plastic in our pockets shape the world we live in.
List Price: $ 24.95
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Categories: Loan Products Tags: Approach, Credit, Economy, money, PESS, Polity, series, Society, Sociological
Debt-Free Living: Eliminating Debt in a New Economy
Debt-Free Living: Eliminating Debt in a New Economy
So much has changed . . . and yet, so much is exactly the same. Debt-Free Living has sold more than 300,000 copies in the two decades since Larry Burkett first laid down the challenge to live debt-free lives. And now, on the heels of the debt-fueled debacle that was 2008-2009, we need this message now, more than ever.With people’s credit, mortgages, car payments, salaries, commissions, and bills fluctuating daily, Debt-Free Living has never looked more attractive. This bestselling book has been updated and revised to reflect today’s realities alongside timeless biblical truth. Learn about the origin of most financial troubles and break out of the debt cycle. Debt-Free Living is a necessary resource to battle the ever-present temptation and trappings of more and more debt that keep weighing you down.
List Price: $ 14.99
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Categories: Loan Products Tags: Debt, DebtFree, Economy, Eliminating, Living
Shortchanged: Life and Debt in the Fringe Economy (Bk Currents)
Shortchanged: Life and Debt in the Fringe Economy (Bk Currents)
“Shortchanged” takes an uncompromising look at the corporate vultures that prey on America’s working class. Made up of pawnshops, payday lenders, check cashiers, credit card companies and the like, the fringe economy entices vulnerable consumers into an economic netherworld of high interest rates and ever-increasing debt. The book examines the factors behind the fringe economy’s rise — stagnant wages, rising numbers of working poor, and the 12 million U.S. households without bank accounts — and investigates the sleazy practices — instant credit, cash-for-your-title loans, predatory mortgage lending, E-Z home equity loans — that result in phenomenal growth for the industry and a nightmare for the consumer. Powerful analysis is combined with moving personal stories of the mothers, fathers, and families whose lives have been put on the line for the perpetuation of this economy. Ruthless, compelling, outrageous, and often enraging, “Shortchanged” puts the spotlight on the shady side of America’s economic underbelly.
List Price: $ 24.95
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Categories: Loan Products Tags: Currents, Debt, Economy, Fringe, life, Shortchanged