Career & Money

The global financial crisis of 2008 ushered in a system of informal decision-making in the grey zone between economics and politics. Legitimized by a rhetoric of emergency, ad hoc bodies have usurped democratically elected governments. In line with the neoliberal credo, the recent crisis has been used to realize the politically impossible and to re-align executive power with the interests of the finance industry. In this important book, Joseph Vogl offers a much longer perspective on these developments, showing how the dynamics of modern finance capitalism have always rested on a complex and constantly evolving relationship between private creditors and the state. Combining historical and theoretical analysis, Vogl argues that over the last three centuries, finance has become a "fourth estate," marked by the systematic interconnection of treasury and finance, of political and private economic interests. Against this historical background, Vogl explores the latest phase in the financialization of government, namely the dramatic transfer of power from states to markets in the latter half of the 20th century. From the liberalization of credit and capital markets to the privatization of social security, he shows how policy has actively enabled a restructuring of the economy around the financial sector. Political systems are "imprisoned" by the regime of finance, while the corporate model suffuses society, enclosing populations in the production of financial capital. The Ascendancy of Finance provides valuable and unsettling insight into the genesis of modern power and where it truly resides.

In the 1970s and following on from the deposition of Salvador Allende, the Chilean dictatorship of Augusto Pinochet installed a radical political and economic system by force which lent heavy privilege to free market capitalism, reduced the power of the state to its minimum and actively suppressed civil society. Chicago economist Milton Friedman was heavily involved in developing this model, and it would be hard to think of a clearer case where ideology has shaped a country over such a long period. That ideology is still very much with us today and has come to be defined as neoliberalism. This book charts the process as it developed in the Chilean capital Santiago and involves a series of case studies and reflections on the city as a neoliberal construct. The variegated, technocratic and post-authoritarian aspects of the neoliberal turn in Chile serve as a cultural and political milieu. Through the work of urban scholars, architects, activists and artists, a cacophony of voices assemble to illustrate the existing neoliberal urbanism of Santiago and its irreducible tension between polis and civitas in the specific context of omnipresent neoliberalism. Chapters explore multiple aspects of the neoliberal delirium of Santiago: observing the antagonists of this scheme; reviewing the insurgent emergence of alternative and contested practices; and suggesting ways forward in a potential post-neoliberal city. Refusing an essentialist call, Neoliberalism and Urban Development in Latin America offers an alternative understanding of the urban conditions of Santiago. It will be essential reading to students of urban development, neoliberalism and urban theory, and well as architects, urban planners, geographers, anthropologists, economists, philosophers and sociologists.

Every startup wants to change the world. But the ones who truly make an impact know something the others don't: how to make government and regulation work for them. As startups use technology to shape the way we live, work, and learn, they're taking on challenges in sectors like healthcare, infrastructure, and education, where failure is far more consequential than a humorous chat with Siri or the wrong package on your doorstep. These startups inevitably have to face governments responsible for protecting citizens through regulation. Love it or hate it, we're entering the next era of the digital revolution: the Regulatory Era. The big winners in this era--in terms of both impact and financial return--will need skills they won't teach you in business school or most startup incubators: how to scale a business in an industry deeply intertwined with government. Here, for the first time, is the playbook on how to win the regulatory era. "Regulatory hacking" doesn't mean "cutting through red tape"; it's really about finding a creative, strategic approach to navigating complex markets. Evan Burfield is the cofounder of 1776, a Washington, DC-based venture capital firm and incubator specializing in regulated industries. Burfield has coached startups on how to understand, adapt to, and influence government regulation. Now, in Regulatory Hacking, he draws on that expertise and real startup success stories to show you how to do the same. For instance, you'll learn how... * AirBnB rallied a grassroots movement to vote No on San Francisco's Prop F, which would have restricted its business in the city. * HopSkipDrive overcame safety concerns about its kids' ridesharing service by working with state government to build trust into its platform. * 23andMe survived the FDA's order to stop selling its genetic testing kits by building trusted relationships with scientists who could influence the federal regulatory community. Through fascinating case studies and interviews with startup founders, Burfield shows you how to build a compelling narrative for your startup, use it to build a grassroots movement to impact regulation, and develop influence to overcome entrenched relationships between incumbents and governments. These are just some of the tools in the book that you'll need to win the next frontier of innovation.

It is increasingly apparent that human activities are not suitable for sustaining a healthy global environment. From energy development to resource extraction to use of land and water, humans are having a devastating effect on the earth’s ability to sustain human societies and quality lives. Many approaches to changing the negative environmental consequences of human activities focus on one of two options, emphasizing either technological fixes or individual behavior change to reduce environmental harms through sustainable consumption habits. This book takes a different approach, focusing on the role of environmental policy in shaping the possibilities for and creating hindrances to pursuing more sustainable use of environmental resources. This unique compilation examines environmental policy through empirical case studies, demonstrating through each particular example how environmental policies are formed, how they operate, what they do in terms of shaping behaviors and future trajectories, and how they intersect with other social dynamics such as politics, power, social norms, and social organization. By providing case studies from both the United States and Mexico, this book provides a cross-national perspective on current environmental policies and their role in creating and limiting sustainable human futures. Organized around four key parts – Water; Land; Health and Wellbeing; and Resilience – and with a central theme of environmental justice and equity, this book will be of great interest to students and scholars of environmental policy and sustainability.

Emergency Management, as an industry and practice, is a relatively new field in the United States and abroad. As the threat of attack gradually declined in the second half of the 20th century, our modern system of emergency management began to take shape in the 1970s. With the passage of the Disaster Relief Act in 1974, the federal government introduced the first standardized process for granting financial assistance after a disaster. Around the same time, the National Governors Association released a report on the practice of emergency management, noting that there were four main phases: Mitigation, Preparedness, Response, and Recovery. As the Post-War United States turned its attention to building increasingly complicated societal systems dependent on technology, vulnerability to disasters of every kind also increased. New policies and practices were required to manage the impacts of disaster on modern society. Following the terrorist attach on September 11, 2001 and Hurricane Katrina in 2006, the US government has placed more requirements on local, state and federal agencies to be better prepared and better coordinated. Emergency management policy reflects the reactionary approach typical of the industry. A disaster occurs; a system or process fails leading lawmakers to ask what might be done different next time; a lesson is learned; policy is written. But does it work? Were any mandates more successful than others? To what extent are these laws followed or enforced? Practitioners Guide to US Disaster Policy will explore each explores each major piece of legislation and their implications. Unlike many other major industries, emergency management lacks an authoritative and unified voice for how federal lawmakers will impact the industry. As society grows more complex, populous, and dependent on technology, these are questions, which must be explored and revisited on a regular basis. Recommendations for short- and long-term policy needs are made, as well as new approaches for managing disasters in the United States

Navigate Your Way to Financial Freedom The road to financial well-being is complex. En route, you face an overwhelming variety of complicated choices—from deciding which job to take to determining how best to spend or save—that can impact your financial life in ways that are often difficult to predict. Author Paul Bennett knows there is no decision that is not connected to your financial well-being. With over twenty-five years of experience, as a CERTIFIED FINANCIAL PLANNER™ professional he also knows that navigating those decisions doesn’t have to be so hard. The Money Navigator examines: • Key insights into human economic behavior • Reasons why investors make poor decisions • Why financial and insurance products are so misunderstood • How a Money Navigator—a full-scale CFP®—can help you invest well and manage your financial life with ease. ?With fresh insights and real-life examples backed up by in-depth research, each chapter of The Money Navigator offers you practical takeaways for you particular situation, whether you find yourself on the cusp of retirement, are already retired, or are facing a life transition. Bennett’s expert navigation and advice propels you toward the life you always imagined and equips you with the tools to attain your goals.

This book contextualizes the rise of a neo-Islamic Turkish bourgeoisie class with a particular reference to the relationship between Islam and Capitalism, and makes the argument for their ultimate compatibility . Additionally, the claim is made that the formation of this new socio-economic class has been detrimental to Turkey's efforts to consolidate its democracy. In order to analyze these processes, an Islamic-oriented young business group, Economic Entrepreneurship and Business Ethic Association (IGIAD), was taken as a case study. Drawing on fieldwork in examining IGIAD’S mission, vision, and activities, the book argues that such associations were born as a response to increasing tension between capitalism and Islam, with the aim of creating a ‘moral’ economy within global capitalism.

“The next financial collapse will resemble nothing in history. . . . Deciding upon the best course to follow will require comprehending a minefield of risks, while poised at a crossroads, pondering the death of the dollar.” The international monetary system has collapsed three times in the past hundred years, in 1914, 1939, and 1971. Each collapse was followed by a period of tumult: war, civil unrest, or significant damage to the stability of the global economy. Now James Rickards, the acclaimed author of Currency Wars, shows why another collapse is rapidly approaching—and why this time, nothing less than the institution of money itself is at risk.

No issue is more fundamental in contemporary macroeconomics than identifying the causes of the recent Great Recession. The standard view is that the banks were to blame because they took on too much risk, 'went bust' and had to be bailed out by governments. However very few banks actually had losses in excess of their capital. The counter-argument presented in this stimulating new book is that the Great Recession was in fact caused by a collapse in the rate of change of the quantity of money. This was the result of a mistimed and inappropriate tightening of banks' capital regulations, which had vicious deflationary consequences at just the wrong point in the business cycle. Central bankers and financial regulators made serious mistakes. The book's argument echoes that on the causes of the Great Depression made by Milton Friedman and Anna Schwartz in their classic book A Monetary History of the United States. Offering an alternative monetary explanation of the Great Recession, this book is essential reading for all economists working in macroeconomics and monetary economics. It will also appeal to those interested in the wider public policy debates arising from the crisis and its aftermath. Contributors include: P. Booth, J.E. Castañeda, T. Congdon, C. Goodhart, S. Hanke, D. Laidler, A. Ridley, R. Skidelsky, R. Thomas

When picking out a home, there are a number of aspects to keep in mind: location, size, and layout. One issue that many people neglect is energy conservation, which is quickly becoming one of the most important aspects of modern life. How do make your home energy wise? Where do you start? What aspects of home living can affect, and be affected by, our energy choices? This task can be momentous and intimidating. The Energy Wise Home: Practical Ideas for Saving Energy, Money, and the Planet makes it easy. Jeff Dondero walks you through your home’s walls, doors, windows, and roof, room by room and appliance by appliance, breaking them down into simple terms so that you can make the smartest energy and resource choices possible. He even covers gardens and garages, explaining what household items cost to run, how to conserve energy when using them, giving guidance on what’s sustainable and what isn’t. This encyclopedic manual is very helpful for understanding the machine that is your house, and how to keep it maintained and running well and “green” while saving you money. This guide is a great fit to make sure that you make the best of your home and the resources that power and run it. Conservation in the home is something that you owe to yourself, your family, and your planet.

Widely regarded as one of the greatest television series of all time, The Sopranos is also considered one of the most significant achievements in contemporary American culture. IThe series spearheaded the launch of a new wave of quality programming that has transformed the way people watch, experience, and talk about television. By chronicling the life and crimes of a New Jersey mobster, his family, and his cronies, The Sopranos examines deep themes at the heart of American life, particularly the country’s seedy underbelly. In Tony Soprano’s America: Gangsters, Guns, and Money, M. Keith Booker and Isra Daraiseh explore the central role of the series in American cultural history. While examining the elements that account for the show’s popularity and critical acclaim, the authors also contend that The Sopranos revolutionized the way audiences viewed television in general and cable programming as well. This book demonstrates how a show focused on an ethnic antihero somehow reflected common themes of contemporary American life, including ethnicity, class, capitalism, therapy, and family dynamics. Providing a sophisticated yet accessible account of the groundbreaking series—a show that rivals film and literature for its beauty and stunning characterization of modern life—this book engages the reader with ideas central to the American experience. Tony Soprano’s America brings to life this profound television program in ways that will entertain, engage, and perhaps even challenge longtime viewers and critics.

You’ve heard about the Law of Attraction. Maybe you’ve even tried to create abundance in your own life. Did you succeed? This author has. Boni went from living the nightmare (foreclosure and bankruptcy) to become a multi-millionaire—and she created it consciously. The power to create anything already exists within us. You are no exception. If you can think and feel, you can learn to work with energy to create abundance. The Map to Abundance will help you take your inborn creation abilities to the next level—the fully-conscious, totally-at-your-fingertips level, where money flows like water and joy is an everyday reality. Boni has created a literal “map” to help you change your relationship to money and abundance. You will learn: •Why money is different and why you need to approach it differently from anything else you manifest. •Step by step guidance to discover your hidden blockages to abundance and resolve them once and for all. •How to test yourself for limiting beliefs and (better yet) how to change them permanently. •How to tell when your energy is shifting towards an abundant future and how to accelerate that movement. •The actions to take in the physical world to anchor in the energetic changes you’re making. •How to shift and change your image around money so that when the abundance arrives you don’t un-create it. It’s time to claim the abundant life you were born to live. Are you ready to change your financial reality … forever?

Our fifties--these are typically our prime earning years, as well as the decade when retirement begins to come within view, and it's perhaps our last opportunity to set our finances in order and work toward breaking our dependency on our income. While we may not actually retire until our sixties, the success of our retirement years could well depend on financial decisions we make in our fifties. In these years, we're managing debt (student loans, consumer debt, a mortgage) as well as assets, and smart management of both is critical. In this lively and fun book, personal finance expert Peter Dunn offers practical tips and strategies created specifically to address the financial concerns and goals of readers in their fifties. Learn to master the challenges of this important decade with YOUR MONEY LIFE: YOUR 50s.

Money_USA_October_2017

Single issue magazine covers of personal finance topics ranging from investing, saving, retirement, taxes, and family finance. This issue features: Money November 2017 Retire Like Suze! ; How to Weather Life's Storms & Be Your Most Fabulous Self by Suze Orman!; A Trip to Suze's Island Paradise; The 7 Best Places to Retire; The Best Bank in Every State; 10 Richest People of All Time; and more.

Single issue magazine covers of personal finance topics ranging from investing, saving, retirement, taxes, and family finance. This issue features: Money December 2017 101 Ways to Make 1,000 Dollars - Earn, Save and Invest More in 2018; the Future of Shopping - Here's What the Stores of Tomorrow Look Like; Equifax Hack; How to Safeguard your credit for cheap; Your Year End Investment Checklist; 3 Mistakes That Can Derail Your Retirement; ; and more

Tom Ahern, one of the world's foremost authorities on donor communications, reveals the secrets behind highly successful and shockingly lucrative charity newsletters. Inside this fast and practical guide, you'll find all the training and checklists you need to succeed even if you're a novice, even if you don't consider yourself a professional writer. You'll discover the trailblazing Domain Formula for print newsletters, a guaranteed money-maker countless charities have adopted. You'll learn best practices for e-newsletters, too. You'll steer clear of the nine common fatal flaws that kill most newsletters. And you'll see why a strong newsletter is vital to improving donor retention ... one of today's highest priorities in fundraising.

Coinage and currency―abstract and socially created units of value and power―were basic to early modern society. By controlling money, the people sought to understand and control their complex, expanding, and interdependent world. In Making Money in Sixteenth-Century France, Jotham Parsons investigates the creation and circulation of currency in France. The royal Cour des Monnaies centralized monetary administration, expanding its role in the emerging modern state during the sixteenth century and assuming new powers as an often controversial repository of theoretical and administrative expertise.The Cour des Monnaies, Parsons shows, played an important role in developing the contemporary understanding of money, as a source of both danger and opportunity at the center of economic and political life. More practically, the Monnaies led generally successful responses to the endemic inflation of the era and the monetary chaos of a period of civil war. Its work investigating and prosecuting counterfeiters shone light into a picaresque world of those who used the abstract and artificial nature of money for their own ends. Parsons's broad, multidimensional portrait of money in early modern France also encompasses the literature of the age, in which money's arbitrary and dangerous power was a major theme.

Smart financial decisions boost more than your bottom line—they'll make you healthier and happier too! Are you one of the 90% of people who are stressed about money? If so, you know it can take its toll on every part of your life. Financial health, physical health and happiness are profoundly interconnected. It's almost impossible to enjoy any one of these without the help of the other two. The authors describe this phenomenon as the intersection of money, health, and happiness.

This book examines how money, in the absence of interest (Riba) and money market can become an endogenous variable of an economic system. It further tries to integrate money in capital theory and to make monetary sector part of the real sector aiming at removing the problems that arise from separation of the two.