Land of the Fee


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.




Hidden Charges


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.




The Hidden Cost of Being African American


Book Description

Over the past three decades, racial prejudice in America has declined significantly and many African American families have seen a steady rise in employment and annual income. But alongside these encouraging signs, Thomas Shapiro argues in The Hidden Cost of Being African American, fundamental levels of racial inequality persist, particularly in the area of asset accumulation--inheritance, savings accounts, stocks, bonds, home equity, and other investments-. Shapiro reveals how the lack of these family assets along with continuing racial discrimination in crucial areas like homeownership dramatically impact the everyday lives of many black families, reversing gains earned in schools and on jobs, and perpetuating the cycle of poverty in which far too many find themselves trapped. Shapiro uses a combination of in-depth interviews with almost 200 families from Los Angeles, Boston, and St. Louis, and national survey data with 10,000 families to show how racial inequality is transmitted across generations. We see how those families with private wealth are able to move up from generation to generation, relocating to safer communities with better schools and passing along the accompanying advantages to their children. At the same time those without significant wealth remain trapped in communities that don't allow them to move up, no matter how hard they work. Shapiro challenges white middle class families to consider how the privileges that wealth brings not only improve their own chances but also hold back people who don't have them. This "wealthfare" is a legacy of inequality that, if unchanged, will project social injustice far into the future. Showing that over half of black families fall below the asset poverty line at the beginning of the new century, The Hidden Cost of Being African American will challenge all Americans to reconsider what must be done to end racial inequality.




The Hidden Cost of Jewelry


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.




Negrophobia and Reasonable Racism


Book Description

Tackling the ugly secret of unconscious racism in American society, this book provides specific solutions to counter this entrenched phenomenon.




High Cost of Free Parking


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.




China's Hidden Children


Book Description

In the thirty-five years since China instituted its One-Child Policy, 120,000 children—mostly girls—have left China through international adoption, including 85,000 to the United States. It’s generally assumed that this diaspora is the result of China’s approach to population control, but there is also the underlying belief that the majority of adoptees are daughters because the One-Child Policy often collides with the traditional preference for a son. While there is some truth to this, it does not tell the full story—a story with deep personal resonance to Kay Ann Johnson, a China scholar and mother to an adopted Chinese daughter. Johnson spent years talking with the Chinese parents driven to relinquish their daughters during the brutal birth-planning campaigns of the 1990s and early 2000s, and, with China’s Hidden Children, she paints a startlingly different picture. The decision to give up a daughter, she shows, is not a facile one, but one almost always fraught with grief and dictated by fear. Were it not for the constant threat of punishment for breaching the country’s stringent birth-planning policies, most Chinese parents would have raised their daughters despite the cultural preference for sons. With clear understanding and compassion for the families, Johnson describes their desperate efforts to conceal the birth of second or third daughters from the authorities. As the Chinese government cracked down on those caught concealing an out-of-plan child, strategies for surrendering children changed—from arranging adoptions or sending them to live with rural family to secret placement at carefully chosen doorsteps and, finally, abandonment in public places. In the twenty-first century, China’s so-called abandoned children have increasingly become “stolen” children, as declining fertility rates have left the dwindling number of children available for adoption more vulnerable to child trafficking. In addition, government seizures of locally—but illegally—adopted children and children hidden within their birth families mean that even legal adopters have unknowingly adopted children taken from parents and sent to orphanages. The image of the “unwanted daughter” remains commonplace in Western conceptions of China. With China’s Hidden Children, Johnson reveals the complex web of love, secrecy, and pain woven in the coerced decision to give one’s child up for adoption and the profound negative impact China’s birth-planning campaigns have on Chinese families.




Hidden Order


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.




Code


Book Description

The classic guide to how computers work, updated with new chapters and interactive graphics "For me, Code was a revelation. It was the first book about programming that spoke to me. It started with a story, and it built up, layer by layer, analogy by analogy, until I understood not just the Code, but the System. Code is a book that is as much about Systems Thinking and abstractions as it is about code and programming. Code teaches us how many unseen layers there are between the computer systems that we as users look at every day and the magical silicon rocks that we infused with lightning and taught to think." - Scott Hanselman, Partner Program Director, Microsoft, and host of Hanselminutes Computers are everywhere, most obviously in our laptops and smartphones, but also our cars, televisions, microwave ovens, alarm clocks, robot vacuum cleaners, and other smart appliances. Have you ever wondered what goes on inside these devices to make our lives easier but occasionally more infuriating? For more than 20 years, readers have delighted in Charles Petzold's illuminating story of the secret inner life of computers, and now he has revised it for this new age of computing. Cleverly illustrated and easy to understand, this is the book that cracks the mystery. You'll discover what flashlights, black cats, seesaws, and the ride of Paul Revere can teach you about computing, and how human ingenuity and our compulsion to communicate have shaped every electronic device we use. This new expanded edition explores more deeply the bit-by-bit and gate-by-gate construction of the heart of every smart device, the central processing unit that combines the simplest of basic operations to perform the most complex of feats. Petzold's companion website, CodeHiddenLanguage.com, uses animated graphics of key circuits in the book to make computers even easier to comprehend. In addition to substantially revised and updated content, new chapters include: Chapter 18: Let's Build a Clock! Chapter 21: The Arithmetic Logic Unit Chapter 22: Registers and Busses Chapter 23: CPU Control Signals Chapter 24: Jumps, Loops, and Calls Chapter 28: The World Brain From the simple ticking of clocks to the worldwide hum of the internet, Code reveals the essence of the digital revolution.




Stop the 401(k) Rip-off!


Book Description

o How would you spend an extra $4,000 a year for the next twenty-five years?o How much more secure would your retirement be with an extra $100,000 or more?o How much more time could you spend at your family dinner table if you could work an hour less each day?o What would you do in retirement if you could retire three years earlier?Your 401(k) plan is probably one of your most important future sources of financial security. This book makes it easy for you to take the five steps needed to add more than $100,000 to your retirement nest egg without taking more risk or saving more money. This can allow you to improve your lifestyle, increase your benefits, identify the hidden costs and also improve your standing within your company by proactively helping your employer to take needed action.A popular industry speaker and writer, DAVID B. LOEPER is the founder and CEO of Financeware, Inc. in Richmond, VA. He has appeared on CNBC and Bloomberg TV, served on the Investment Advisory Committee of the $30 billion Virginia Retirement System, and was chairman of the Advisory Council for the Investment Management Consultants Association (IMCA). He earned the CIMA? designation (Certified Investment Management Analyst) from Wharton Business School in 1990 in conjunction with IMCA.