Cashing In On The American Dream
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Cashing In On The American Dream
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Author : Paul Terhorst
language : en
Publisher: Bantam
Release Date : 1988
Cashing In On The American Dream written by Paul Terhorst and has been published by Bantam this book supported file pdf, txt, epub, kindle and other format this book has been release on 1988 with Business & Economics categories.
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.
Fintech Small Business The American Dream
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Author : Karen G. Mills
language : en
Publisher: Springer
Release Date : 2019-03-12
Fintech Small Business The American Dream written by Karen G. Mills and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-03-12 with Business & Economics categories.
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.
Financing The American Dream
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Author : Lendol Calder
language : en
Publisher: Princeton University Press
Release Date : 2009-07-01
Financing The American Dream written by Lendol Calder and has been published by Princeton University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-07-01 with History categories.
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.
Who Stole The American Dream
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Author : Hedrick Smith
language : en
Publisher: Random House Trade Paperbacks
Release Date : 2013-08-27
Who Stole The American Dream written by Hedrick Smith and has been published by Random House Trade Paperbacks this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-08-27 with Business & Economics categories.
Pulitzer Prize winner Hedrick Smith’s new book is an extraordinary achievement, an eye-opening account of how, over the past four decades, the American Dream has been dismantled and we became two Americas. In his bestselling The Russians, Smith took millions of readers inside the Soviet Union. In The Power Game, he took us inside Washington’s corridors of power. Now Smith takes us across America to show how seismic changes, sparked by a sequence of landmark political and economic decisions, have transformed America. As only a veteran reporter can, Smith fits the puzzle together, starting with Lewis Powell’s provocative memo that triggered a political rebellion that dramatically altered the landscape of power from then until today. This is a book full of surprises and revelations—the accidental beginnings of the 401(k) plan, with disastrous economic consequences for many; the major policy changes that began under Jimmy Carter; how the New Economy disrupted America’s engine of shared prosperity, the “virtuous circle” of growth, and how America lost the title of “Land of Opportunity.” Smith documents the transfer of $6 trillion in middle-class wealth from homeowners to banks even before the housing boom went bust, and how the U.S. policy tilt favoring the rich is stunting America’s economic growth. This book is essential reading for all of us who want to understand America today, or why average Americans are struggling to keep afloat. Smith reveals how pivotal laws and policies were altered while the public wasn’t looking, how Congress often ignores public opinion, why moderate politicians got shoved to the sidelines, and how Wall Street often wins politically by hiring over 1,400 former government officials as lobbyists. Smith talks to a wide range of people, telling the stories of Americans high and low. From political leaders such as Bill Clinton, Newt Gingrich, and Martin Luther King, Jr., to CEOs such as Al Dunlap, Bob Galvin, and Andy Grove, to heartland Middle Americans such as airline mechanic Pat O’Neill, software systems manager Kristine Serrano, small businessman John Terboss, and subcontractor Eliseo Guardado, Smith puts a human face on how middle-class America and the American Dream have been undermined. This magnificent work of history and reportage is filled with the penetrating insights, provocative discoveries, and the great empathy of a master journalist. Finally, Smith offers ideas for restoring America’s great promise and reclaiming the American Dream. Praise for Who Stole the American Dream? “[A] sweeping, authoritative examination of the last four decades of the American economic experience.”—The Huffington Post “Some fine work has been done in explaining the mess we’re in. . . . But no book goes to the headwaters with the precision, detail and accessibility of Smith.”—The Seattle Times “Sweeping in scope . . . [Smith] posits some steps that could alleviate the problems of the United States.”—USA Today “Brilliant . . . [a] remarkably comprehensive and coherent analysis of and prescriptions for America’s contemporary economic malaise.”—Kirkus Reviews (starred review) “Smith enlivens his narrative with portraits of the people caught up in events, humanizing complex subjects often rendered sterile in economic analysis. . . . The human face of the story is inseparable from the history.”—Reuters
Cash Crop
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Author : Fouad Sabry
language : en
Publisher: One Billion Knowledgeable
Release Date : 2024-02-17
Cash Crop written by Fouad Sabry and has been published by One Billion Knowledgeable this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-02-17 with Business & Economics categories.
What is Cash Crop A cash crop, also called profit crop, is an agricultural crop which is grown to sell for profit. It is typically purchased by parties separate from a farm. The term is used to differentiate marketed crops from staple crop in subsistence agriculture, which are those fed to the producer's own livestock or grown as food for the producer's family. How you will benefit (I) Insights, and validations about the following topics: Chapter 1: Cash crop Chapter 2: Common Agricultural Policy Chapter 3: Agricultural policy Chapter 4: Agricultural subsidy Chapter 5: Smallholding Chapter 6: Agriculture in India Chapter 7: Agriculture in Iran Chapter 8: Agriculture in Malawi Chapter 9: Agriculture in Indonesia Chapter 10: Agriculture in Ghana Chapter 11: Agriculture in Ethiopia Chapter 12: Agriculture in Haiti Chapter 13: Agriculture in Angola Chapter 14: Agriculture in Uganda Chapter 15: 20072008 world food price crisis Chapter 16: Agriculture in Benin Chapter 17: Agricultural land Chapter 18: Agricultural Development and Marketing Corporation Chapter 19: Contract farming Chapter 20: Agriculture in Tanzania Chapter 21: Cotton in Malawi (II) Answering the public top questions about cash crop. (III) Real world examples for the usage of cash crop in many fields. Who this book is for Professionals, undergraduate and graduate students, enthusiasts, hobbyists, and those who want to go beyond basic knowledge or information for any kind of Cash Crop.
Requiem For The American Dream
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Author : Noam Chomsky
language : en
Publisher: Seven Stories Press
Release Date : 2017-03-28
Requiem For The American Dream written by Noam Chomsky and has been published by Seven Stories Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-03-28 with Political Science categories.
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
Reprogramming The American Dream
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Author : Kevin Scott
language : en
Publisher: HarperCollins
Release Date : 2020-04-07
Reprogramming The American Dream written by Kevin Scott and has been published by HarperCollins this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-04-07 with Business & Economics categories.
** #1 Wall Street Journal Bestseller ** In this essential book written by a rural native and Silicon Valley veteran, Microsoft’s Chief technology officer tackles one of the most critical issues facing society today: the future of artificial intelligence and how it can be realistically used to promote growth, even in a shifting employment landscape. There are two prevailing stories about AI: for heartland low- and middle-skill workers, a dystopian tale of steadily increasing job destruction; for urban knowledge workers and the professional class, a utopian tale of enhanced productivity and convenience. But there is a third way to look at this technology that will revolutionize the workplace and ultimately the world. Kevin Scott argues that AI has the potential to create abundance and opportunity for everyone and help solve some of our most vexing problems. As the chief technology officer at Microsoft, he is deeply involved in the development of AI applications, yet mindful of their potential impact on workers—knowledge he gained firsthand growing up in rural Virginia. Yes, the AI Revolution will radically disrupt economics and employment for everyone for generations to come. But what if leaders prioritized the programming of both future technology and public policy to work together to find solutions ahead of the coming AI epoch? Like public health, the space program, climate change and public education, we need international understanding and collaboration on the future of AI and work. For Scott, the crucial question facing all of us is this: How do we work to ensure that the continued development of AI allows us to keep the American Dream alive? In this thoughtful, informed guide, he offers a clear roadmap to find the answer.
Chasing The American Dream
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Author : Mark Robert Rank PhD
language : en
Publisher: Oxford University Press
Release Date : 2014-03-01
Chasing The American Dream written by Mark Robert Rank PhD and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-03-01 with Social Science categories.
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.
My Underground American Dream
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Author : Julissa Arce
language : en
Publisher: Center Street
Release Date : 2016-09-13
My Underground American Dream written by Julissa Arce and has been published by Center Street this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-09-13 with Biography & Autobiography categories.
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.
The Betrayal Of The American Dream
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Author : Donald L. Barlett
language : en
Publisher: PublicAffairs
Release Date : 2012-07-31
The Betrayal Of The American Dream written by Donald L. Barlett and has been published by PublicAffairs this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-07-31 with Social Science categories.
A New York Times bestseller America’s unique prosperity is based on its creation of a middle class. In the twentieth century, that middle class provided the workforce, the educated skills, and the demand that gave life to the world’s greatest consumer economy. It was innovative and dynamic; it eclipsed old imperial systems and colonial archetypes. It gave rise to a dream: that if you worked hard and followed the rules you would prosper in America, and your children would enjoy a better life than yours. The American dream was the lure to gifted immigrants and the birthright opportunity for every American citizen. It is as important a part of the history of the country as the passing of the Bill of Rights, the outcome of the battle of Gettysburg, or the space program. Incredibly, however, for more than thirty years, government and big business in America have conspired to roll back the American dream. What was once accessible to a wide swath of the population is increasingly open only to a privileged few. The story of how the American middle class has been systematically impoverished and its prospects thwarted in favor of a new ruling elite is at the heart of this extraordinarily timely and revealing book, whose devastating findings from two of the finest investigative reporters in the country will leave you astonished and angry.