UNINTENDED CONSEQUENCES WHY EVERYTHING YOUVE BEEN TOLD ABOUT THE ECONOMY IS WRONG

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Unintended Consequences

Author : Edward Conard
ISBN : 9781101602584
Genre : Political Science
File Size : 46.88 MB
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In the aftermath of the Financial Crisis, many com­monly held beliefs have emerged to explain its cause. Conventional wisdom blames Wall Street and the mortgage industry for using low down pay­ments, teaser rates, and other predatory tactics to seduce unsuspecting home owners into assuming mortgages they couldn't afford. It blames average Americans for borrowing recklessly and spend­ing too much. And it blames the tax policies and deregulatory environment of the Reagan and Bush administrations for encouraging reckless risk taking by wealthy individuals and financial institutions. But according to Unintended Consequences, the conventional wisdom masks the real causes of our economic disruption and puts us at risk of facing a slew of unintended-and potentially dangerous-consequences.
Category: Political Science

The Upside Of Inequality

Author : Edward Conard
ISBN : 9780698409910
Genre : Business & Economics
File Size : 59.30 MB
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The scourge of America’s economy isn't the success of the 1 percent—quite the opposite. The real problem is the government’s well-meaning but misguided attempt to reduce the payoffs for success. Four years ago, Edward Conard wrote a controversial bestseller, Unintended Consequences, which set the record straight on the financial crisis of 2008 and explained why U.S. growth was accelerating relative to other high-wage economies. He warned that loose monetary policy would produce neither growth nor inflation, that expansionary fiscal policy would have no lasting benefit on growth in the aftermath of the crisis, and that ill-advised attempts to rein in banking based on misplaced blame would slow an already weak recovery. Unfortunately, he was right. Now he’s back with another provocative argument: that our current obsession with income inequality is misguided and will only slow growth further. Using fact-based logic, Conard tracks the implications of an economy now constrained by both its capacity for risk-taking and by a shortage of properly trained talent—rather than by labor or capital, as was the case historically. He uses this fresh perspective to challenge the conclusions of liberal economists like Larry Summers and Joseph Stiglitz and the myths of “crony capitalism” more broadly. Instead, he argues that the growing wealth of most successful Americans is not to blame for the stagnating incomes of the middle and working classes. If anything, the success of the 1 percent has put upward pressure on employment and wages. Conard argues that high payoffs for success motivate talent to get the training and take the risks that gradually loosen the constraints to growth. Well-meaning attempts to decrease inequality through redistribution dull these incentives, gradually hurting not just the 1 percent but everyone else as well. Conard outlines a plan for growing middle- and working-class wages in an economy with a near infinite supply of labor that is shifting from capital-intensive manufacturing to knowledge-intensive, innovation-driven fields. He urges us to stop blaming the success of the 1 percent for slow wage growth and embrace the upside of inequality: faster growth and greater prosperity for everyone.
Category: Business & Economics

At The Brink

Author : John R. Lott
ISBN : 9781621570615
Genre : Political Science
File Size : 34.53 MB
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Barack Obama has taken America to the brink of financial ruin. Will we be able to stop before we go over the edge? Author John Lott sounds the alarm as he documents the economic challenges we face with four more years of an Obama presidency, and builds an case for fundamental change—the kind we need to save America.
Category: Political Science

The Death Of Money

Author : James Rickards
ISBN : 9781101637241
Genre : Business & Economics
File Size : 58.54 MB
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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 U.S. dollar has been the global reserve currency since the end of World War II. If the dollar fails, the entire international monetary system will fail with it. But optimists have always said, in essence, that confidence in the dollar will never truly be shaken, no matter how high our national debt or how dysfunctional our government. In the last few years, however, the risks have become too big to ignore. While Washington is gridlocked, our biggest rivals—China, Russia, and the oil-producing nations of the Middle East—are doing everything possible to end U.S. monetary hegemony. The potential results: Financial warfare. Deflation. Hyperinflation. Market collapse. Chaos. James Rickards, the acclaimed author of Currency Wars, shows why money itself is now at risk and what we can all do to protect ourselves. He explains the power of converting unreliable investments into real wealth: gold, land, fine art, and other long-term stores of value.
Category: Business & Economics

The Value Of Debt In Retirement

Author : Thomas J. Anderson
ISBN : 9781119020004
Genre : Business & Economics
File Size : 49.17 MB
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Increase the odds you won't run out of money in retirement– using debt! Conventional wisdom is wrong – being debt free inretirement may actually increase your risk. The Value ofDebt in Retirement teaches you how incorporating debt into yourretirement strategy may increase your return, lower your taxes andactually lower your risk. You read that right. If handledcorrectly, debt—that thing we've all been taught toavoid—can play an integral role in your life,especially in retirement. New York Times Best Selling Authorand nationally acclaimed financial expert Tom Anderson shows youhow to use the time tested strategies of the best companies and theultra rich to retire comfortably, minimize taxes, buy the thingsyou have always wanted to have and do the things you have alwayswanted to do. Thought provoking and against the grain, Anderson explains whyyour risk tolerance doesn't matter, why being debt free mayactually increase your risk and why rushing to pay off yourmortgage may be a financial disaster. Full of shocking revelationsand tricks high- net-worth individuals have used for years, TheValue of Debt in Retirement opens the world to a new approach towealth management in retirement, one that factors in both sides ofthe balance sheet as an integrated ecosystem. Real-world case studies illustrate how informed debt strategiescan lead to a happier, healthier retirement. See how an individualwith a net worth of more than $5 million can spend $20,000 permonth - after taxes - and pay less than $5,000 per year in taxes,how it is possible to increase your rate of return by 50%, and howa lower risk portfolio with debt could increase the chances you donot run out of money. Specifically written to Baby Boomers, practical guides andchecklists show how to use debt strategies to fund primary andsecondary properties, refinance credit card debt, and financehobbies, such as cars and boats and recreational vehicles.Additional guides show how you can help your children, help yourparents and leave a bigger legacy for your heirs and favoritecharities. Regardless of your net worth, The Value of Debt inRetirement provides tools to use to apply these concepts toyour personal situation. There is no free lunch: the book delivers a balanced perspectivefocusing on the potential risks and benefits of the strategiesdiscussed. A discussion on economic history highlights some of theshocks the economy may face and provides important warnings thatyou should factor into your retirement plan. Anderson not onlyshows that your life expectancy may be longer than you think, butalso illustrates that many investors may be on track to averagereturns well under 4% for the next ten years – a potentiallydevastating combination. Irrespective of your beliefs about debt,The Value of Debt in Retirement proves risk is moreimportant than return for retirees and provides suggestions on waysto minimize that risk. Not all debt is good and high levels of debt are bad. TheValue of Debt in Retirement is about choosing the right debt,in the right amounts, at the right time. Perhaps most importantly,this book isn't for everybody. This book requires responsibleactions. If you can't handle the responsibility associated with theideas then this book then it isn't for you. If you need a rate ofreturn under 3% from your investments then you may not need thisbook. But if you can handle the responsibility and if you need areturn above 3%, this book may offer insights into the best (andpotentially only) way to achieve your goals.
Category: Business & Economics

The Conundrum

Author : David Owen
ISBN : 9781101560136
Genre : Science
File Size : 87.93 MB
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Look out for David Owen's next book, Where the Water Goes. The Conundrum is a mind-changing manifesto about the environment, efficiency and the real path to sustainability. Hybrid cars, fast trains, compact florescent light bulbs, solar panels, carbon offsets: Everything you've been told about living green is wrong. The quest for a breakthrough battery or a 100 mpg car are dangerous fantasies. We are consumers, and we like to consume green and efficiently. But David Owen argues that our best intentions are still at cross purposes to our true goal - living sustainably and caring for our environment and the future of the planet. Efficiency, once considered the holy grail of our environmental problems, turns out to be part of the problem. Efforts to improve efficiency and increase sustainable development only exacerbate the problems they are meant to solve, more than negating the environmental gains. We have little trouble turning increases in efficiency into increases in consumption. David Owen's The Conundrum is an elegant nonfiction narrative filled with fascinating information and anecdotes takes you through the history of energy and the quest for efficiency. This is a book about the environment that will change how you look at the world. We should not be waiting for some geniuses to invent our way out of the energy and economic crisis we're in. We already have the technology and knowledge we need to live sustainably. But will we do it? That is the conundrum. From the Trade Paperback edition.
Category: Science

U S Economy U S Workers And Immigration Reform

Author : United States. Congress. House. Committee on the Judiciary. Subcommittee on Immigration, Citizenship, Refugees, Border Security, and International Law
ISBN : PSU:000061502178
Genre : Business & Economics
File Size : 78.96 MB
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Category: Business & Economics

The Bias Against Guns

Author : John R. Lott
ISBN : 9781596986695
Genre : Political Science
File Size : 33.61 MB
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"If you want the truth the anti–gunners don't want you to know…you need a copy of The Bias Against Guns" —Sean Hannity of Fox News Channel's Hannity & Colmes
Category: Political Science

Co Opportunity

Author : John Grant
ISBN : 0470662352
Genre : Business & Economics
File Size : 60.97 MB
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John Grant is back! Bestselling author of Green Marketing Manifesto fame returns to get you involved in creating a sustainable future! In this book, green business guru John Grant shows how we, when we join forces through co-operative initiatives, can really make changes and work towards a better future. John uses cases and examples from around the world, from social networks to social ventures, Carrot Mobbing to the Carbon Disclosure Project, to show how a move to greater co-operation via what he calls Co-operative Networks can be a way forwards for all of us to increase the common well-being. Arguing that a climate for change can be created by engaging rather than alienating people, John also demonstrates ways of ‘relocating dreams’ to allow us to reassess our desires and priorities. Whether you are a business leader, politician, armchair economist, environmentalist or general interest reader, the inspiration and ideas John Grant provides in Co-Opportunity encourages us all to think again about our individual behaviour and our actions – our ideas of what it is to be human - and to get co-creating to build a better world for all. Sit back and watch, or become part of this grass roots new movement.
Category: Business & Economics