Generation Debt

How Our Future was Sold Out for Student Loans, Credit Cards, Bad Jobs, No Benefits, and Tax Cuts for Rich Geezers - and how to Fight Back

Author: Anya Kamenetz

Publisher: Penguin

ISBN: 9781594482342

Category: Business & Economics

Page: 308

View: 6105

A Pulitzer Prize-nominated journalist draws on her research with experts in economics, education, the health-care industry, and other fields to identify the sources of massive debt among young adults, in an account that explores such factors as college loans, poor employee benefits, and threats to social security. Reprint. 30,000 first printing.
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What Color Is Your Parachute? For Teens, 2nd Edition

Discovering Yourself, Defining Your Future

Author: Carol Christen,Richard N. Bolles

Publisher: Ten Speed Press

ISBN: 1607743302

Category: Juvenile Nonfiction

Page: N.A

View: 5168

In today’s über-competitive climate, you can’t just wing it when you graduate and count on finding a great job (or a great job finding you). It pays to figure out your interests early, so you can decide what additional schooling—and tuition debt—makes sense for your chosen field. In What Color Is Your Parachute? For Teens, career authorities Carol Christen and Richard N. Bolles not only help you plan for these decisions, but also help you define the unique passions that will lead you to your dream job. With new chapters on social media and sustainable jobs—along with all-new profiles of twentysomethings who’ve found work in solar energy, magazine writing, and more—this new edition has all the nitty-gritty details you need to get started now. Most importantly, it’s packed with the big-picture advice that will set you up to land the job that’s perfect for who you are—and who you want to be. From the Trade Paperback edition.
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Handbook for Undergraduate Research Advisors

Author: Faith A. Wilson,Jeffrey L. Thomas

Publisher: Rowman & Littlefield

ISBN: 1475815573

Category: Education

Page: 200

View: 6563

Written for diverse academic audience, this text serves as a handbook for professors, instructors, and advisors who oversee data collection by undergraduate students for the purpose of writing a research report. It provides background information concerning today’s diverse undergraduate student population and the increasing emphasis placed on research in the college classroom and field settings, presents strategies for enhancing the research writing skills of undergraduate students, and examines specific research contexts. Adult educational theory is woven throughout the text, along with international perspectives.
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Generation Debt

Why Now is a Terrible Time to be Young

Author: Anya Kamenetz

Publisher: Riverhead Books (Hardcover)

ISBN: 9781594489075

Category: Business & Economics

Page: 265

View: 5671

A Pulitzer Prize-nominated journalist draws on her research with experts in economics, education, the health-care industry, and other fields to identify the sources of massive debt among young adults, in an account that explores such factors as college loans, poor employee benefits, and threats to social security. 40,000 first printing.
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Payday Lending

Global Growth of the High-Cost Credit Market

Author: Carl Packman

Publisher: Springer

ISBN: 1137361107

Category: Business & Economics

Page: 146

View: 6625

Payday Lending looks at the growth of the high cost credit industry from the early payday lending industry in the early 1990s to its development in the US as a highly profitable industry around the world.
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The Student Loan Mess

How Good Intentions Created a Trillion-Dollar Problem

Author: Joel Best,Eric Best

Publisher: Univ of California Press

ISBN: 0520276450

Category: Education

Page: 233

View: 5253

"Student loan debt in the U.S. now exceeds $1 trillion, more than the nation's credit-card debt. This timely book explains how and why student loans evolved, the concerns they've raised along the way, and how each policy designed to fix student loans winds up making things worse. The authors, a father and son team, provide an intergenerational, interdisciplinary approach to understanding how, over the last 70 years, Americans incrementally, with the best intentions, created our current student loan disaster. They examine the competing interests and shifting societal expectations that contributed to the problem, and offer recommendations for confronting the larger problem of college costs and student borrowing in the future"--
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Patterns for College Writing

A Rhetorical Reader and Guide

Author: Laurie G. Kirszner,Stephen R. Mandell

Publisher: Macmillan Higher Education

ISBN: 1457605732

Category: Language Arts & Disciplines

Page: 864

View: 2919

Laurie Kirszner and Stephen Mandell, authors with nearly thirty years of experience teaching college writing, know what works in the classroom and have a knack for picking just the right readings. In Patterns for College Writing, they provide students with exemplary rhetorical models and instructors with class-tested selections that balance classic and contemporary essays. Along with more examples of student writing than any other reader, Patterns has the most comprehensive coverage of active reading, research, and the writing process, with a five-chapter mini-rhetoric; the clearest explanations of the patterns of development; and the most thorough apparatus of any rhetorical reader, all reasons why Patterns for College Writing is the best-selling reader in the country. And the new edition includes exciting new readings and expanded coverage of critical reading, working with sources, and research. It is now available as an interactive Bedford e-book and in a variety of other e-book formats that can be downloaded to a computer, tablet, or e-reader. Read the preface.
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Elements of Argument

A Text and Reader

Author: Annette T. Rottenberg,Donna Haisty Winchell

Publisher: Macmillan Higher Education

ISBN: 1457610051

Category: Language Arts & Disciplines

Page: 832

View: 1100

Elements of Argument combines a thorough argument text on critical thinking, reading, writing, and research with an extensive reader on both current and timeless controversial issues. It presents everything students need to analyze, research, and write arguments. Elements of Argument covers Toulmin, Aristotelian, and Rogerian models of argument and has been thoroughly updated with current selections students will want to read. It now includes additional support for academic writing, making it a truly flexible classroom resource. An electronic edition is available at half the price of the print book. Read the preface.
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Practical Idealists

Changing the World and Getting Paid

Author: Alissa S. Wilson,Ann Barham,John Hammock

Publisher: Harvard University Press

ISBN: 9780674032071

Category: Business & Economics

Page: 228

View: 6876

Can you work for a better world without taking a vow of poverty? The authors’ answer is a resounding, “Yes!” This book draws on interviews with over forty practical idealists whose stories will inspire the reader and provide tools for making the choices necessary to succeed as a practical idealist. Through examples and exercises, Practical Idealists: Changing the World and Getting Paid explores how to clarify your values and passions, gain relevant skills, find work, use college and graduate school effectively, manage finances, and build a community of support. Practical idealists understand that personal change and social change are connected. They know that choices matter. This book will help you make the choices that matter and live your life as a practical idealist.
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The Student Loan Scam

The Most Oppressive Debt in U.S. History and How We Can Fight Back

Author: Alan Collinge

Publisher: Beacon Press

ISBN: 0807096725

Category: Education

Page: 184

View: 5144

The Student Loan Scam is an exposé of the predatory nature of the $85-billion student loan industry. In this in-depth exploration, Collinge argues that student loans have become the most profitable, uncompetitive, and oppressive type of debt in American history. This has occurred in large part due to federal legislation passed since the mid-1990s that removed standard consumer protections from student loans-and allowed for massive penalties and draconian wealth-extraction mechanisms to collect this inflated debt. High school graduates can no longer put themselves through college for a few thousand dollars in loan debt. Today, the average undergraduate borrower leaves school with more than $20,000 in student loans, and for graduate students the average is a whopping $42,000. For the past twenty years, college tuition has increased at more than double the rate of inflation, with the cost largely shifting to student debt. Collinge covers the history of student loans, the rise of Sallie Mae, and how universities have profited at the expense of students. The book includes candid and compelling stories from people across the country about how both nonprofit and for-profit student loan companies, aided by poor legislation, have shattered their lives-and livelihoods. With nearly 5 million defaulted loans, this crisis is growing to epic proportions. The Student Loan Scam takes an unflinching look at this unprecedented and pressing problem, while exposing the powerful organizations and individuals who caused it to happen. Ultimately, Collinge argues for the return of standard consumer protections for student loans, among other pragmatic solutions, in this clarion call for social action.
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DIY U

Edupunks, Edupreneurs, and the Coming Transformation of Higher Education

Author: Anya Kamenetz

Publisher: Chelsea Green Publishing

ISBN: 1603582762

Category: Education

Page: 208

View: 8554

The price of college tuition has increased more than any other major good or service for the last twenty years. Nine out of ten American high school seniors aspire to go to college, yet the United States has fallen from world leader to only the tenth most educated nation. Almost half of college students don't graduate; those who do have unprecedented levels of federal and private student loan debt, which constitutes a credit bubble similar to the mortgage crisis. The system particularly fails the first-generation, the low-income, and students of color who predominate in coming generations. What we need to know is changing more quickly than ever, and a rising tide of information threatens to swamp knowledge and wisdom. America cannot regain its economic and cultural leadership with an increasingly ignorant population. Our choice is clear: Radically change the way higher education is delivered, or resign ourselves to never having enough of it. The roots of the words "university" and "college" both mean community. In the age of constant connectedness and social media, it's time for the monolithic, millennium-old, ivy-covered walls to undergo a phase change into something much lighter, more permeable, and fluid. The future lies in personal learning networks and paths, learning that blends experiential and digital approaches, and free and open-source educational models. Increasingly, you will decide what, when, where, and with whom you want to learn, and you will learn by doing. The university is the cathedral of modernity and rationality, and with our whole civilization in crisis, we are poised on the brink of Reformation.
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Agenda for Social Justice

Solutions for 2016

Author: Muschert, Glenn,V. Klocke, Brian,Jon Shefner

Publisher: Policy Press

ISBN: 1447332881

Category: Political Science

Page: 134

View: 9863

The Agenda for Social Justice: Solutions 2016 provides accessible insights into some of the most pressing social problems in the United States and proposes public policy responses to those problems. It offers recommendations for action around key issues for social justice.
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Wealth and Our Commonwealth

Why America Should Tax Accumulated Fortunes

Author: William H. Gates,Chuck Collins

Publisher: Beacon Press

ISBN: 9780807047194

Category: Business & Economics

Page: 166

View: 4317

The father of the billionaire founder of Microsoft and a tax advocate offer a defense of the controversial estate tax and argue against the proposed repeal of this transfer tax imposed on large accumulations of wealth at the death of the owners.
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The Test

Why Our Schools are Obsessed with Standardized Testing But You Don't Have to Be

Author: Anya Kamenetz

Publisher: PublicAffairs

ISBN: 1610394429

Category: Education

Page: 272

View: 6274

No sooner is a child walking and talking than the ABCs and 1-2-3s give way to the full-on alphabet soup: the ERBs, the OLSAT, the IQ, the NCLB for AYP, the IEP for ELLs, the CHAT and PDDST for ASD or LD and G&T or ADD and ADHD, the PSATs, then the ACTs and SATs—all designed to assess and monitor a child's readiness for education. In many public schools, students are spending up to 28% of instructional time on testing and test prep. Starting this year, the introduction of the Common Core State Standards Initiative in 45 states will bring an unprecedented level of new, more difficult, and longer mandatory tests to nearly every classroom in the nation up to five times a year—forcing our national testing obsession to a crisis point. Taxpayers are spending extravagant money on these tests—up to 1.4 billion per year—and excessive tests are stunting children's spirits, adding stress to family life, and slowly killing our country's future competitiveness. Yet even so, we still want our kids to score off the charts on every test they take, in elementary school and beyond. And there will be a lot of them. How do we preserve space for self-directed learning and development, while also asking our children to make the score and make a mark? This book is an exploration of that dilemma, and a strategy for how to solve it. The Test explores all sides of this problem—where these tests came from, why they're here to stay, and ultimately what you as a parent or teacher can do. It introduces a set of strategies borrowed from fields as diverse as games, neuroscience, social psychology, and ancient philosophy to help children do as well as they can on tests, and, just as important, how to use the experience of test-taking to do better in life. Like Paul Tough's bestseller How Children Succeed, it illuminates the emerging science of grit, curiosity and motivation, but takes a step further to explore innovations in education—emerging solutions to the over-testing crisis—that are not widely known but that you can adapt today, at home and at school. And it presents the stories of families of all kinds who are maneuvering within and beyond the existing educational system, playing and winning the testing game. You'll learn, for example, what Bill Gates, a strong public proponent of testing, does to stoke self-directed curiosity in his children, and how Mackenzie Bezos, wife of Amazon founder Jeff Bezos and mother of three, creates individualized learning experiences for each of her children. All parents want their children to be successful, and their schools to deliver true opportunities. Yet these goals are often as likely to result in stress and arguments as actual progress. The Test is a book to help us think about these problems, and ultimately, move our own children towards the future we want for them, from elementary to high school and beyond.
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Perfectly Legal

The Covert Campaign to Rig Our Tax System to Benefit the Super Rich--and Cheat Everybody Else

Author: David C. Johnston

Publisher: Penguin

ISBN: 9781591840695

Category: Business & Economics

Page: 340

View: 9081

Identifies practices of discreet lobbying and tax policy manipulation that have been occurring since the mid 1970s and how they have resulted in benefits for the wealthiest people in American society, identifying ways in which the working class is being made to pay the majority of the nation's income taxes. Reprint.
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The People's Pension

The Struggle to Defend Social Security Since Reagan

Author: Eric Laursen

Publisher: AK Press

ISBN: 1849351015

Category: Political Science

Page: 818

View: 2203

Explores the potential benefits of a government-independent, democratized Social Security system to support dependents suffering from the reduction of other government benefits.
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The Legalized Crime of Banking

Author: Silas Walter Adams

Publisher: N.A

ISBN: 9781910220214

Category: Business & Economics

Page: 300

View: 1709

The Legalized Crime of Banking is a simple story of The Federal Reserve System, dealing principally with the unconstitutional creation of money and the control of credit by private corporations. The author suggests a concrete, simple solution, which Congress could employ, which would make the transition from private banking to the Treasury without injuring anyone enjoying a constitutional right, or without upsetting our normal course of trade, industry, and agriculture.
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Rich Is Not a Four-Letter Word

How to Survive Obamacare, Trump Wall Street, Kick-start Your Retirement, and Achieve Financial Success

Author: Gerri Willis

Publisher: Crown Forum

ISBN: 1101903805

Category: Business & Economics

Page: 272

View: 9514

In a fiery polemic on our personal finances, Gerri Willis, anchor and personal finance correspondent for Fox Business News, reveals how liberal policy has decimated our wallets. In Rich Is Not a Four-Letter Word, veteran financial journalist and pundit Gerri Willis takes on the progressive mind-set championed by liberals that gives government bureaucrats the right to decide what's best for us, resulting in bigger government programs, more bureaucracy, and more wasted taxpayer money. She dissects Obamacare and Democratic tax initiatives to show how they have hamstrung the average American. Then she shows us how to overcome these left wing financial hurdles and grow our nest eggs, despite the political pickpocketing from Washington. Among the topics she tackles in the book: · How the progressive agenda has robbed Americans of their financial freedom (a new Blackrock survey shows that 4 out of 10 Americans haven't even started saving for retirement)--and how to get it back; · How the wide-open spigot of college loan dollars has encouraged college administrators to boost tuition each and every year--and how we can successfully navigate the system; · How, with a stroke of President Obama's pen, company-sponsored health-care coverage was put on deathwatch, as companies have begun to abandon employee health-care coverage and opt to pay a less expensive federal penalty; · Why the knee-jerk progressive response to the 2008 market crash and subsequent recession has acted as an albatross on the shoulders of American corporations, keeping corporate tax rates at sky high levels among Western nations--and what we can do to create jobs and jumpstart the economy.
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The Economics of Aging

Author: James H. Schulz

Publisher: ABC-CLIO

ISBN: 9780865692954

Category: Business & Economics

Page: 363

View: 9354

Provides current, up-to-date information on a rapidly changing field.
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The Accordion Family

Boomerang Kids, Anxious Parents,and the Private Toll of Global Competition

Author: Katherine S. Newman

Publisher: Beacon Press

ISBN: 0807007447

Category: Social Science

Page: 320

View: 2596

Why are adults in their twenties and thirties boomeranging back to or never leaving their parents' homes in the world's wealthiest countries? Acclaimed sociologist Katherine Newman addresses this phenomenon in this timely and original book that uncovers fascinating links between globalization and the failure-to-launch trend. With over 300 interviews conducted in six countries, Newman concludes that nations with weak welfare states have the highest frequency of accordion families. She thoughtfully considers the positive and negative implications of these new relationships and suggests that as globalization reshapes the economic landscape it also continues to redefine our private lives.
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