In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom. Inside Dear Debt you will learn to: • Find the debt repayment strategy most effective for your needs • Avoid spending temptations by knowing your triggers • Replace expensive habits with cheaper alternatives • Become a frugal friend without being rude • Start a side hustle to boost your current income • Negotiate your salary to maximize value • Develop a financial plan for life after debt

"WE REQUIRE A DIFFERENT BATTLEFIELD."Nobody expected the war to last three hours, let alone three years. The star system of Archangel holds the line against invading corporate fleets, but a quarter of its territory is already lost. The navy can't hang on much longer. Faced with this grim truth, Archangel's leaders shift their strategy to diplomacy and espionage. For both arenas, they call upon a reluctant weapon: a frontline grunt named Tanner Malone.These days, Tanner doesn't aspire to win the war. He merely wants to survive it. Now he'll be thrust into the center of events once again, pulled back and forth from covert missions to the media spotlight. Yet with every battle, he gets closer to the old enemy hidden in the shadows, and the ugly truth about the war that could unravel everything Archangel might hope to win.

Life/Death Rhythms of Capitalist Regimes Debt before Dishonour explores the cyclical theory of cultural development, with particular attention paid to the introduction of democratic forms of government in the British Empire and the United States republic. The cyclical theory allows a forecast of the fading of the dominance of the United States as an imperial power. Similar to cultural survival of the loss of dominance experienced by the British Empire after the Great War, the United States will survive in a new form. Which superpower will take over the reins remains to be seen, but the likely contender is the Peoples Republic of China. This conclusion and the timing will allow long-term planning by corporations and governments. In the age of political correctness, it is unlikely that readers will experience any such forecasts by government bodies. Throughout history, societies have used and abused debt, revolted and warred over debt, and have forbidden usury. But the modern financial world as we know it simply cannot exist without usury. Since the 1400s, modern governments have found new ways to expand debt to produce modern economies, which are still subject to the age-old basic principle of debt that it needs to be repaid or dire consequences ensue. Those who cannot remember the past are condemned to repeat it. George Santayana (1863 1952)

A New York Times Bestseller A Wall Street Journal Bestseller A New York Times Notable Book of 2020 A New York Times Book Review Editors’ Choice Shortlisted for the Financial Times and McKinsey Business Book of the Year A New Statesman Book to Read From economist Anne Case and Nobel Prize winner Angus Deaton, a groundbreaking account of how the flaws in capitalism are fatal for America's working class Deaths of despair from suicide, drug overdose, and alcoholism are rising dramatically in the United States, claiming hundreds of thousands of American lives. Anne Case and Angus Deaton explain the overwhelming surge in these deaths and shed light on the social and economic forces that are making life harder for the working class. As the college educated become healthier and wealthier, adults without a degree are literally dying from pain and despair. Case and Deaton tie the crisis to the weakening position of labor, the growing power of corporations, and a rapacious health-care sector that redistributes working-class wages into the pockets of the wealthy. This critically important book paints a troubling portrait of the American dream in decline, and provides solutions that can rein in capitalism's excesses and make it work for everyone.

Life/Death Rhythms of Capitalist RegimesDebt before Dishonour explores the cyclical theory of cultural development, with particular attention paid to the introduction of democratic forms of government in the British Empire and the United States republic. The cyclical theory allows a forecast of the fading of the dominance of the United States as an imperial power. Part I provides the abbreviated historical background from 3000BC to AD1400. Similar to cultural survival of the loss of dominance experienced by the British Empire after the Great War, the United States will survive in a new form. Which superpower will take over the reins remains to be seen, but the likely contender is the Peoples Republic of China. This conclusion and the timing will allow long-term planning by corporations and governments. In the age of political correctness, it is unlikely that readers will experience any such forecasts by government bodies. Throughout history, societies have used and abused debt, revolted and warred over debt, and have forbidden usury. But the modern financial world as we know it simply cannot exist without usury. Since the 1400s, modern governments have found new ways to expand debt to produce modern economies, which are still subject to the age-old basic principle of debtthat it needs to be repaid or dire consequences ensue. Those who cannot remember the past are condemned to repeat it. George Santayana (18631952)

When the end of life makes its inevitable appearance, people should be able to expect reliable, humane, and effective caregiving. Yet too many dying people suffer unnecessarily. While an "overtreated" dying is feared, untreated pain or emotional abandonment are equally frightening. Approaching Death reflects a wide-ranging effort to understand what we know about care at the end of life, what we have yet to learn, and what we know but do not adequately apply. It seeks to build understanding of what constitutes good care for the dying and offers recommendations to decisionmakers that address specific barriers to achieving good care. This volume offers a profile of when, where, and how Americans die. It examines the dimensions of caring at the end of life: Determining diagnosis and prognosis and communicating these to patient and family. Establishing clinical and personal goals. Matching physical, psychological, spiritual, and practical care strategies to the patient's values and circumstances. Approaching Death considers the dying experience in hospitals, nursing homes, and other settings and the role of interdisciplinary teams and managed care. It offers perspectives on quality measurement and improvement, the role of practice guidelines, cost concerns, and legal issues such as assisted suicide. The book proposes how health professionals can become better prepared to care well for those who are dying and to understand that these are not patients for whom "nothing can be done."

The emerging markets have attained prominence of late as the recent troubles in the principal emerging markets in Asia, Russia and Latin America have threatened global stability. This book is the first detailed study of emerging markets debt and offers a unique insight into one of the world's more significant, and less understood, financial markets. It offers a comprehensive analysis of the evolution of the market in emerging markets debt from 1983 to date. In the aftermath of the debt crisis of the 1980s the banking community discovered the first disposal technique for the sovereign debt of less developed countries andndash; a secondary market in that debt. This market played a major role in the history and amelioration of the debt crisis, the Mexican problems in the mid-1990s, and the recent Asian economic crisis. The market focus of this study is on the indebtedness of Latin American nations, which has formed the backbone of secondary market activity, and the recent developments in Asia. The regulatory focus is on U.S. banks and banking regulation. This book is essential reading for anyone involved with emerging markets debt: bankers, traders, investors, corporate and sovereign issuers, finance lawyers and banking regulators.