Manual America on the Brink: The Next Added 100 Million Americans

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This is a veritable cannonade of a book. Wooldridge targets the people and institutions, from the President on down, who refuse to look at the consequences of population growth in the modern era. His focus is on the United States, but his range is the world. He fearlessly addresses issues that politicians fear to mention, such as the effects of mass immigration on our population future and our social systems.


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He engages to force population issues into our local and national political decisions. It will give you answers that you may not have thought about. It will touch your heart and you will learn from their experiences.

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Immigration, both legal and illegal, will determine if America is to survive as a viable, prosperous nation into the 21 st Century or sink into the depths of poverty. Wooldridge offers a thorough examination of this topic with exhaustive research and critical thinking. Hampshire, President, Advanced Health Group.

See book review. Purchase this book from: AuthorHouse. See preview. Barnes and Noble. The author mixes hope with adventure, pain with courage and bicycling with mountains. John Brown, a friend left behind to battle cancer, provides guts and heart for his two friends who ride into the teeth of nature's fury. Along the way, you'll laugh, cry and gain new appreciations while pondering the meaning of life.

This poignant story is important reading for every teen who has ever experienced the loss of a parent from either death or divorce. This is the story of a boy losing his father and growing through his sense of pain and loss. It is the story of baseball - a game that was shared by both the boy and his father - and how baseball is much like life. Bicycling touring is growing in popularity each year. Men and women around the world are taking to the highways and the "open air" is their kitchen. On the pages of this book, you'll discover how to buy, carry, prepare, and store food while on tour.

Discover the 'ins and outs' with a "Bakers Dozen" of touring tips that are essential for successful bicycle adventuring. Whether you're going on a weekend ride, a week-long tour, or two years around the world, this handbook will help you learn the artistry of bicycling and cooking. This book mesmerizes readers with animal stories that bring a smile to your face. It will pain your mind and heart seeing the Third World. It chills you with a once-in-a-lifetime ride in Antarctica where you'll meet a family of Emperor penguins.

Along the way, you'll find out that you have to go without a mirror, sometimes, in order to see yourself. The greatest aspect of this book comes from--expectation!

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You'll have the right bike, equipment, money and tools to ride into your own long distance touring adventures. If you like bicycling, you'll go wild reading this book. If you don't like bicycling, you'll still go wild reading this book. Trevor and Dan resemble another dou rich in America's history of youthful explorers who get into all kinds of trouble - Tom Sawyer and Huckleberry Finn.

They plied the Mississippi River, but Dan and his brother push their machines into a wild and savage land--Alaska. My boys loved it. Hang on to your seat belts--you're in for a wild ride where the bolt goes into the bottom of the world. ISBN sc. In that agonizing desert, a man's mouth became so dry, he couldn't spit.

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I felt the heat cook my hooves at ground level where it felt like walking alone in the middle of a farrier's furnace. Above us, vultures soared in the skies searching for road-kill. Yet, Howard pulled down the brim of his hat and pushed forward. I followed this cowboy because he was a Long Rider and I was his horse You'll enjoy horse sense, horse humor, unique characters and ride the wild wind. I know what it is like to dread going to the mailbox, because there will always be new bills to pay but seldom a check with which to pay them.

And I know what it is like to have to borrow money from my adult daughters because my wife and I ran out of heating oil. I like to think I appear reasonably prosperous. I have had a passably good career as a writer—five books, hundreds of articles published, a number of awards and fellowships, and a small very small but respectable reputation. I am nowhere near rich, but I have typically made a solid middle- or even, at times, upper-middle-class income, which is about all a writer can expect, even a writer who also teaches and lectures and writes television scripts, as I do.

In truth, it may be more embarrassing than sexual impotence. To struggle financially is a source of shame, a daily humiliation—even a form of social suicide. Silence is the only protection. So I never spoke about my financial travails, not even with my closest friends—that is, until I came to the realization that what was happening to me was also happening to millions of other Americans, and not just the poorest among us, who, by definition, struggle to make ends meet. It was, according to that Fed survey and other surveys, happening to middle-class professionals and even to those in the upper class.

It was happening to the soon-to-retire as well as the soon-to-begin. It was happening to college grads as well as high-school dropouts. It was happening all across the country, including places where you might least expect to see such problems. They had unemployment statistics and income differentials and data on net worth, but none of these captured what was happening in households trying to make a go of it week to week, paycheck to paycheck, expense to expense. According to Johnson, economists have long theorized that people smooth their consumption over their lifetime, offsetting bad years with good ones—borrowing in the bad, saving in the good.

But recent research indicates that when people get some money—a bonus, a tax refund, a small inheritance—they are, in fact, more likely to spend it than to save it. Many of us, it turns out, are living in a more or less continual state of financial peril. So if you really want to know why there is such deep economic discontent in America today, even when many indicators say the country is heading in the right direction, ask a member of that 47 percent. Ask me.

Financial impotence goes by other names: financial fragility, financial insecurity, financial distress.

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But whatever you call it, the evidence strongly indicates that either a sizable minority or a slim majority of Americans are on thin ice financially. How thin? They found that slightly more than one-quarter could not, and another 19 percent could do so only if they pawned possessions or took out payday loans. That is precisely what Edward Wolff, an economist at New York University and the author of a forthcoming book on the history of wealth in America, did.

Median net worth has declined steeply in the past generation—down And though the bursting of the housing bubble in certainly contributed to the drop, the decline for the lower quintiles began long before the recession—as early as the mids, Wolff says. He found that in , prime-working-age families in the bottom two income quintiles had no net worth at all and thus nothing to spend.

Even in the second-highest quintile, a family could maintain its normal consumption for only 5. Granted, those numbers do not include home equity. Certain groups—African Americans, Hispanics, lower-income people—have fewer financial resources than others. Lusardi, who was quick to point out that a small number of passerby interviews should not be mistaken for social science, was nonetheless struck by the disjuncture between the appearance of the interviewees and their answers. In the s, we have managed to democratize financial insecurity.


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  5. If you ask economists to explain this state of affairs, they are likely to finger credit-card debt as a main culprit. Long before the Great Recession, many say, Americans got themselves into credit trouble. Of course, this figure factors in all the households with a balance of zero. In recent years, while the number of people holding credit-card debt has been decreasing, the average debt for those households carrying a balance has been on the rise. William R.

    America on the Brink By Frosty Wooldridge

    Emmons, an assistant vice president and economist for the Federal Reserve Bank of St. First of Omaha Service Corp.

    The Court ruled that state usury laws, which put limits on credit-card interest, did not apply to nationally chartered banks doing business in those states. That effectively let big national banks issue credit cards everywhere at whatever interest rates they wanted to charge, and it gave the banks a huge incentive to target vulnerable consumers just the way, Emmons believes, vulnerable homeowners were targeted by subprime-mortgage lenders years later. What followed was the so-called Great Moderation, a generation-long period during which recessions were rare and mild, and the risks of carrying all that debt seemed low.

    Both developments affected savings. And put simply, when debt goes up, savings go down. They were using credit as a life raft. The personal savings rate peaked at As of last year, the figure stood at 5. So who is at fault? Some economists say that although banks may have been pushing credit, people nonetheless chose to run up debt; to save too little; to leave no cushion for emergencies, much less retirement. It is ironic that as financial products have become increasingly sophisticated, theoretically giving individuals more options to smooth out the bumps in their lives, something like the opposite seems to have happened, at least for many.

    Lusardi argues that as the financial world has grown more complex, our knowledge of finances has not kept pace. A study she and a colleague conducted measuring knowledge of fundamental financial principles compound interest, risk diversification, and the effects of inflation found that 65 percent of Americans ages 25 to 65 were financial illiterates.

    Choice, often in the face of ignorance, is certainly part of the story. Take me. I plead guilty. I am a financial illiterate, or worse—an ignoramus. I chose to become a writer, which is a financially perilous profession, rather than do something more lucrative.