"Garon's insightful and provocative new book couldn't be more important, and couldn't be more timely. The prosperity of Americans, and America, now depends on creating a nation of savers and investors, and Garon shows us the way by bringing the experience and lessons of nations worldwide right into our hands."--Ray Boshara, senior fellow, "New America Foundation."

If the financial crisis has taught us anything, it is that Americans save too little, spend too much, and borrow excessively. What can we learn from East Asian and European countries that have fostered enduring cultures of thrift over the past two centuries? "Beyond Our Means" tells for the first time how other nations aggressively encouraged their citizens to save by means of special savings institutions and savings campaigns. The U.S. government, meanwhile, promoted mass consumption and reliance on credit, culminating in the global financial meltdown. Many economists believe people save according to universally rational calculations, saving the most in their middle years as they plan for retirement, and saving the least in welfare states. In reality, Europeans save at high rates despite generous welfare programs and aging populations. Americans save little, despite weaker social safety nets and a younger population. Tracing the development of such behaviors across three continents from the nineteenth century to today, this book highlights the role of institutions and moral suasion in shaping habits of saving and spending. It shows how the encouragement of thrift was not a relic of indigenous traditions but a modern movement to confront rising consumption. Around the world, messages to save and spend wisely confronted citizens everywhere--in schools, magazines, and novels. At the same time, in America, businesses and government normalized practices of living beyond one's means. Transnational history at its most compelling, "Beyond Our Means" reveals why some nations save so much and others so little.

Despite the fact that they are often crucial to our understanding, the vague, ineffable elements of language use and communication have received much less attention from linguists than the more concrete, effable ones. This has left a range of important questions unanswered. How might we account for the communication of non-propositional phenomena such as moods, emotions and impressions? What type of cognitive response do these phenomena trigger, if not conceptual or propositional? Do creative metaphors and unknown words in second languages and other ‘pointers’ to ‘conceptual regions’ communicate concepts learned from language alone? How might the descriptive ineffability of interjections, free indirect speech etc. be accommodated within a theory of communication? What of those working on the aesthetics of artworks, music and literature? What can evolution tell us about ineffability? The papers in this volume address these fascinating questions head-on. They represent a range of different attempts to answer them and, in so doing, allow us to pose exciting new questions. The aim, to bring the ineffable firmly within the grasp of theoretical pragmatics.

*"This superb anthology of short stories, comics, and poems is fresh, funny, and full of authentic YA voices revealing what it means to be Mexican American . . . Not to be missed."--SLC, starred review *"Superlative . . . A memorable collection." --Booklist, starred review *"Voices reach out from the pages of this anthology . . . It will make a lasting impression on all readers." --SLJ, starred review Twenty stand-alone short stories, essays, poems, and more from celebrated and award-winning authors make up this YA anthology that explores the Mexican American experience. With works by Francisco X. Stork, Guadalupe Garcia McCall, David Bowles, Rubén Degollado, e.E. Charlton-Trujillo, Diana López, Xavier Garza, Trinidad Gonzales, Alex Temblador, Aida Salazar, Guadalupe Ruiz-Flores, Sylvia Sánchez Garza, Dominic Carrillo, Angela Cervantes, Carolyn Dee Flores, René Saldaña Jr., Justine Narro, Daniel García Ordáz, and Anna Meriano. In this mixed-media collection of short stories, personal essays, poetry, and comics, this celebrated group of authors share the borders they have crossed, the struggles they have pushed through, and the two cultures they continue to navigate as Mexican Americans. Living Beyond Borders is at once an eye-opening, heart-wrenching, and hopeful love letter from the Mexican American community to today's young readers. A powerful exploration of what it means to be Mexican American.

Wealth Management for the Soul: a four part plan for financially oriented people in spiritual crisis and spiritually oriented people in financial crisis.

Since the 1973 publication of Gustavo Gutiérrez’s groundbreaking work A Theology of Liberation, liberation theology's central premise of the preferential option for the poor has become one of the most important yet controversial theological themes of the twentieth century. As the situation for many of the world’s poor worsens, it becomes ever more important to ensure that the option for the poor remains not only a vibrant theological concept but also a practical framework for living out the gift and challenge of Christian faith. The Preferential Option for the Poor beyond Theology draws on a diverse group of contributors to explore how disciplines as varied as law, economics, politics, the environment, science, liberal arts, film, and education can help us understand putting a commitment to the option for the poor into practice. The central focus of the book revolves around the question: How can one live a Christian life in a world of destitution? The contributors address the theological concept of the option for the poor as well as the ways it can shape our social, economic, political, educational, and environmental approaches to poverty. Their creative examples serve as an inspiration to all those who are seeking to put their talents at the service of human need and the building of a more just and humane world.

Two world-renowned strategists detail the seven leadership imperatives for transforming companies in the new digital era. Digital transformation is critical. But winning in today's world requires more than digitization. It requires understanding that the nature of competitive advantage has shifted—and that being digital is not enough. In Beyond Digital, Paul Leinwand and Matt Mani from Strategy&, PwC's global strategy consulting business, take readers inside twelve companies and how they have navigated through this monumental shift: from Philips's reinvention from a broad conglomerate to a focused health technology player, to Cleveland Clinic's engagement with its broader ecosystem to improve and expand its leading patient care to more locations around the world, to Microsoft's overhaul of its global commercial business to drive customer outcomes. Other case studies include Adobe, Citigroup, Eli Lilly, Hitachi, Honeywell, Inditex, Komatsu, STC Pay, and Titan. Building on a major new body of research, the authors identify the seven imperatives that leaders must follow as the digital age continues to evolve: Reimagine your company's place in the world Embrace and create value via ecosystems Build a system of privileged insights with your customers Make your organization outcome-oriented Invert the focus of your leadership team Reinvent the social contract with your people Disrupt your own leadership approach Together, these seven imperatives comprise a playbook for how leaders can define a bolder purpose and transform their organizations.