Bøger udgivet af Harper Business

?At the core, Hit Refresh, is about us humans and the unique quality we call empathy, which will become ever more valuable in a world where the torrent of technology will disrupt the status quo like never before.? ? Satya Nadella from Hit Refresh?Satya has charted a course for making the most of the opportunities created by technology while also facing up to the hard questions.? ? Bill Gates from the Foreword of Hit Refresh The New York Times bestseller Hit Refresh is about individual change, about the transformation happening inside of Microsoft and the technology that will soon impact all of our lives?the arrival of the most exciting and disruptive wave of technology humankind has experienced: artificial intelligence, mixed reality, and quantum computing. It's about how people, organizations, and societies can and must transform and ?hit refresh? in their persistent quest for new energy, new ideas, and continued relevance and renewal. Microsoft's CEO tells the inside story of the company's continuing transformation, tracing his own personal journey from a childhood in India to leading some of the most significant technological changes in the digital era. Satya Nadella explores a fascinating childhood before immigrating to the U.S. and how he learned to lead along the way. He then shares his meditations as a sitting CEO?one who is mostly unknown following the brainy Bill Gates and energetic Steve Ballmer. He tells the inside story of how a company rediscovered its soul?transforming everything from culture to their fiercely competitive landscape and industry partnerships. As much a humanist as engineer and executive, Nadella concludes with his vision for the coming wave of technology and by exploring the potential impact to society and delivering call to action for world leaders. ?Ideas excite me,? Nadella explains. ?Empathy grounds and centers me.? Hit Refresh is a set of reflections, meditations, and recommendations presented as algorithms from a principled, deliberative leader searching for improvement?for himself, for a storied company, and for society.

When it comes to money, are you controlled by fear? Do you underestimate your worth? Are you ready to go to the next level, but can't seem to get there?If you answered yes to any of these questions, you may be an underearner. Underearners are self-saboteurs who don't live up to their earnings potential, says Barbara Stanny, a financial educator, motivational speaker, and career counselor. Whether they make $10 an hour or six figures a year, they tend to live paycheck to paycheck, are often in debt, and have a high tolerance for low pay. Ironically, many work incredibly hard. The good news is that underearning is a self-imposed condition. By focusing on overcoming it, underearners will not only earn what they deserve, but live a richer life. With techniques and exercises that have helped thousands of people, Stanny teaches five essential steps to financial independence and brings a message of empowerment to all those who chronically undervalue themselves.

The story of the visionary young widow who built a champagne empire, showed the world how to live with style, and emerged a legendVeuve Clicquot champagne epitomizes glamour, style, and luxury. But who was this young widow--the Veuve Clicquot--whose champagne sparkled at the courts of France, Britain, and Russia, and how did she rise to celebrity and fortune?In "The Widow Clicquot," Tilar J. Mazzeo brings to life--for the first time--the fascinating woman behind the iconic yellow label: Barbe-Nicole Clicquot Ponsardin. A young witness to the dramatic events of the French Revolution and a new widow during the chaotic years of the Napoleonic Wars, Barbe-Nicole defied convention by assuming--after her husband's death--the reins of the fledgling wine business they had nurtured. Steering the company through dizzying political and financial reversals, she became one of the world's first great businesswomen and one of the richest women of her time. Although the Widow Clicquot is still a legend in her native France, her story has never been told in all its richness--until now. Painstakingly researched and elegantly written, "The Widow Clicquot" provides a glimpse into the life of a woman who arranged clandestine and perilous champagne deliveries to Russia one day and entertained Napoleon and Josephine Bonaparte on another. She was a daring and determined entrepreneur, a bold risk taker, and an audacious and intelligent woman who took control of her own destiny when fate left her on the brink of financial ruin. Her legacy lives on today, not simply through the famous product that still bears her name, but now through Mazzeo's finely crafted book. As much a fascinating journey through the process of making this temperamental wine as a biography of a uniquely tempered woman, "The Widow Clicquot" is utterly intoxicating.

One of Barack Obama's longest-serving speechwriters reveals the public speaking lessons that will help you become a more confident and compelling communicator and leader.As a White House speechwriter, Terry Szuplat helped craft hundreds of speeches for President Obama. But when it came to public speaking himself, Szuplat--like many people--was gripped by anxiety and preferred to stay in the shadows. When he was invited to give the first major speech of his life, he faced a choice: keep hiding from what scared him, or finally face his fears.In Say It Well, Szuplat shares the life-changing lessons he learned from Barack Obama--one of the most admired speakers of our time--and how he applied these techniques to become a better speaker himself. In every chapter, he shares never-before-heard advice from Obama on speaking well, along with riveting behind-the-scenes stories of writing for a president--so you can master every step of public speaking, including: - Tips for overcoming stage fright- Best practices for using artificial intelligence to compose a memorable speech- Attention-grabbing openings to pull in any audience- Framing techniques to make your arguments more persuasive - Scientifically-proven ways to inspire people to action and to create the change you want- Tricks for editing, polishing, and practicing your words for maximum impact- The only way to end any great speechAlong the way, Szuplat introduces you to remarkable people from all walks of life--students, advocates, business executives, veterans--who have used these techniques to give speeches that have gone viral and inspired millions of people around the world. At a time of division and distrust, Say It Well also shows how we can all speak with the empathy, civility, and honesty that we need now more than ever.In sharing his journey to find his own voice, Szuplat will help you find yours. Written with humor and warmth, this is your new guide to the art of public speaking. And the next time you speak--whether you're giving a toast or a eulogy for a loved one, a presentation at work, or an impassioned appeal for a cause you care about--not only will you know what to say, you'll know how to say it well..

A groundbreaking work challenging the false narrative that diversity equals a lack of qualifications by uncovering the impact of "competency checking, " a practice that unjustly scrutinizes Black people and other people of color, forcing them to repeatedly prove their worth, intelligence, and even their right to be in the workplace.The advancement of Black and other people of color in the workplace is under attack as there is a turn away from the promise of the "racial reconciliation" of 2020. This period saw Black talent rise in the workplace from DEI managers to CEOs to junior-level hires. Yet, the post-2020 workplace is seeing an alarming retreat from creating workplaces and leadership that reflect the nation's diversity.That retreat is characterized by underemployment, cracked glass cliffs, toxic work environments, and claims of "empty pipelines." More concerning, Black professionals and other people of color often face greater scrutiny than their peers regarding job applications, work experience, and qualifications to even be considered for employment or advancement. And that scrutiny has a name: Competency Checking.When it comes to hiring Black talent, the pipeline isn't broken; rather, it is the assumptions we make about who is competent and qualified. In Qualified, award-winning executive and journalist Shari Dunn combines deep research with enlightening interviews and anecdotes from across the broad spectrum of her career to uncover the history of Competency Checking, how it manifests in the workplace, and what can be done to change it. Competency checking, Dunn argues, continues to be practiced consciously and unconsciously and is the key reason why Black people and other people of color are underrepresented in so many industries and why there continues to be a revolving door of Black talent even after the hiring surges of 2020.

An engaging and rigorous exploration of the science of being inspiring, offering compelling stories, fascinating research, and practical tips for addressing the common problems and dilemmas we face every day--showing how all of us, regardless of status or circumstance, can be more inspiring more of the time in our lives. There are two kinds of leaders that populate the world: those who inspire, and those who infuriate. Inspiring leaders elevate, motivate, and guide us to become a better version of ourselves. Infuriating leaders, conversely, cause frustration and resentment instead of agreement and action. Together, inspiring and infuriating leaders represent a universal continuum that is rooted in the very architecture of the human brain. But inspiring leaders aren't born. Instead, we inspire or infuriate in any given moment through our behavior, words, and presence.Social psychologist and leadership expert Adam Galinsky has spent his career building a quantifiable method of determining who is inspiring versus who is infuriating, and where various leaders--presidents, CEOs, coaches, teachers, parents, and a wealth of others--currently land. In this captivating book, Galinsky identifies the three universal characteristics of truly inspiring leaders: Visionaries offer a big-picture, optimistic, and accessible vision of the futureExemplars are courageous and calm protectors, expressing authentic passion, while remaining consistent in word and deedMentors encourage, empower, and challenge othersDrawing on decades of scientific studies and global consulting experiences, Galinsky presents an elegant yet profound approach to building leadership skills that anyone can use to fuel motivation, innovation, and cooperation. For current and aspiring leaders alike, Inspire is an invaluable guide to becoming not only a leader but an effective decision maker, a wise problem-solver, a value-creating negotiator, a fair allocator, and an inclusive and ethical guide.

Two former Harvard faculty--one an internationally-recognized negotiator and conflict management expert from Harvard Law, the other a leading behavioral neurologist and cutting-edge scientist from Harvard Med--join forces to introduce conflict resilience: the radical act of sitting in and growing from conflict to break the bad habits that sabotage our politics, workplaces, and most important relationships. Conflict is getting the better of us.From our homes and community centers to C-Suites and Congress, disagreements are happening everywhere, with increasing frequency, and are being treated like zero-sum games that allow little margin for error and even less room for productive conversations. This puts a tremendous and untenable strain on our most important relationships and institutions.Unable or unwilling to negotiate conflict with skill, we ignore it or avoid it for as long as possible; when we are forced to face it, we escalate everyday disagreements and temporary flare-ups as if they're life-and-death. Neither approach addresses underlying issues, promotes stronger relationships, or yields satisfying results.But there is a solution: a combined skillset and mindset that Bob Bordone calls "conflict resilience"--the ability to sit genuinely with and grow from disagreement. In this powerful, hopeful book, he and renowned neurologist Joel Salinas, MD, combine the inner mechanics of conflict--literally what's going on in our bodies and our brains during moments of distress--with a groundbreaking three-step framework for how to navigate it: NAME (& dig deep)EXPLORE (& be brave)COMMIT (& own the conflict)In a time of increasing polarization, where consensus, agreement, and problem-solving can sometimes feel elusive, Conflict Resilience provides practical solutions to a common dilemma: How do you handle disagreements and differences with integrity while finding a way to create strong, deep, and lasting relationships?Conflict Resilience is not another book about conflict resolution, nor is it about problem solving. Conflict Resilience combines practical applications of advanced conflict management and study of the human brain to teach anyone how to turn conflict and negotiation into an act of union. This book provides the most cutting-edge and scientifically-grounded tools for driving agreement when possible and for empowering you to disagree better when the differences cut deep and the relationships matter most. This is a chance to bring people together, and an invitation to radically transform how we interact with our friends and families, our co-workers, our students, and our neighbors--anyone with whom we find ourselves in disagreement.

A veteran of the financial services industry guides you on the path to fiscal enlightenment using ?MoneyZen??her joy-based approach to personal finance that will help you gain peace, confidence, and clarity when it comes to your money.What if everything we've been taught about money and success is wrong?In chasing the American Dream, many of us have lost our way: forgetting to be present with one another, ignoring the richness that can be found in simplicity, spending more time at the office than home, and feeling the compulsion to over-work and out-earn our peers. Veteran financial advisor Manisha Thakor herself fell victim to these habits?at the cost of her mental and physical health.In MoneyZen, Thakor shares stories from her experiences and lessons she's learned, offering a touchstone for what she calls true ?wellth??the convergence of financial and emotional health. No matter your age, occupation, or field, her concept of ?wellth? has the power to help you become zen about money, freeing you from oppressive expectations that promote stress and negativity, including ego, shame, sacrifice, and devotion to the cult of earning.Thakor shows how to spot the signs that you are (unknowingly) in the cult before it's too late; offers a new understanding of ?financial minimalism? that actually gets you more of what you want; introduces ?joy-based spending,? which redefines our concept of budgeting; and so much more.MoneyZen is a soul-baring, life-changing, and refreshing approach to financial wellness. Combining intimate storytelling with practical frameworks for realigning your relationship with money, MoneyZen cuts through the jargon-heavy, logistically oriented language of personal finance and instead provides the information and resources necessary to change your financial life for the better.

LONGLISTED FOR THE FINANCIAL TIMES & MCKINSEY BUSINESS BOOK OF THE YEARONE OF THE ECONOMIST'S BEST BOOKS OF 2021In this compelling story of lies, greed and tarnished idealism, two Wall Street Journal reporters investigate a man who Bill Gates, Western governments, and other investors entrusted with billions of dollars to make profits and end poverty, but who now stands accused of masterminding one of the biggest, most brazen financial frauds ever. Arif Naqvi was charismatic, inspiring, and self-made?all the qualities of a successful business leader. The founder of Abraaj, a Dubai-based private-equity firm, Naqvi was the Key Man to the global elite searching for impact investments to make money and do good. He persuaded politicians he could help stabilize the Middle East after 9/11 by providing jobs and guided executives to opportunities in cities they struggled to find on the map. Bill Gates helped him start a $1 billion fund to improve healthcare in poor countries and the UN and Interpol appointed him to boards. As Pope Francis blessed a move to harness capitalism for the good of the poor, Naqvi won the support of Obama's administration and investors, who compared him to Tom Cruise in Mission: Impossible.In 2018, Simon Clark and Will Louch were contacted by an anonymous whistleblower who said Naqvi had swindled investors out of hundreds of millions of dollars and offered bribes to sustain his billionaire lifestyle. Digging into the claims, Clark and Louch uncovered hundreds of documents and exposed the wrongdoing. In April 2019?months after their exposé broke?Naqvi was arrested on charges of fraud and racketeering, and faces up to 291 years in jail. Populated by a cast of larger-than-life characters and moving across Asia, Africa, Europe and America, The Key Man is the story of how the global elite was duped by a capitalist fairytale. Clark and Louch shine a light on efforts to clean up global capital flows even as opaque private equity firms amass trillions of dollars and offshore tax havens cast a veil of secrecy which prevents regulators, investors and citizens from understanding what's really going on in the finance industry.

In The Skills, award-winning broadcaster Mishal Husain inspires, champions, and encourages women to make their ambitions a reality by focusing on practical skills that make a difference.Gathering together advice for women of all ages, whether they are new graduates, working mothers, or simply seeking a career change, The Skills explains how topresent yourself to maximum effect, in person and online;prepare for quick wins and big moments, and plan for long-term goals;gain confidence and authority;navigate the ups and downs of a long working life; anddevelop strategies for building resilience.Drawing on Mishal's experience, interviews, and experts and inspirational figures such as Hillary Clinton and Malala Yousafzai, The Skills will guide women in honing the abilities they need to thrive in whatever field they choose.

David Kwong has astounded corporate CEOs, TED Talk audiences, and thousands of other hyperrational people?making them see, believe, and even remember whatever he wants them to. Illusion is an ancient art that centers on control: it is the ability to command a room, build anticipation, and appear to work wonders. Illusion works because the human brain is wired to fill the gap between seeing and believing. Successful leaders?like Steve Jobs, Warren Buffett, and Ted Turner?are masters of control and command; they understand how to sway opinion and achieve their goals. In his years of research and practice, David has discovered seven fundamental principles of illusion. With these rules anyone can learn to:Mind the Gap: recognize and employ the perceptual space between your audience's ability to see and their impulse to believe.Load Up: prepare to amaze your audience.Write the Script: discover the importance of shaping the narrative that surrounds your illusion.Control the Frame: explore the real-life value of a magician's best friend: misdirection.Design Free Choice: command your audience by giving them agency.Employ the Familiar: take secret advantage of habits, patterns, and audience expectations.Conjure an Out: develop backup plans that will keep you one, two, three, or more steps ahead of the competition.Inside Spellbound you'll discover a different way to sell your ideas, products, or skills, and make your best shot better than everyone else's.

As a child, Sarah Robb O'Hagan felt destined to become a champion, but her early efforts at sports, in school, and in music failed to reveal a natural superstar. Unwilling to settle for average, she learned through a series of dramatic successes and epic failures to follow her own extremely personal path to success.Sarah climbed the corporate ladder at Virgin Atlantic, Nike, Gatorade, and Equinox?also becoming a wife, mother, and endurance athlete-?and though in her twenties she was fired twice, in her thirties she led the turnaround of a $5 billion Gatorade sports drink business. Her approach has stemmed from personal experience and inspiration from the band of highly accomplished ?Extremers? she met along the way: entrepreneurs, corporate leaders, TV personalities, an Olympic champion downhill skier, a former secretary of state, and even a world-famous tattoo artist. These Extremers helped her recognize that success doesn't come from conforming, hiding weaknesses, or reaching some preplanned destination. Instead, the Extreme You approach is to continuously develop yourself?warts and all?to the max, and to tap your true potential and find your own greatness.In every challenging situation, personal or professional, we feel pressure to conform to accepted norms. But doing so comes with heavy costs: passions stifled, talents ignored, and opportunities squelched. The bolder choice is to embrace Extreme You: to bring all that is distinctive and relevant about yourself to everything you do, and to bring out the Extreme in the people and the culture around you.Inspiring, practical, and laugh-out-loud funny, Extreme You is Sarah's training program for developing the drive, originality, and fierce attitude to become the best version of you.

#1 Wall Street Journal Bestseller and New York Times BestsellerThe acclaimed authors of Winning show you how to galvanize performance, unleash growth, build "wow" teams, and create a fulfilling career?and have fun while you're at it.In an economy that is changing so rapidly it can feel impossible to keep up, questions abound: Why do some companies grow and thrive amid the tumult, while others stagnate and stumble? What's the best way to avoid a competitive whack, or to come back from one if you get hit? How can leaders unlock the passion and performance of every person on their team, including the tech "geniuses" whose work they don't fully understand, the "virtual" employees they don't really see or know, and the entrepreneur wannabes with one foot out the door? And on a personal level, you may be asking yourself: Will I ever land the dream job that I am destined for? Or will I forever be stuck in career purgatory? Why is finding the right career suddenly so complicated?Experts espouse theories and concepts, but when it gets right down to it, winning in business is all about mastering the gritty, make-or-break real-life dilemmas that define the new economy, the old economy, and everything in between. In The Real-Life MBA, Jack and Suzy Welch provide that guidance, drawing on their experiences over the past decade working closely with businesses of every size and in every industry around the world. The result is a book full of fresh, immediately applicable, sometimes even counterintuitive lessons about how to create great organizations, build high-powered teams, and forge fulfilling careers in today's new business environment.

Based on more than two hundred interviews with current and former executives, business partners, Apple watchers, and others, Haunted Empire is an illuminating portrait of Apple today?without the legendary Steve Jobs?that offers clues to its future. With nuanced insights and colorful details that only a seasoned journalist could glean, Wall Street Journal technology reporter Yukari Iwatani Kane goes beyond the myths and headlines. She explores CEO Tim Cook's leadership and its impact on Steve Jobs's loyal lieutenants, new product development, and Apple's relationships with Wall Street, the government, tech rivals, suppliers, the media, and consumers.Hard-hitting yet fair, Haunted Empire reveals the perils and opportunities an iconic company faces when it loses its visionary leader.

We've got a problem?our most talented and educated young people aren't building things. They're not starting or joining innovative companies that are addressing crises in education, energy, or transportation. Meanwhile, in recovering cities such as Detroit, New Orleans, and Baltimore, promising startups and growth companies representing the next generation of job creation are desperate to attract the talent they need to expand and thrive.Imagine if the same people who are currently heading to Wall Street were instead joining startups and early-stage companies throughout the United States. How long would it take before they positively impacted job creation and economic competitiveness? Knowing firsthand why the current vision of education and career paths isn't functioning properly, Andrew Yang has set out to fix this problem. As the founder and CEO of Venture for America, he places top college graduates in startups for two years in emerging U.S. cities to generate job growth and train a new generation of entrepreneurs. In Smart People Should Build Things, this self-described "recovering lawyer" and entrepreneur has woven together a compelling narrative of success stories (including his own), offering observations about the flow of talent in the United States, and explaining why current trends are leading to economic distress and cultural decline. He also presents recommendations for both policy makers and job seekers that will make entrepreneurship more realistic and attainable. The country needs teams of committed builders to create value and restore the culture, and Smart People Should Build Things is about how we can get there.

Get Ready for the Real WorldHow do you get a job without experience and get experience without a job? It's the question virtually every college student or recent graduate faces. Now newly revised and updated, Lindsey Pollak's Getting from College to Career is the definitive guide to building the experience, skills, and confidence you need to succeed in the job search, offering action-oriented tips and strategies ranging from the simple to the expert. Learn how to: Get the best tools for career prep and job hunting E-mail like a professional Go global Practice the eight essentials of internship achievement Perform five minutes of stand-up Overprepare for interviews Persist without being a pestGetting from College to Career gives you the essential information and guidance you need to get your foot in the door of the real world. Don't start your first job search without it!

This expert, one-of-a-kind handbook shows you how to ensure that your inheritance instructions will be carried out the way you want them to be; protect your children's inheritance from creditors, ex-spouses, addictions, tax troubles, mismanagement, squandering, and other risks of loss; prevent family conflict that can arise when parents die and children divide the "family money"; leave more money to your children and grandchildren, and less to the IRS; avoid creating inheritance problems in your family with "cautionary tales" of inheritance planning gone bad; understand why you still have to deal with estate tax issues even if your net worth falls below the new death-tax-exemption.

The reach of Corporations into our lives via cards and apps has never been greater; many of us rarely use cash these days. But what we're told is a natural and inevitable move is actually the work of powerful interests. And the great battle of our time is the battle for ownership of the digital footprints that make up our lives.In Cloudmoney, Brett Scott tells an urgent and revelatory story about how the fusion of Big Finance and Big Tech requires ?cloudmoney??digital money underpinned by the banking sector?to replace physical cash. He dives beneath the surface of the global financial system to uncover a long-established lobbying infrastructure: an alliance of partners waging a covert war on cash. He explains the technical, political, and cultural differences between our various forms of money and shows how the cash system has been under attack for decades, as banking and tech companies promote a cashless society under the banner of progress.Cloudmoney takes us to the front lines of a war for our wallets that is also about our freedom, from marketing strategies against cash to the weaponization of COVID-19 to push fintech platforms, and from there to the rise of the cryptocurrency rebels and fringe groups pushing back. It asks the most pressing questions:Who benefits from a cashless society and who gets left behind?Is the end of cash the end of true privacy?And is our cloudmoney future closer than we think it is?

The classic #1 New York Times bestseller that answers the age-old questionWhy is incompetence so maddeningly rampant and so vexingly triumphant?The Peter Principle, the eponymous law Dr. Laurence J. Peter coined, explains that everyone in a hierarchy?from the office intern to the CEO, from the low-level civil servant to a nation's president?will inevitably rise to his or her level of incompetence. Dr. Peter explains why incompetence is at the root of everything we endeavor to do?why schools bestow ignorance, why governments condone anarchy, why courts dispense injustice, why prosperity causes unhappiness, and why utopian plans never generate utopias.With the wit of Mark Twain, the psychological acuity of Sigmund Freud, and the theoretical impact of Isaac Newton, Dr. Laurence J. Peter and Raymond Hull's The Peter Principle brilliantly explains how incompetence and its accompanying symptoms, syndromes, and remedies define the world and the work we do in it.

"Do we really need yet another book about the financial crisis? Yes, we do--because this one is different....A must-read for anyone who wants to understand the mess we're in."--Paul Krugman, New York Times Book Review "Fox makes business history thrilling."--St. Louis Post-Dispatch A lively history of ideas, The Myth of the Rational Market by former Time Magazine economics columnist Justin Fox, describes with insight and wit the rise and fall of the world's most influential investing idea: the efficient markets theory. Both a New York Times bestseller and Notable Book of the Year--longlisted for the Financial Times Business Book of the Year Award and named one of Library Journal Best Business Books of the Year--The Myth of the Rational Market carries readers from the earliest days of Wall Street to the current financial crisis, debunking the long-held myth that the stock market is always right in the process while intelligently exploring the replacement theory of behavioral economics.

"This fun and informative book shows aspiring young women how to build their own businesses from the ground up...and stand as tall as a Manhattan highrise." --Barbara Corcoran, author of If You Don't Have Large Breasts Wear Ribbons in Your Pigtails "This book will do for business what The Joy of Cooking did for the culinary world."--Ella Brennan, owner, Commander's Palace The Girl's Guide to Starting Your Own Business is a must-read guide for any woman who wants to ditch the cubicle and join the growing ranks of aspiring female entrepreneurs. Revised and updated to reflect a post-financial crisis and Twitter world, this essential business handbook by Caitlin Friedman and Kimberly Yorio offers candid advice, frank talk, and true stories that will help every woman with a great business plan achieve her dream.

WHAT'S MINE IS YOURS is about Collaborative Consumption, a new, emerging economy made possible by online social networks and fueled by increasing cost consciousness and environmental necessity. Collaborative Consumption occurs when people participate in organized sharing, bartering, trading, renting, swapping, and collectives to get the same pleasures of ownership with reduced personal cost and burden, and lower environmental impact. The book addresses three growing models of Collaborative Consumption: Product Service Systems, Communal Economies, and Redistribution Markets. The first, Product Service Systems, reflects the increasing number of people from all different backgrounds and across ages who are buying into the idea of using the service of the product-what it does for them-without owning it. Examples include Zipcar and Ziploc, and these companies are disrupting traditional industries based on models of individual ownership. Second, in what the authors define as Communal Economies, there is a growing realization that as individual consumers, we have relatively little in the way of bargaining power with corporations. A crowd of consumers, however, introduces a different, empowering dynamic. Online networks are bringing people together again and making them more willing to leverage the proverbial power of numbers. Examples of this second category include Etsy, an online market for handcrafts, or the social lending marketplace Zopa. The third model is Redistribution Markets, exemplified by worldwide networks such as Freecycle and Ebay as well as emerging forms of modern day bartering and ?swap trading? such as Zwaggle, Swaptree, and Zunafish. Social networks facilitate consumer-to-consumer marketplaces that redistribute goods from where they are not needed to somewhere or someone where they are. This business model encourages reusing/reselling of old items rather them throwing them out, thereby reducing the waste and carbon emissions that go along with new production.WHAT'S MINE IS YOURS describes how these three models come together to form a new economy of more sustainable consumerism. Collaborative Consumption started as a trend in conjunction with the emergence of shared collective content/information sites such as Wikipedia and Flickr and with the recent economic troubles and increasing environmental awareness, it is growing into an international movement. The authors predict it will be a fully fledged economy within the next five years.In this book the authors travel among the quiet revolutionaries (consumers and companies) from all around the world. They explore how businesses will both prosper and fail in this environment, and, in particular, they examine how it has the potential to help create the mass sustainable change in consumer behaviors this planet so desperately needs. The authors themselves are environmentalists, but they are also entrepreneurs, parents, and optimistic citizens. This is a good news book about long-term positive change.

Now with the latest and safest strategies for smart investing in the new economyA perennial bestseller, Nancy Dunnan's How to Invest $50-$5,000 has been a trusted advisor for more than two decades. But never before has the economy changed so radically in so short a time. This new edition reflects the latest, smartest strategies for small investing in the current economy, and has fully updated information on all of the recent changes in federal regulations and laws.Covering the full range of small investing--from selecting a bank to choosing specific investments to making sense of financial pages--Dunnan guides even the most inexperienced investor through the maze of stocks, bonds, treasuries, mutual funds, and more. Now more than ever, How to Invest $50-$5,000 is an indispensable handbook for small investors--pointing the way toward the best low-risk, high-value opportunities available in the current U.S. economy.

Jean Chatzky, the popular Today Show financial editor and Oprah contributor, shows readers how to navigate the critical challenges and universal conundrums of personal finance in Money 911. A lifesaver in difficult economic times, Money 911 answers the tough financial questions about how to manage your money in the face of life-altering events. Like popular personal finance guru Suze Orman, Chatzky offers clear, optimistic, timely, and intelligent advice for any recession victim who might be suffering the slings and arrows of unanticipated economic misfortune.