Consumers Shortchanged

“An eye-opening read in the school of Barbara Ehrenreich’s Nickel & Dimed . . . shines a bright light on the economy’s darker side.” —Publishers Weekly (starred review) Drive through a low-income neighborhood and you’re likely to see streets lined with pawnshops, check cashers, rent-to-own stores, payday and tax refund lenders, auto title pawns, and buy-here-pay-here used car lots. We’re awash in “alternative financial services” directed at the poor and those with credit problems. Howard Karger describes this world as an economic Wild West, where just about any financial scheme that’s not patently illegal is tolerated. Taking a hard look at this fringe economy, Karger shows that what seem to be small, independent storefront operations are actually part of a fully-formed parallel economy dominated by a handful of well-financed corporations, subject to little or no oversight, with increasingly strong ties to mainstream financial institutions. It is a hidden world, Karger writes, where a customer’s economic fate is sealed with a handshake, a smile, and a stack of fine print documents that would befuddle many attorneys. Filled with heartbreaking stories of real people trapped in perpetual debt, Shortchanged exposes the deceptive practices that allow these businesses to prey on people when they are most vulnerable. Karger reveals the many ways this industry has run amok, ruining countless people’s lives, and shows that it’s not just the poor but, more and more, maxed-out middle class consumers who fall prey to these devious schemes. Balancing compassion with a realistic awareness of the risks any business faces in working with an economically distressed clientele, Karger details hard-headed, practical recommendations for reforming this predatory industry.

Would you like to be taller? Many people - except very tall people - would likely answer yes. Why should this be the case, when height has nothing to do with intelligence, talent, fortitude, compassion, or indeed any of the factors that make us human? In her thoughtful and provocative book, Tanya S Osensky examines "heightism": the widely held and mostly unconscious notion that taller is better. She explores how and why short people are considered by many to be inferior, and describes the ways in which height bias affects them. Prejudice against short people is so common and casual that we do not even notice it, yet it factors significantly into discrimination in the workplace, in social situations, and beyond. The most helpless victims are short children, who are frequently subjected to years of hormone therapy, even when they have no physical need for such treatment, simply in an effort to make them taller as a way of countering this social bias. There is little legal recourse for short people who suffer workplace discrimination based on height. This succinct book exposes the cultural, medical, and occupational issues that short people face, which are often deemed unimportant and disregarded. Osensky challenges heightism by disclosing some beneficial aspects of shortness and suggesting avenues of activism and change.

This title was first published in 2002: A collection of articles focused on women within a general study of medicine, ethics and the law. Topics covered include: areas where the institutions of medicine, ethics and the law intersect in women's reproductive and sexual lives; the impact of legal policies and dominant ethical beliefs on many aspects of women's health; and the health practices and policies of bioethics and health law. The editors recognise that it is important not to lose sight of social differences other than gender, such as race, ethnicity, class, age, sexuality, religion, level of physical and mental ability, and family relationships. In their approach they seek to consider the lives and experiences of women as primary. Hence, they focus on the question of how women's encounters with the health-care system are structured by gender and other socially significant dimensions of their lives (rather than the question of how women differ from the male "norm").

By most accounts, China has quickly grown into the second largest economy in the world. In this controversial new book, Subramanian argues that China has already become the most economically dominant country in the world in terms of wealth, trade and finance. Its dominance and eclipsing of US global economic power is more imminent, more broad-based and larger in magnitude than anyone has anticipated. Subramanian compares the economic dominance of China with that of the two previous economic superpowers--the United States and the United Kingdom--and highlights similarities and differences. One corollary is that the fundamentals are strong for the Chinese currency to replace the dollar as the world's reserve currency. The final chapter forecasts how the international economic system is likely to evolve as a result of Chinese dominance.

Conceived by Chris Grey, the Very Short, Fairly Interesting and Reasonably Cheap series offers an antidote to conventional textbooks. Each book takes a core area of the curriculum and turns it on its head by providing a critical and sophisticated overview of the key issues and debates in an informal, conversational and often humorous way. Looking beyond the usual colonial narrative of the subject, Amanda Earley encourages the reader to think reflectively and critically about overlooked aspects of International Marketing such as power relations, history, ethics, culture and politics. Examples are provided throughout with coverage of student-friendly brands such as Apple, Facebook and Google and their role in international marketing practices today. The author draws on history and the colonial era as well as illustrating the failure of American brands to break into other markets. There are also gritty, thought-provoking examples around racial divides in Asia and Australia. Need another "VSFI" book? Browse the series here