Beyond Our Means

"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.

Dr. Thomas poses the question: "Who are you and what do you really want?" She teaches readers how to use the sixth sense to gain a truer and fuller life in the Lord, and to become an overcomer, no matter what trials they encounter.

Not your typical travel guide, Europe Beyond Your Means: The Paris Edition presents satirical advice for the discerning traveler who shuns the idea of prepackaged, budget-focused travel tips and instead craves permission to break from the tourist norm, discard the fanny pack, and embrace social commentary. Authors Conrad Lucas and William Norgard have created an original and amusing travel guide that lampoons other traditional, mainstream travel guides while sharing travel suggestions, witty observations, and relevant anecdotes about the endearing quirks of the French, the Parisian culture, and how to have fun in one of the worlds most celebrated cities. Youll learn how to find a great place to stay, prepare for inconveniences, dress for cultural success, avoid etiquette blunders, and develop a Parisian disposition. For those ready to abandon the preconceived notions and traditional methods of travel and seek out Paris in a unique way, Europe Beyond Your Means is the perfect companion for knowledgeable travelers who also want to laugh a little along the way.

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.

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.

“Expansive and enlightening. . . . Impey packs his prose with wonderful anecdotes and weird factoids.”—New York Times Book Review Human exploration has been an unceasing engine of technological progress, from the first homo sapiens to leave our African cradle to a future in which mankind promises to settle another world. Beyond tells the epic story of humanity leaving home—and how humans will soon thrive in the vast universe beyond the earth. A dazzling and propulsive voyage through space and time, Beyond reveals how centuries of space explorers—from the earliest stargazers to today’s cutting-edge researchers—all draw inspiration from an innate human emotion: wanderlust. This urge to explore led us to multiply around the globe, and it can be traced in our DNA. Today, the urge to discover manifests itself in jaw-dropping ways: plans for space elevators poised to replace rockets at a fraction of the cost; experiments in suspending and reanimating life for ultra-long-distance travel; prototypes for solar sails that coast through space on the momentum of microwaves released from the Earth. With these ventures, private companies and entrepreneurs have the potential to outpace NASA as the leaders in a new space race. Combining expert knowledge of astronomy and avant-garde technology, Chris Impey guides us through the heady possibilities for the next century of exploration. In twenty years, a vibrant commercial space industry will be operating. In thirty years, there will be small but viable colonies on the Moon and Mars. In fifty years, mining technology will have advanced enough to harvest resources from asteroids. In a hundred years, a cohort of humans born off-Earth will come of age without ever visiting humanity’s home planet. This is not the stuff of science fiction but rather the logical extension of already available technologies. Beyond shows that space exploration is not just the domain of technocrats, but the birthright of everyone and the destiny of generations to come. To continue exploration is to ensure our survival. Outer space, a limitless unknown, awaits us.

"From Beyond" is a horror short story by American writer H. P. Lovecraft. It was written in 1920 and was first published in The Fantasy Fan in June 1934. The story is told from the first-person perspective of an unnamed narrator and details his experiences with a scientist named Crawford Tillinghast. Tillinghast creates an electronic device that emits a resonance wave, which stimulates an affected person's pineal gland, thereby allowing them to perceive planes of existence outside the scope of accepted reality. Sharing the experience with Tillinghast, the narrator becomes cognizant of a translucent, alien environment that overlaps our own recognized reality. From this perspective, he witnesses hordes of strange and horrific creatures that defy description. Tillinghast reveals that he has used his machine to transport his house servants into the overlapping plane of reality. He also reveals that the effect works both ways, and allows the alien creature denizens of the alternate dimension to perceive humans. Tillinghast's servants were attacked and killed by one such alien entity, and Tillinghast informs the narrator that it is right behind him. Terrified beyond measure, the narrator picks up a gun and shoots it at the machine, destroying it. Tillinghast dies immediately thereafter as a result of apoplexy. The police investigate the scene and it is placed on record that Tillinghast murdered the servants in spite of their remains never being found. Famous works of the author Howard Phillips Lovecraft: At the Mountains of Madness, The Dreams in the Witch House, The Horror at Red Hook, The Shadow Out of Time, The Shadows over Innsmouth, The Alchemist, Reanimator, Ex Oblivione, Azathoth, The Call of Cthulhu, The Cats of Ulthar, The Dunwich Horror, The Doom that Came to Sarnath, The Festival, The Silver Key, The Other Gods, The Outsider, The Temple, The Picture in the House, The Shunned House, The Terrible Old Man, The Tomb, Dagon, What the Moon Brings.