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A veteran journalist follows an inspiring ensemble cast of small business owners fighting to keep their businesses alive through Covid-19, while exploring the sweeping trends and government policies that had brought small businesses to the breaking point long before the coronavirus hit. There is a tendency to fetishize small business even as it shrinks before our eyes. Americans extol the virtues of small, local, often family-run shops, yet buy from big-box retailers and chains that dominate the competition. Even before the pandemic, small businesses seemed endangered. When Covid-19 hit, the resounding question was: How will they be able to survive this? Saving Main Street is an unfiltered, up-close examination of a small group of business owners and their employees, their struggles, and their strategies to survive. It is an eye-opening tale of grit, perseverance, and entrepreneurial spirit that follows three businesses: a restaurant owner and his rambunctious staff, an immigrant running her own hair salon, and the owner of a “non-life sustaining” gift shop—alongside a larger cast of vividly drawn characters. Gary Rivlin focuses on the first days of the Covid lockdown and the ensuing eighteen months of chaos, including the personal and financial risks, a contentious presidential election, and contradictory governmental guidelines—all which compounded the everyday challenges of running an independent business trying to attract and retain customers who expect low prices, convenience, and endless choice. Rivlin keenly observes small businesses from all angles, examining commonly held “myths”; contradictions in government policy; enormous racial and class fissures; a national self-identity intrinsically connected to the ideal of small business, and how the decline of this American way of retail impacts our notions of American exceptionalism, community, and civic duty. As Rivlin reveals, there’s something enduring about small business in the American psyche. Life will have changed in unprecedented ways on the other side of this pandemic, yet hard times will also create opportunities, offering hope and survival.
Saving the American Dream is a provocative and thoughtful account of how our nations ideals of equality and the pursuit of happiness emerged as an inspiration and a beacon of hope for the entire world, and how politicians, Wall Street and our own sense of entitlement have gradually eroded this Dream to the point of endangering Americas preeminence. In this fascinating and informative book, Louis Hernandez, Jr. explores the origins, evolution and economic underpinnings of the American Dream, detailing how key government policies over-facilitated the Dreams attainment, weakened the will of the American people and drove us inexorably toward the 2007 financial crisis. He shows how policies put in place after the crisis not only failed to address the core problems America faces, but created a growing disconnect between Wall Street and Main Street that has made things far worse. The book examines how our myopic political focus on Too Big to Fail institutions has threatened the most crucial pillars of the American Dream our small businesses, and the community banks and credit unions that support them and sabotaged their ability to support job growth and responsible financial services for families and local communities.
The former FDIC Chairwoman, and one of the first people to acknowledge the full risk of subprime loans, offers a unique perspective on the greatest crisis the U.S. has faced since the Great Depression.
Hollywood celebrities are doing it. Corporate moguls are doing it. But what about those of us living in the real world—and on a real budget? Author and holistic health practitioner Victoria Moran started eating only plants nearly thirty years ago, raised her daughter, Adair, vegan from birth, and maintains a sixty-pound weight loss. In Main Street Vegan, Moran offers a complete guide to making this dietary and lifestyle shift with an emphasis on practical "baby steps," proving that you don’t have to have a personal chef or lifestyle coach on speed dial to experience the physical and spiritual benefits of being a vegan. This book provides practical advice and inspiration for everyone—from Main Street to Wall Street, and everywhere between. "Finally, a book that isn't preaching to the vegan choir, but to the people in the pews—and the ones who can’t fit in those pews. This is a book for the Main Street majority who aren’t vegans. Once you read this, you'll know it's possible to get healthy and enjoy doing it—even if you live in Paramus or Peoria."—Michael Moore "A great read for vegans and aspiring vegans."—Russell Simmons "Yet another divine gift from Victoria Moran. Main Street Vegan covers it all—inspiration, information, and out of this world recipes. This book is a gem."—Rory Freedman, co-author Skinny Bitch "Main Street Vegan is exactly the guide you need to make changing the menu effortless. Victoria Moran covers every aspect of plant-based eating and cruelty-free living, with everything you need to make healthy changes stick."—Neal Barnard, MD, president, Physicians Committee for Responsible Medicine, and NY Times bestselling author of 21-Day Weight Loss Kickstart "A great book for anyone who's curious about veganism. It shows that not all vegans are weirdos like me."—Moby
Robust financial markets support capitalism, they don't imperil it. But in 2008, Washington policymakers were compelled to replace private risk-takers in the financial system with government capital so that money and credit flows wouldn't stop, precipitating a depression. Washington's actions weren't the start of government distortions in the financial industry, Nicole Gelinas writes, but the natural result of 25 years' worth of such distortions. In the early eighties, modern finance began to escape reasonable regulations, including the most important regulation of all, that of the marketplace. The government gradually adopted a "too big to fail" policy for the largest or most complex financial companies, saving lenders to failing firms from losses. As a result, these companies became impervious to the vital market discipline that the threat of loss provides. Adding to the problem, Wall Street created financial instruments that escaped other reasonable limits, including gentle constraints on speculative borrowing and requirements for the disclosure of important facts. The financial industry eventually posed an untenable risk to the economy -- a risk that culminated in the trillions of dollars' worth of government bailouts and guarantees that Washington scrambled starting in late 2008. Even as banks and markets seem to heal, lenders to financial companies continue to understand that the government would protect them in the future if necessary. This implicit guarantee harms economic growth, because it forces good companies to compete against bad. History and recent events make clear what Washington must do. First, policymakers must reintroduce market discipline to the financial world. They can do so by re-creating a credible, consistent way in which big financial companies can fail, with lenders taking their warranted losses. Second, policymakers can reapply prudent financial regulations so that markets, and the economy, can better withstand inevitable excesses of optimism and pessimism. Sensible regulations have worked well in the past and can work well again. As Gelinas explains in this richly detailed book, adequate regulation of financial firms and markets is a prerequisite for free-market capitalism -- not a barrier to it.
Carol Milford dreams of living in a small, rural town. But Gopher Prairie, Minnesota, isn't the paradise she'd imagined. First published in 1920, this unabridged edition of the Sinclair Lewis novel is an American classic, considered by many to be his most noteworthy and lasting work. As a work of social satire, this complex and compelling look at small-town America in the early 20th century has earned its place among the classics.
Community development expert Ilana Preuss explains how local leaders can revitalize their downtowns or neighborhood main streets by bringing in and supporting small-scale manufacturing. Small-scale manufacturing businesses help create thriving places, with local business ownership opportunities and well-paying jobs that other business types can't fulfill.
Local Dollars, Local Sense is a guide to creating Community Resilience. Americans' long-term savings in stocks, bonds, mutual funds, pension funds, and life insurance funds total about $30 trillion. But not even 1 percent of these savings touch local small business-even though roughly half the jobs and the output in the private economy come from them. So, how can people increasingly concerned with the poor returns from Wall Street and the devastating impact of global companies on their communities invest in Main Street? In Local Dollars, Local Sense, local economy pioneer Michael Shuman shows investors, including the nearly 99% who are unaccredited, how to put their money into building local businesses and resilient regional economies-and profit in the process. A revolutionary toolbox for social change, written with compelling personal stories, the book delivers the most thorough overview available of local investment options, explains the obstacles, and profiles investors who have paved the way. Shuman demystifies the growing realm of local investment choices-from institutional lending to investment clubs and networks, local investment funds, community ownership, direct public offerings, local stock exchanges, crowdfunding, and more. He also guides readers through the lucrative opportunities to invest locally in their homes, energy efficiency, and themselves. A rich resource for both investors and the entrepreneurs they want to support, Local Dollars, Local Sense eloquently shows how to truly protect your financial future--and your community's.
Includes a new foreword to the paperback edition.
This book describes what can be done to stop major retailers overcoming your small town.