front cover of Financing Low Income Communities
Financing Low Income Communities
Julia Sass Rubin
Russell Sage Foundation, 2007
Access to capital and financial services is crucial for healthy communities.  However, many impoverished individuals and neighborhoods are routinely ignored by mainstream financial institutions.  This neglect led to the creation of community development financial institutions (CDFIs), which provide low-income communities with financial services and act as a conduit to conventional financial organizations and capital markets. Edited by Julia Sass Rubin, Financing Low-Income Communities brings together leading experts in the field to assess what we know about the challenges of bringing financial services and capital to poor communities, map out future lines of research, and propose policy reforms to make these efforts more effective. The contributors to Financing Low-Income Communities distill research on key topics related to community development finance. Daniel Schneider and Peter Tufano examine the obstacles that make saving and asset accumulation difficult for low-income households—such as the fact that tens of millions of low-income and minority adults don't have a bank account—and consider solutions, like making it easier for low-wage workers to enroll in 401(K) plans. Jeanne Hogarth, Jane Kolodinksy, and Marianne Hilgert review evidence showing that community-based financial education programs can be effective in changing families' saving and budgeting patterns.  Lisa Servon proposes strategies for addressing the challenges facing the microenterprise field in the United States.  Julia Sass Rubin discusses ways community loan and venture capital funds have adapted in response to the decreased availability of funding, and considers potential sources of new capital, such as state governments and public pension funds.  Marva Williams explores the evolution and recent performance of community development banks and credit unions.  Kathleen Engel and Patricia McCoy document the proliferation of predatory lenders, who market loans at onerous interest rates to financially vulnerable families and the devastating effects of such lending on communities—from increased crime to falling home values and lower tax revenues. Rachel Bratt reviews the policies and programs used to make rental and owned housing financially accessible.  Rob Hollister proposes a framework for evaluating the contributions of community development financial institutions. Despite the many accomplishments of CDFIs over the last four decades, changing political and economic conditions make it imperative that they adapt in order to survive.  Financing Low-Income Communities charts out new directions for public and private organizations which aim to end the financial exclusion of marginalized neighborhoods.
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front cover of Rain Forest in Your Kitchen
Rain Forest in Your Kitchen
The Hidden Connection Between Extinction And Your Supermarket
Martin Teitel; Foreword by Jeremy Rifkin
Island Press, 1992

The biodiversity crisis -- the extinction of thousands of species of plants and animals -- is not just a faraway problem for scientists to solve. Instead, the crisis is as close as our backyards, our gardens, and our refrigerator shelves. This engaging, practical guide inspires average Americans to wield their consumer power in favor of protecting the world's plant and animal species.

Environmentalist activist Martin Teitel offers compelling evidence that by slightly modifying how we shop, eat, and garden, we can collectively influence the operating decisions of today's corporate agribusiness and help preserve our precious genetic resources. Teitel offers strategies so simple that they require no significant lifestyle change or expense.

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front cover of Surviving Modern Medicine
Surviving Modern Medicine
How to Get the Best From Doctors, Family, and Friends
Clarke, Peter
Rutgers University Press, 1998
"Surviving Modern Medicine" gives consumers the practical steps they can take to navigate today's confusing medical world to improve the quality of care they receive. The authors dig through leading research for down-to-earth tips that any patient can apply to: open lines of communication with doctors; weigh the risks and benefits among treatment options; mobilize understanding and effective support from family and friends; overcome the fatigue and guilt of long-term cargiving; and control life-support situations to balance high-technology against an acceptable quality of life. Readers learn how to battle with a stubborn HMO and to select the right coverage in the first place. Patients discover how to make better use of their office visits, communicating effectively with doctors by asking the right questions and remembering crucial facts. The book features the authors' nationally-tested guide to decision making about critical care and to completing a Living Will or Healthcare Power of Attorney. Throughout, the book provides simple exercises that readers can practice. These exercises allow patients to replace frustating and perplexing encounters with the health and medical bureaucracy with successful ones.
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front cover of Under the Mask
Under the Mask
A Guide to Feeling Secure and Comfortable During Anesthesia and Surgery
Cottrell, James M.D.
Rutgers University Press, 2001

Every year, about forty million Americans require surgery. Few truly understand what happens to them during the procedure-especially what the anesthesiologist does to ensure their survival and well being. An anesthesiologist disarms your entire nervous system with the most effective drugs for your body chemistry; keeps you alive while you're subjected to manipulations that would otherwise kill you; and ensures your safe return to consciousness. Yet despite their crucial role, anesthesiologists are often the unseen doctors. Under the Mask, written by a compassionate practitioner, demystifies the surgical process with detailed information that will make you a better-informed consumer.

Part One describes the development and current scope of anesthesiology, the medications and techniques used, and what the anesthesiologist does both in and outside the operating room. It explains your-the patient's- rights and advises you how to use the preoperative consultation with the anesthesiologist to your best advantage, specifying what information you need provide and what questions you should ask.

Part Two details the most common surgical and diagnostic procedures requiring anesthesia or conscious sedation. Using clear language, it explains each procedure, the possible risks, and the choices to make if there is more than one option. It also covers the anesthesiologist's crucial role in controlling pain caused by chronic conditions. The last chapter describes the newest anesthetic and pain control techniques available.

The author also helps you understand anesthesiology within the managed care system and explains what you can expect and what to do if you aren't getting what you need. This book enables you to make informed decisions regarding surgical anesthesia and subsequent pain control within the managed care system to protect your well-being and hasten your recovery.
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front cover of You've Been Had!
You've Been Had!
How the Media and Environmentalists Turned America into a Nation of Hypochondriacs
Benarde, Melvin A
Rutgers University Press, 2002

With all of the negative media about environmental threats over the last four decades, is it any wonder that most people believe disaster is just around the corner?  But despite what the media would lead us to believe, annual reports from the Surgeons General show that Americans are the healthiest they have ever been, are becoming healthier and are, in fact, the healthiest people on the planet.

In You’ve Been Had!, Melvin Benarde aims to set the record straight and counteract the culture of complaint and worry with an unbiased account of the scientific facts — facts which suggest we are worried and frightened about the wrong things. Contrary to what the media would have us believe, he argues that the environmental factors that most adversely affect our health are those that are within our power to alter, such as smoking, diet, drugs, stress, guns speed, exercise, and basic safety precautions. Topics covered include: carcinogens and anti- carcinogens; dietary supplements and neutraceuticals; food safety, pasteurization and irradiation; genetically modified foods; microbial threats to health; hazardous and toxic waste; radiation and skin cancer; global warming; risk-taking; obesity, asthma, violence and longevity. Benarde also looks at the ways the media reports science and evidence-based medicine.

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