{"title":"Howard Karger","description":"\u003cp\u003eDive into Howard Karger's insightful explorations of social work, human rights, and social justice. A vital voice for understanding contemporary issues, his books offer critical perspectives and inspire meaningful change.\u003c\/p\u003e","products":[{"product_id":"shortchanged-book-howard-karger-9781576753361","title":"Shortchanged","description":"\u003cb\u003e\"An eye-opening read in the school of Barbara Ehrenreich's \u003ci\u003eNickel \u0026amp; Dimed\u003c\/i\u003e ... shines a bright light on the economy's darker side.\" -\u003ci\u003ePublishers Weekly\u003c\/i\u003e (starred review)\u003c\/b\u003e\u003cbr\u003e \u003cbr\u003e 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.\u003cbr\u003e \u003cbr\u003e 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.\u003cbr\u003e \u003cbr\u003e Filled with heartbreaking stories of real people trapped in perpetual debt, \u003ci\u003eShortchanged\u003c\/i\u003e 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.","brand":"WoB","offers":[{"title":"GB \/ GOOD \/ INTERNAL","offer_id":49649251090705,"sku":"GOR013643751","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"GB \/ VERY_GOOD \/ INTERNAL","offer_id":50022181536017,"sku":"GOR002454709","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":51324589932817,"sku":"CIN1576753360VG","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ GOOD \/ SBYB","offer_id":53574999277841,"sku":"CIN1576753360G","price":0.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/1576753360.jpg?v=1750958763"},{"product_id":"american-social-welfare-policy-book-howard-karger-9780134628127","title":"American Social Welfare Policy","description":"For courses in Social Welfare Policy.        Note: This is the bound book only and does not include access to the Enhanced Pearson eText. To order the Enhanced Pearson eText packaged with a bound book, use ISBN 0134303199.    Comprehensive, current coverage of the history, issues, and forces that shape American social welfare policy.       American Social Welfare Policy, Eighth Edition cultivates an understanding of both national and international social welfare policy. Using a policy analysis framework, the authors give students the background needed to grasp the social, political, and economic forces that shape social welfare policy, analyze the major programs that make up the U.S. welfare state, and discuss basic social welfare concepts. Updated throughout, the Eighth Edition examines the dramatic domestic and international events occurring since the previous edition that have impacted social welfare policy worldwide.         The Enhanced Pearson eText* is:      Engaging. The new interactive, multimedia learning features were developed by the authors and other subject-matter experts to deepen and enrich the learning experience.   Convenient. Enjoy instant online access from your computer or download the Pearson eText App to read on or offline on your iPad® and Android® tablet.**   Affordable. Experience the advantages of the Enhanced Pearson eText along with all the benefits of print for 40% to 50% less than a print bound book.      *The Enhanced eText features are only available in the Pearson eText format. They are not available in third-party eTexts or downloads.       **The Pearson eText App is available on Google Play and in the App Store. It requires Android OS 3.1-4, a 7” or 10” tablet, or iPad iOS 5.0 or later.","brand":"WoB","offers":[{"title":"US \/ GOOD \/ SBYB","offer_id":49794142896401,"sku":"CIN0134628128G","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ WELL_READ \/ SBYB","offer_id":49862756106513,"sku":"CIN0134628128A","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":50404458365201,"sku":"CIN0134628128VG","price":0.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0134628128.jpg?v=1751003991"},{"product_id":"american-social-welfare-policy-book-howard-karger-9780134303192","title":"American Social Welfare Policy","description":"For courses in Social Welfare Policy.    This package includes the Enhanced Pearson eText and the bound book.       Comprehensive, current coverage of the history, issues, and forces that shape American social welfare policy.       American Social Welfare Policy, Eighth Edition cultivates an understanding of both national and international social welfare policy. Using a policy analysis framework, the authors give students the background needed to grasp the social, political, and economic forces that shape social welfare policy, analyze the major programs that make up the U.S. welfare state, and discuss basic social welfare concepts. Updated throughout, the Eighth Edition examines the dramatic domestic and international events occurring since the previous edition that have impacted social welfare policy worldwide.         The Enhanced Pearson eText* is:        Engaging. The new interactive, multimedia learning features were developed by the authors and other subject-matter experts to deepen and enrich the learning experience.     Convenient. Enjoy instant online access from your computer or download the Pearson eText App to read on or offline on your iPad® and Android® tablet.**     Affordable. Experience the advantages of the Enhanced Pearson eText along with all the benefits of print for 40% to 50% less than a print bound book.       *The Enhanced eText features are only available in the Pearson eText format. They are not available in third-party eTexts or downloads.       **The Pearson eText App is available on Google Play and in the App Store. It requires Android OS 3.1-4, a 7” or 10” tablet, or iPad iOS 5.0 or later.        0134303199 \/ 9780134303192 American Social Welfare Policy: A Pluralist Approach with Enhanced Pearson eText – Access Card Package, 8\/e   Package consists of:       013454501X \/ 9780134545011  American Social Welfare Policy: A Pluralist Approach, Enhanced Pearson eText -- Access Card   0134628128 \/ 9780134628127  American Social Welfare Policy: A Pluralist Approach, 8\/e","brand":"WoB","offers":[{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":50045702275345,"sku":"CIN0134303199VG","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ GOOD \/ SBYB","offer_id":51415495049489,"sku":"CIN0134303199G","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0134303199.jpg?v=1750843974"},{"product_id":"american-social-welfare-policy-book-howard-jacob-karger-9780205922406","title":"American Social Welfare Policy","description":"ALERT: Before you purchase, check with your instructor or review your course syllabus to ensure that you select the correct ISBN. Several versions of Pearson's MyLab \u0026amp; Mastering products exist for each title, including customized versions for individual schools, and registrations are not transferable. In addition, you may need a CourseID, provided by your instructor, to register for and use Pearson's MyLab \u0026amp; Mastering products.       Packages   Access codes for Pearson's MyLab \u0026amp; Mastering products may not be included when purchasing or renting from companies other than Pearson; check with the seller before completing your purchase.       Used or rental books   If you rent or purchase a used book with an access code, the access code may have been redeemed previously and you may have to purchase a new access code.       Access codes   Access codes that are purchased from sellers other than Pearson carry a higher risk of being either the wrong ISBN or a previously redeemed code. Check with the seller prior to purchase.      --Current social welfare policy in the United States.       Taking a policy analysis framework, American Social Welfare Policy: A Pluralist Approach, 7e is the most comprehensive and up-to-date textbook on the American welfare policy. The text provides a critical in-depth look at the major programs that make up the U.S. welfare state, including Medicare, Medicaid, Social Security, and TANF.        This text is available in a variety of formats – print and digital. Check your favorite digital provider for your etext, including Coursesmart, Kindle, Nook, and more. To learn more about our programs, pricing options and customization, click the Choices tab.       Learning Goals   Upon completing this book, readers will be able to:     Understand the social, political, and economic forces that shape social welfare policy.   Analyze the major programs that make up the U.S. welfare state.   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The text encourages readers to take a reflective action-oriented approach to understanding problems and using research and evaluation. Apply CSWE Core Competencies — The text integrates the 2008 CSWE EPAS, with critical thinking questions and practice tests to assess student understanding and development of competency.        MARKET: For those interested in a balanced and comprehensive look at American social welfare policy","brand":"WoB","offers":[{"title":"US \/ GOOD \/ SBYB","offer_id":50346631921937,"sku":"CIN0205053289G","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":50626893775121,"sku":"CIN0205053289VG","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0205053289.jpg?v=1751037182"},{"product_id":"failing-universities-book-david-stoesz-9781350383807","title":"Failing Universities","description":"Colleges and universities were once places where students came to learn, experts, intellectuals, and others came to teach, and where knowledge was created. 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Additional essays address the compatibility of labor and social work, the relationship between the social work profession and labor relations law, issues of the social services workplace, and the implications of the privatization of social services for union organizing. 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