Adams Books

Ingrid is a hero. Great book; the stories are wide ranging and vivid. Truly inspiring.

This book will inspire and motivate anyone to be a better person. I expected mostly animal rights stories and while many of these incredible people love animals, it is not the main direction of the book.
The diversity of all these people, from all walks of life, makes this book even more enriching and fascinating. I couldn't put it down.
This will be the perfect birthday or holiday gift to many of my friends and relatives.
Bravo Ms. Newkirk! Because of particularly choosing these individuals, your own sensitivity,compassion and values shine through these wonderful and valuable people's accounts.

Ingrid Newkirk has shown how much one can make a difference with her leadership of PETA, the worlds largest animal rights organization and now she shares stores of other inspiring individuals who have helped make this a better world for all.

These stories show a vast range of how others have taken action to help and shows us that everyone has abilities to make a difference. This book is a valuable gift for creating a kinder and more compassionate future!

ONE CAN MAKE A DIFFERENCE
Ingrid E. Newkirk
Adams Media
ISBN: 978-1-59869-629-7
$16.95 Hardcover
272 Pages
Reviewer: Annie Slessman

How many times have you seen a person in need and walked away? Many times, you walked away because you felt one person could not make a difference in a problem so large. Whether the problem was one of hunger, injustice, homelessness, abandonment, ignorance or other social issues facing us today, it was just easier to walk away.

Ingrid E. Newkirk's One Can Make A Difference, How Simple Actions Can Change the World reminds each of us that one person can make a difference. She has compiled the stories of fifty people who have not looked the other way and have made a real impact on the social issues facing us worldwide.

Each story is told simply and with a strong voice. Whether you are reading the story of Bridget Bardot or Dr. Neal Barnard- hope, inspiration and proof that one person can impact the lives of many is evident.

Ms. Newkirk writes an introduction to each contributor of this work. Her introductions are interesting, full of praise and admiration for the people who are making a difference in the lives of people and animals in need.

I was familiar with most of the contributors in this work but admit to not knowing the full story of how they "got where they are" today. I found the stories of each contributor had an "I want to know more" quality about them. If you can read this work and walk away unaffected, I would be surprised. There is nothing like reading how others have contributed to making our world better to get you jump-started yourself.

During my divorce, a friend of mine told me that I needed to quit thinking about what I had lost and start helping people who had worst problems than mine. I followed her advice and volunteered at my local Make-A-Wish organization. You know what, she was right. My problems seemed to fade into thin air.

This is a book worth reading and one you will pass on to your friends. You will do so with a, "You're going to love this book, I did."

I was a big fan of Ingrid Newkirk's earlier book, Making Kind Choices: Everyday Ways to Enhance Your Life Through Earth- and Animal-Friendly Living, and I especially appreciated the focus on things each person can do to make a difference. So, as you can imagine, I was eager to read her new book, One Can Make a Difference, and I was not disappointed.

This book is filled with great stories from outstanding people -- including several personal heroes of mine, like the Dalai Lama and Martina Navratilova -- all about the ways that they have shown how any individual can make a contribution...or start an entire social movement. This is exactly the kind of inspiring read I needed to stay fired up to play my own part, and I imagine I'll be taking it down off the shelf again and again, whenever I need a boost. What a great book!

If you need a way to get employees, vendors, customers or anyone else up to speed quickly on how cable television networks are being re-designed for digital and interactive services, this is the book for you. It clearly and concisely covers the widely varying technical issues involved in designing broadband systems. I think it will a handy reference tool to both technical and non-technical readers.

Although I have been reading a lot of documents related to OpenCable, I was looking forward to a comprising work, where all was coming together. That book is now available. The good structure and well managed balance between the bigger picture and the details makes this is a very interesting book for a wide audience in the North American cable community.

No kidding. Michael Adams has taken very complex technical subject matter and crystallized it in a conversational, easy-to-read manner, injecting personality and humor to make the text thoroughly enjoyable. Very refreshing approach to material that is usually inaccessable to non-engineers. Highly recommended for anyone in the broadband networking arena. Calculus is not a prerequisite!

The opencable industry has great promise and potential. In its early formative stage, various industry participants (hardware and software developers, service providers, cable MSO engineers, etc.) really need and will benefit greatly from this book.

Michael Adams has done a great job of pulling together various information pieces in a coherent framework in an understandable and easy to read manner: history, rationale, process, market and technical details of the OpenCable architecture; current status and future direction. I recommend this book highly.

Satish Thatte, Director, Product Management & Standards LG Electronics Research Center of America Princeton Junction, NJ

Although I have been reading a lot of OpenCable documents, there was a wish to have a book that gave the overview and connected the pieces together. That book has now arrived. I can recommend it to all that like to have more knowledge on digital cable and the overview of opencable.

Required reading for anyone who is dealing with small to mid-market companies-- or thinking about entering this marketspace. Gene has worked successfully with both large Fortune companies and the small to mid-market sectors and in this book he discusses the differences and really hones in on the small to mid market space. He then takes it to the next level and gives you the tools you need to be successful in this market space. Gene's writing style makes for a quick, straight-forward read.

I have not enjoyed a business book as much as this since Gerber's E-Myth. This book is very cleverly written and demonstrates a knowledge of small business that can only come through years of experience. Filled with useful information and fun to read.

It takes a fox to know a fox and the author knows his foxes because he's one too. So if you deal with foxes as does the author this is a very entertaining book that will give you a lot of great ideas for being foxier than you are.

Besides being quite possibly the best small business book I've read in a long time, Outfoxing is just plain FUN to read. Mr. Marks, a "foxy" business owner himself, shares the ways you can identify what kind of small business owner you're dealing with, what their most pressing business needs are, and create a strategy for marketing and communicating with your small business clients. He gives an insider view on the psychology of small business owners which helps with such common issues as getting paid time. He identifies the most common objections small business customers have and how to get around them. I especially loved that he puts an emphasis on creating loyalty and long term partnerships with our customers.

I can't count the number of "aha" moments this book gave me - and I'm supposed to be one of those crafty, seasoned business owners myself. I am going to be using this book as a gift and giveaway for a long time - it's fantastic!

You've de-bunked the mystery of the small-business fox and given us great insight on to how best to recognize management styles and apply crafty techniques to win their business and continued loyalty!

Gripping and thought provoking! The Power has characters and a story that the reader cares about as the plot unfolds.

Give us more! Better than Chrichton..This is "Real Fiction".
On scale of 10 it's a 10. You write it, I'll read it!

I judge my interest in a book by how sorry I am to put it down and how badly I want to get back to it - very much in this case. While there were a couple of times I didn't quite catch how the subject got changed, it didn't affect my overall enjoyment of the storyline. While interesting, exciting and romantic, what was most obvious to me was that the author intended to be thought-provoking - and certainly succeeded in my case. I'll be sharing this book with family and friends and I'll be first in line for this author's next publication!

I loved it. After the first 100 pages or so, I could no longer put it down! For years I've wanted Robin Cook or Michael Palmer to write this story, and I'm so glad that John Adams finally did...and I must say, did as good a job with it as they would have. It may be a work of fiction, but there is more truth to it than I want to think about. Vaccine injuries are certainly NOT FICTION, I know, I have cared for my vaccine injured daughter for the past nine years. I highly recommend this book. If you like medical mysteries, you'll love this one.

The Power takes its reader on an intense journey delving into the clandestine underbelly of the nation's pharmaceutical industry. Author John Adams succeeds in joining together a host of relatable characters in a refreshingly enigmatic storyline. Truly promises gutwrenching action with repeated uppercuts to the emotions.

The following case concerning property forfeiture comes from Rhode Island and is very illustrative as to the real goal of such government action: greed. Luz Rivera of Providence, RI was arrested in 1995 and charged with drug dealing. The police also confiscated $860 from her apartment after a search. Ms. Rivera had the charges against her dismissed in 1996 after she successfully proved she was at work and not at her apartment at the time of the alleged drug deal. Being found innocent of the charges, she naturally requested that her $860 be returned and obtained the necessary court order for this to happen. The state refused to honor the court order and Ms. Rivera contacted the local chapter of the American Civil Liberties union to assist her in obtaining the return of her money. The ACLU has threatened the state with a contempt order but the state attorney general's office has filed a motion to have the 1996 order requiring the return of the confiscated cash null and void. The state meanwhile maintains Ms. Rivera's cash was lawfully forfeited. Considering Ms. Rivera has been cleared of any charges of illegal activity, what is the basis of the state's claim? Very simply, it is the basis of greed. The state government wants Ms. Rivera's cash and has decided to keep it, all moral considerations, notwithstanding. A more clear example of the real reason behind property forfeiture could not be given. It is money pure and simple. Citizens have it and the government wants it.

The New York City Police Department has learned a valuable lesson from state and national law enforcement agencies. The Department will implement its "Zero Tolerance Drinking and Driving Initiative" sometime within the next month according to Police Commissioner Howard Safir. The stated goal of this new program is to discourage drunk driving and means anyone arrested for drunk driving in NYC will have their car seized until acquittal of the charges. The policy is based on the fact that city code permits police to seize "instrumentality's of crime." Commissioner Safir expects the program will result in thousands of cars being seized in the near future. According to criminal lawyer Gerald Lefcourt, this is a serious misuse of the forfeiture laws as they were not intended for this type of situation.

Mr. Lefcourt is right in his supposition that the forfeiture laws were not originally intended to address crimes such as drunk driving. Originally they were to punish drug dealers by confiscating the goods they bought and used with the proceeds from the drug trade. However, it has not taken government agencies long to realize the full potential of forfeiture laws since any property used in committing a crime or that results from illegal activities can be seized. This provides government an easy way to take from the public whatever it wants and is a natural motivator for unscrupulous, unethical and illegal actions by the government. In this case, if the city of New York wishes to discourage drunk driving it can increase jail time for a conviction, but its much more lucrative to confiscate a nice car.

There are simple steps you can take to protect yourself from many dangers -- frivolous lawsuits, predatory taxes, thieves, and greedy bureaucrats, just to name a few. A good place to start is with Adam Starchild's book.

This book will give you everything you need to completely safeguard your home, your family, your money, and your privacy. In other words, everything that's important to you.

You'll also find out how to create "invisible wealth" and how to use trusts for wealth protection... how to use family limited partnerships... how to structure a corporation for the greatest safety... how to go offshore with your wealth... and how to use foreign bank accounts.

An offshore haven is simply a country other than your own. To an American, it's anywhere you bank outside of the U.S. Why invest in offshore havens? Because when you invest outside your own country, you are no longer tied to its restrictive financial laws, and can protect your assets, save taxes and build your wealth easier.

Most of us have been hoodwinked into thinking that offshore havens are illegal, too risky, or otherwise unworthy of consideration. Don't believe it. Financial expert Adam Starchild will dispel myths and misconceptions about offshore banking and reveal how you can:

Achieve total secrecy and and financial privacy
Transfer your money offshore, and keep it safe from lawsuits, creditors, the IRS, etc.
Use offshore havens to legally avoid, defer or minimize taxes
Invest globally and build your wealth
Pick the offshore haven that best meets your objectives
Choose the right offshore bank and maintain an account -- easily and safely
Do business offshore -- and reap extraordinary benefits
And more!

One of the graces of living in the United States is the ability to buy affordable real estate. The open market provides both buyer and seller a plot of Mother Earth in order to raise their children or develop a nest egg for the future. One of the casualties of the War on Drugs is legislation aimed at the drug dealer, could deeply effect the land-owning taxpayer. The following example will give you a clearer understanding. In the summer of 2000, state police discovered 517

marijuana plants growing in an isolated hollow in eastern Kentucky, unbeknownst to the property owners, Dale and Diedre Hall.

Authorities suspected the family, based on a tip from a drug informant. According to the Hall's family lawyer, police were unable to get enough evidence to make an arrest, let alone to secure an indictment or a conviction. Nevertheless, the Halls owe the state a little more than $1 million under a 1994 law that taxes marijuana dealers $1,000 a plant and penalizes those who do not pay the tax before they are caught. The law, upheld by the Kentucky Supreme Court, was modeled on statutes in other states that has passed muster with the US Supreme Court. The law has brought in close to $300,000 in revenue, at least some of which came from drug dealers who made confidential payments to the state.

The tax assessment does not require a conviction. The law is enacted when police report on the seizure or discovery of illegal drugs, which they are required to do within 72 hours. The Hall's lawyer said the tax blocks his client access to the judicial system, challenging the provision of the law that requires suspected dealers to post a bond equal to the amount owed before they can file a protest.

The area where the Hall's reside is located in coal country near the Kentucky-West Virginia border. The depressed coal industry has left many out-of-work coal miners to fend for themselves. Usually they do it through the cash crop of marijuana grown on parkland or, in the Hall's case, private property. According to an article by APB News, the 1994 law requires marijuana growers and dealers to buy tax stamps at the rate of $3.50 per gram or $1,000 per plant. While the process is confidential and payment of taxes cannot be used as evidence in a criminal case, the civil penalties are added to any criminal ones once someone is caught, along with an additional penalty for failure to pay, said state Rep. Charles Geveden. "It's not a ruse or an attempt to legalize marijuana," said Geveden, a Democrat from Wickliffe, in western Kentucky, who was one of the law's sponsors. "What it does is it creates a monetary penalty as well as the criminal penalty."

Too little too late for the Halls, who acquired the American dream of owning land through hard work and sacrifice. What saved them from total financial ruin was Dale's decision to follow Diedre's advice

about offshore asset protection. Now the Hall's life savings won't be burned up in tax levies from the discovery of some hemp plants.

This is among my top 5 audio books, out of the perhaps 50 that I've listened to over the years. The author's wry sense of humor combines with a gift for suspense to make for an excellent spy novel. But there is also a sensitivity to human emotion that is touching at points. Highly recommended.

I have been a book reader my entire life. This Author (who passed away a few years ago) shall be deeply missed. Written with intelligence and in a manner that the characters (and their souls) become alive on the paper in my hands.

It is very likely you have never heard of this author, nor his Quiller series.

Warning :) Know up front that if you order one of them, you shall (over time) order all of them.

Run do not walk and gather up many enjoyable evenings with all of the Quiller novels.

A deep thank you Elleston Trevor, aka Adam Hall for providing me with your words.

...this author did to the spy thriller--don't be put off by the number of pages, each is fast-paced and the writing style is both accessible as well as being completely original--with all the hoopla over Brosnan quitting the Bond series, Broccoli and co. could do no wrong using this character and series as a template--HIGHLY RECOMMENDED!

There is a lot more info on the Quiller series at www.quiller.net, a fan site.

In New Zealand, where I live, haere ra is a Maori term meaning more than goodbye. It expresses sorrow at the departure, regret at the necessity for parting, hope for a reuniting in the future.
Adam Hall, creator of Quiller, is no more. Quiller has performed his last service with his usual stoicism, his acknowledged courage, his down-at-heel humanity.
I've enjoyed meeting with Quiller on a regular basis; I regret that he shall tell me no new tales.
However, I have his old tales to refresh my mind as to what an extraordinary character he was.
Haere ra, Quiller.

Designs are easy to duplicate and instructions easy to follow. Quilts are show stoppers!

This book is everything that I expected it to be. Barb Adams is an expert at everything she does.

The blocks in this book are beautiful! I am making the first block now. The patterns are fullsized although they overlap which makes them a little harder to trace onto freezer paper. My block is looking great and I can hardly wait to make the other eight!

The Blackbird ladies have done it again. Another gorgeous book, a feast for the eyes! This quilt is on my to-do list for sure.

The lady who complained about getting the patterns increased at Kinkos - I will give her the benefit of the doubt and presume she didn't look through the whole book. The patterns are in the book, at FULL SIZE! You don't need to increase the patterns at all.

What she is talking about is the page which shows you the whole block put together - a layout template. Some quilters like to use a layout template, others don't. I find it easier not to use one. Most people are not going to need to add $45 to the cost of the book!

I hope it won't put anyone off buying this book. The pages she is talking about are not necessary to make this quilt. Once again, the patterns are in this book and are FULL SIZE!

The lady before me is also quite right in saying that you can enlarge sections and paste together. This will cost you maybe 20 cents, not 5 bucks!

A beautiful book which I highly recommend, especially since a trip to Kinkos will not be necessary :)

I really love the look of these blocks. The person who complained about the cost of enlarging the patterns has no clue that you can enlarge portions of the pattern and then tape the pieces together. It shouldn't cost $45 to enlarge the patterns! Why go to Kinkos and pay that kind of money? She must have limited resources or is just plain lazy. It's not difficult and it should not be an excuse not to buy this book. I plan to make a grouping of 3 of the blocks and hang them in my dinning room. They are all just lovely and the photos are beautiful! I haven't been so excited over a quilt book in ages. Highly recommended!!!

At a time when so many on Wall Street hang on his every word, this compendium of Alan Greenspan quotations is just what is needed. Reading a collection of quotes -- along with the author's excellent analysis -- gives you a better understanding of Greenspan's theories. The author does an excellent job of organizing the Chairman's thoughts into concise chapters with brief commentary. I found the book an easy read for a topic that can be hard to comprehend.

I know so little about the world of finance and economics and I'm so terrified by my ignorance, I Quicken© what my kids spend their allowances on. So, a book on Alan Greenspan's cryptic ruminations on economic theory wasn't exactly at the top of my "must read" list. But Larry Kahaner has performed a minor miracle here. Not only does the Sphinx-like Greenspan speak in this book -- he also makes a lot of sense. Kahaner does an excellent job of putting Greenspan's words of wisdom into an understandable context with clear, supple, and lively explanations. Now I know why Greenspan has been so influential -he works from a core of bedrock beliefs and strategies that guide his decisions no matter what the economy is doing. This book is a great example of how to make the obtuse and obscure understandable for the common reader. It's also a terrific introduction to basic economic principles because Kahaner does such a good job of showing how Greenspan's macro theories can be easily translated into the micro of your own financial life. A surprisingly good read.

Morbid curiosity drove me to open this book. I suppose I expected to find some sort of arch-conservative, Reaganite-Republican, Ayn-Randian, ultra-capitalist dogmatist. But the figure that actually emerges is that of a dedicated, technical-minded civil servant.

The book contains selections from different Greenspan speeches given over the years. Most selections are prefixed with some scene-setting remarks by the author, Kahaner. The book doesn't have much structure to it -- the chapters are in alphabetical order (e.g., "Banks", "Capitalism", "Derivatives", etc). So you can skip back and forth without losing anything.

While Greenspan's speaking style is usually clear, he does have a roundabout way of talking. For example: "I don't want to suggest we're about to do anything at this stage, but I would confirm we are obviously going to do a great deal of thinking about the whole process." Somewhere else, he jokes: "I've been able to string more words into fewer ideas than anybody I know, and I'm continuing to do that."

Nonetheless, the reader can pick up most of Greenspan's opinions without too much trouble. For example: (a)Debt - bad. (b)Inflation - very, very bad. (c)Capitalism - hurray! His view on income distribution: "No society succeeds unless virtually all of its participants believe that it's fair and gives people opportunities." That one sounded all right to me, but his views on labor strike me as downright creepy; for example: "It should always be remembered that in economies where dismissing a worker is expensive, hiring one will also be perceived to be expensive."

On a subject of current political concern, the privatization of Social Security (or "modernization" is what they're calling it now, I think), Greenspan argues against it for workers already contributing to the system: "Investing Social Security assets in equities is largely a zero sum game." But he also suggests that allowing younger workers the option to move to a semi-privatized plan might be practical.

Greenspan maintains a pretty aloof tone in most of his speeches. For example, while touring the economically devastated region of South Central Los Angeles, he dryly observes, "We regulators are swamped with all sorts of data... It's important to put a face on the numbers." On the matter of dealing with others: "...beyond the personal sense of satisfaction, having a reputation for fair dealing is a profoundly practical virtue. We call it 'good will' in business and add it to our balance sheets."

A section near the end of the book contains remarks others have made about Greenspan. One economist sums it up best: "When Greenspan dies his headstone could read: 'I am guardedly optimistic about the next world, but remain cognizant of the downside risk.'"

I read this book because this guy seems to be one of the most important men in the world. I wanted to understand him by seeing what he had to say, rather what someone else said about him. The book is organized very well, and the writer, Larry Kahaner, did an excellent job overall. If you're interested in business and the stock market, I'd say this is a must read. Also, Kahaner's other books are also very good. This is an author I follow.

The core of this book is a series of quotations by Dr. Alan Greenspan, chairman of the Federal Reserve (1987 - ) on the subjects of banks, capitalism, competition, debt and deficits, derivatives, education, employment, the Federal Reserve, forecasting, the gap between rich and poor, globalization, gold, housing, humor, inflation, the new economy, politics, reputation, risk, small business, Social Security and Medicare, the stock market, technology, and trade. The quotations are simplified into their key principles in brief commentaries by the author, Mr. Kahaner. The author has also provided a brief biographical sketch of Dr. Greenspan as well as comments by others about Dr. Greenspan. (For trivia buffs: Did you know he was once married to the painter, Joan Mitchell?)

Alan Greenspan is a classic conservative, monetarist economist. His views fit nicely into that category. He also has a lively wit, which is normally well hidden behind the facade of "non-speak" that he specializes in. The author has considerately included some of Dr. Greenspan's most famous bon mots. His convoluted sentences are more famous across the planet, and deliberately so.

For when Alan Greenspan really speaks, as he did about "irrational exuberance" in the stock market a few years ago, the ground moves beneath the financial markets. So he has to be careful.

Care is also required because of politics. The Federal Reserve is supposed to be an independent body that is not part of the political process. Yet Congress can change its powers very easily. So the best approach is to hide in the shadows, as much as any 800 pound gorilla can.

This strategy is complicated by the fact that the chairman has to make many speeches, and has many required reports to Congress each year. So, Chairman Greenspan has to utter a lot of words while saying very little.

Perhaps the truest statement in the book was the quote about him pointing out that people on both sides of any issue quote Alan Greenspan as supporting their position. And that's the brilliance of these obscure sayings.

The only times he can be open is when he is in front of a group that doesn't matter. For example, he can praise the small community banks to the skies, because they are so small. Bring up Citigroup, and he has to move off in other directions.

The book that still needs to be written about Alan Greenspan is his art of saying much while communicating little. Now, that would be a book!

My favorite slant on Alan Greenspan was missing from this book. The financial news channel, CNBC, has developed a way to anticipate which way interest rates will go. It depends on the size of Greenspan's brief case when he goes into a Fed meeting. When it is thick, rates change. When it is thin, nothing happens. With a between-sized case, the bias between tightening or not may shift. Interstingly, they are often correct with this approach. And this story shows perfectly how much scrutiny he is under.

The man has done a fabulous job of running the Federal Reserve. We should not forget that in our focus here on his words. This is an area where actions speak louder than words, as they often do.

Now that we are off the gold standard, controlling the money supply is more important than ever because there is no limit on the potential to create inflation. As a former economic forecaster, Greenspan knows that economic forecasts are more often wrong than right. So you have to be vigilant and aggressive in anticipating problems. You will get a good sense of that perspective from this book. It will bring all of those words into a coherent sense of Greenspan's philosophy for you.

After you have finished absorbing these very long sentences, I encourage you to think about when in your life it is good to be balanced in your communications in order to moderate the response. Clarity is not always a virtue. But do be clear whenever it is important to get the point across. Follow Hemingway then. When obscurity helps, follow Greenspan.

May you aggressively pursue the opportunities in front of you, but in a balanced way that exercises extreme caution about the risks involved. In considering your choices, you should pause to consider how forecasting may not always be correct. Naturally, you will want to give full weight to the concerns that your hear as well. (This is my attempt at a Greenspanism, for demonstration purposes.)

There are few works of nonfiction which I have been inspired to read in one sitting. Adams' _Risk_ is one of those few. It's more than merely accessible: it's fascinating. The writing is more than merely competent: it's enjoyable. Like the best Grisham novels, _Risk_ tells a tale of danger, skulduggery, bureaucracy, wrongful death, human nature, research, reasoning, the revelation and concealment of evidence, and the overturning of conventional beliefs and outcomes.

Adams opens for the lay reader a window into the jargon-laden field of risk assessment and risk management. He brings to the table two qualities usually firmly segregated in the literature: a solid, rationalist facility with the traditional tools of the trade (scientific method, mathematics, statistics, data visualization), and an honest and humane assessment of the incalculable and the social (human variability, social equity, adaptive feedback, and chaotic systems).

Adams' work is brilliantly contrarian, neither eccentric nor slipshod. He challenges the conventional dogma of regulatory safety authorities the world over; he cites verifiable figures from reputable sources to show that the authoritarian approach to risk management has not lived up to its overconfident initial promises. Further, he documents specific cases in which this failure has been denied and concealed, rather than admitted, confronted and used as a springboard to new approaches and more creative thinking.

Adams' particular field of expertise is road/traffic safety, which he had studied for some 15 years at the time of writing. He uses several examples from this realm in the book. He recounts the peculiar history, for example, of mandatory seat belt legislation. Of the eighty principalities and regions which enacted such laws, over twenty years later only one (the UK) offers time-series data which support the initial claims for national traffic fatality reduction.

Yet throughout the industrial world, the axiom "seatbelts save lives" is just that -- axiomatic. The average reader may find this story very disturbing; the beneficial result of seatbelt legislation is almost a religious dogma for residents of the industrial West. Yet it is hard to dismiss Adams' sober collection and presentation of data. His numbers are not from outlaw or revisionist sources; they are official statistics from the same countries which passed the laws.

It's obvious (and crash tests demonstrate) that seatbelt-type restraints must prevent vehicle occupants from rattling around inside a car during a crash, and thereby mitigate injury and/or fatality. Adams asks, therefore, how it can possibly happen that there were not sudden, dramatic, documented reductions in total traffic fatalities for whole nations, after seatbelt laws were enforced?

In answering this and other similar questions of "safety engineering" Adams introduces us to a fascinating problem in risk management theory: "risk homeostasis" or "risk compensation". Individuals, he argues, have a personal "risk thermostat", a risk level at which they are comfortable. If their sense of personal safety is enhanced by protective gear (or even by public information campaigns) then their behaviour becomes correspondingly riskier, until the "set point" of the individual risk thermostat is reached.

Since the risk per individual per hour of traffic injury or fatality is very small, only a slight deviation in behaviour is necessary to raise it significantly. If a driver drives a little faster, brakes a little harder, corners a little more aggressively because of being strapped in securely, then this might easily negate (or more than negate) the risk reduction provided by the seatbelt itself.

In support of this theory, Adams offers the troubling increase in pedestrian and cyclist deaths that immediately followed the UK seatbelt law. If drivers drive a little more dangerously, says Adams, it makes sense that more vulnerable road users would bear the brunt of the increased risk.

Were it not for this sincere concern for social justice, Adams might easily be dismissed as yet another libertarian. Many a safety-legislation skeptic's argument begins and ends with individual rights, resistance to "nanny" legislation, etc. Adams asks a tougher question: if safety means *everyone's* safety, does traditional traffic safety engineering really work? Or does it just shuffle the risk around, making it safer to drive a car more dangerously, but imposing more risk on pedestrians, cyclists, motorcyclists, etc?

This discussion occupies only a chapter or two of this thought-provoking book. Other chapters cover such diverse topics as: a taxonomy of personality types and their responses to risk; virtual risks versus immediate risks; and the fundamental contradictions of "cost/benefit analysis". Adams is forthright in criticizing the narrowness of the traditional highway and traffic engineers' vision. "Road safety engineers" consider their work successful if the fatality/injury rate declines on a given stretch of road. But the fatality rate may have fallen because people gave up walking or biking in that area. As long as the incident rate is low, the road is deemed "safe" -- even though residents and locals may know very well that it is dangerous, and make long detours to avoid it.

Adams argues convincingly that this disconnect between people's real experience on the ground, and the abstract perceptions of planners and authorities, is a serious and intensifying problem. The ingenious adaptibility of human beings to dangerous situations means that the engineers may be presented with false success (a dangerous road looks "safe" because of avoidance response) or with intractable riskiness (risk compensation defeating imposed engineering solutions). Many of the traditionalist solutions into which we pour millions of dollars may simply not work, and the way we measure our success may be faulty as well.

_Risk_ is an excellent introduction to the challenging work of John Franklin, Mayer Hillman, Robert Davis, and other members of the "new school" of road safety analaysis. It is a well-researched, well-written, and deeply provoking book. _Risk_ should be *required* reading for all traffic engineers, police, safety analysts, city planners, parents, insurance company executives, and economists. For the reader with an open mind, _Risk_ will raise more questions than it answers; it offers some really interesting new ways to think about and discuss risk.

John Adams is clearly one of the leading thinkers not only regarding Risk Management, but also decision-making where risk is involved. If you are expecting a book that limits itself to accident prevention and the purchase of insurance, you will be dilightfully suprised to find that Adams provides universal frameworks that apply to the entire universe of risk. Nor is this merely an ivory tower philosophical romp. Adams applies his frameworks to everything from the value of infant car seats to global warming to "zero accident" policies in the workplace and does so with wit and empirical data. His conclusions are often very counterintuitive, but he provides the data to back up his conclusions, often with surprising results (for example, that mandatory infant car seats was correlated with an increase in infant deaths in auto accidents and that seat belt laws did not decrease injuries in auto accidents).

The reader cannot help but benefit from Adam's wisdom, and he will enjoy the experience as well. The book is writen so well that I finished it with sadness; I was hoping that it would go on for at least another 100 pages. Having read scores of risk related articles and books, I can attest to the rarity of this feeling--I am usually begging for the end at about page 10. It takes great ideas and a masterful pen to acheive this, and Adams has both in abundance. If you are in the risk or safety professions (or work in the political realm) this book is required reading.

This book is a by product of a research project called "Risk and Rationality."

It represents a combination of risk compensation and cultural theory. The former posits all human beings have a risk thermostat. The latter illuminates a world of plural rationalities; it seeks to explain unresolved risks in terms of the differences in premises from which the participants argue.

It draws the following conclusions:

1. Everyone is managing risk.
2. Since we are dealing with risks, they are all guessing.
3. Their guesses are influenced by their beliefs.
4. Their behavior is influenced by their guesses.
5. Safety interventions do not influence risk propensities.
6. You will never capture "objective risk."

This book is a gem. It is well-written, counterintuitive, jargon-free and amusing. It will challenge your assumptions on risk management.

"Risk" by John Adams is one of those rare gems, a book which uncovers a nugget of truth about human behaviour, namely Risk Compensation Theory. Why do we take risks, especially on the roads, in cars, in dangerous situations? Why do some people take more risks than others? Apparently we have risk thermostats which we set to different levels of risk aversion. I saw the tv programme which covered this topic first and then I read the book by Mr. Adams. I was very impressed by the depth of research supporting his theories and by the graphs showing the different rates of fatalities for male/female drivers, for different countries or for different age groups. But I wonder: have we had too much analysis and not enough action at this stage? The trend of fatalities per 1,000 of the population or per 1,000 vehicles on the roads may be coming down in some countries but this is little consolation when the total number of deaths is staying steady or rising worldwide. 25 million have died already and perhaps another billion have been injured. It is time to try another approach.

"Autogeddon" by Heathcote Williams was a brilliant poetic diatribe on the havoc which cars can cause but it offered no solutions to the problem. "Risk" analyses in detail why we take the risks which cause this havoc, but equally offers no complete solutions. "The Joy of Motion" by John B. Gilmore goes a step further and offers a solution to the problems of transport which allows us to take risks and enjoy the thrill of motion at the same time. If you wish to find out more about this book then please email me.

This is an outstanding little book -- very insightful and thoroughly enjoyable. I am a pediatrician who has been involved with writing practice guidelines to prevent a very low probability but devastating outcome (brain damage following jaundice in newborns). The discussion of different types of people with different attitudes towards risk helped clarify some of the dynamics of the guideline committees I have been on. In fact, I liked the book so much I sent a copy to the head of the current committee working on these guidelines.

I also like it when people question dogma, and point out ways in which our previous experience and perspectives influence the way we perceive reality. For example, the possibility that use of seat belts by drivers might shift some injuries from themselves to pedestrians and cyclists had never occurred to me.

I highly recommend this book to anyone interested in risk.

Thomas B. Newman, MD, MPH
Professor of Epidemiology and Biostatistics and Pediatrics
University of California, San Francisco

This book offers a very clear and concise explanation of the SBA loan process. It really helped me understand the fundamentals of SBA lending in a way that allowed me to use this knowledge in my practice. To be fair to the author and publisher, I giving it the full five star rating, even though some of the information in the book is out of date by now.

Just as life has clearly defined cycles, so does a small business enterprise and the SBA book by Charles H.Green depicts it clearly. Whether it's the start-up or expansion cycle, his book will show you how to plan for the loan, how to go through the document review, and how to enjoy the award of a loan. It walks you through the long and frightening process of getting a loan with sound advice and forms that inform and educate.

What if turned down? It shows the applicant why it happened and how to repair any damages to their business' ego. It very smartly says, "it's not personal it's business."

As antrepreneur dealing with capital formation on a regular basis, I recommend this book to all who know the trials and tribulations of "getting the money." You will find an answer to your situation, guaranteed.

Charles H. Green has taken the mystery out of commercial loan financing. With millions of dollars of SBA financing under his belt, he has converted that experience into an easy to understand, logical resource text in the SBA Loan Book. As a small business planning and development adviser, I find this publication as the best hands-on guide to the maze of commercial financing. Praises to publisher Adams Media Corporation for their ability to see the need of small business owners every where and for investing the time and money to produce this outstanding publication. Every Entrepreneur should own this book as should every new SBA loan officer involved in the process.

WORD OF WARNING: I haven't actually put into practice the advice in this book, so I can't say whether the information is correct.

It is, however, presented in a VERY clear and understandable and logical manner. The book strikes an excellent balance between keeping it simple but NOT talking down. It assumes the reader is an intelligent adult (not a "dummy", if you know what I mean) who doesn't know much about the SBA or getting money from same. It then goes about giving you all the steps needed to understand what the SBA is, does and how you can take advantage. It doesn't make it sound "easy" but it does make it sound doable. The book is very detailed, which you want in such a book, but doesn't read like a textbook. It combines down-to-earth advice and experience, with some hard and fast rules and steps to success.

Although I haven't read every book on the subject, it's hard to imagine there is a better one out there. Highly recommended!!

This book taught me alot about borrowing money with or without the sba's involvement. very easy to follow and to comprehend