Other People's Money: The Corporate Mugging of America

Book Description

Critical, independent voices are seldom found within the citadels of international finance. That's what makes Nomi Prins unique. During fifteen years in the upper flights of banks like Goldman Sachs, Bear Stearns, and Lehman Brothers, Prins never lost her ability to see the broader picture. Furthermore, as this eye-opening book testifies, she lived to tell the tale.

The result is an insider's account of the big banks' giddy ride through the boom economy. Prins provides fascinating firsthand detail of day-to-day life in the financial leviathans, with all its rich absurdities and ceaseless power plays. Uncovering the old-boy networks and hot-money flows between Wall Street, Corporate America, and Capitol Hill, she also exposes the whitewash reforms brought in to control them.

In the first years of the Bush administration some of America's most prominent corporate executives cashed out billions of dollars in stock options before driving their companies to ruin through fraud and bankruptcy. In their wake they left a tangle of lost jobs, depleted pensions, and shattered lives. Yet, to write off this corruption as the unbridled greed of a select few is an oversimplification. As Prins shows in this devastating exposé, the much-publicized corporate malfeasance of recent years resulted from deregulation that trashed the rules of responsible corporate behavior. Faced with increasingly absent regulatory agencies, toothless legislation, and an utter lack of accountability, the stock market roared on the back of phony balance sheets while the executives made out like bandits and Congress looked the other way. Worse yet, everything remains in place for a repeat performance.

Customer Reviews:

excellent topic, trapped in partisan commentary & poor editing.......2006-01-14

Nomi Prins, formerly a director at Goldman Sachs, has penned a work revealing that commercial & investment banks are principally interested in making money. No shocker there, but the folks employed at these large financial institutions might not have their clients' best interests at heart. This isn't news to the expected audience for a financial title like this, although her occasional description of seedy practices may surprise the average reader.

Nomi gradually moves on from the money-grubbing banks, to the pair of industries that fed on unlimited quantities of debt and equity issues to fund expansion: the telecom and energy sectors. WorldCom and Enron, respectively, are the principal focus of each sector. Nomi does a nice job providing the broad history of growth of these former giants, but details regarding operations, personnel and the accounting chicanery are left to other works.

At every turn, the discussion threatens to follow through with an indictment of the Bush administration, for numerous issues. This is where the partisan commentary seriously reduces the value of Nomi's work. She unmistakably has an axe to grind with the Bush administration, referring several times to the 2000 Supreme Court decision to stop ballot recounts in Florida (mind you, Florida State Law considered those recounts illegal, Florida State courts upheld that law when pressed by Al Gore's legal team, and the U.S. Supreme Court simply upheld those rulings). For Nomi, this turns into an opportunity to criticize the slow pace of justice in the prosecutions against Ken Lay, Bernie Ebbers, Andrew/Lea Fastow and Scott Sullivan. She also strikes at the 2002 Sarbanes-Oxley Act as too little, too late, and criticizes the administration for its fundraising ties to big businesses. Before I skewer her line of thinking, let me grant that some points raised do deserve further investigation: for instance, why the government engaged WorldCom for more business after it entered bankruptcy and never prosecuted it for corporate fraud.

The single greatest reason Nomi's line of attack fails is simply this: all the deregulation, all the investment bank financing, all the mergers, all the political contributions, all the fraudulent accounting, all the SEC failures to review corporate books, all the IPO flipping, all the nonsensical Internet ideas that received funding, the 2000 peak of the stock market bubble... it all (or substantially all) occurred under the Clinton administration! Nomi, choosing not to detail the truth of failures in accountability and enforcement, therefore pins what little she has on the Bush years, such as the sweetheart fines Elliot Spitzer extracted from NYC banks and brokerages, and the failure to prosecute the likes of Jack Grubman and Sandy Weill. In other words, a fire raged for years to the delight of the Clinton administration, and Nomi blames the Bush administration for not dousing the few hot embers in the charred remains with all the waters of the ocean.

You'll become frustrated at times with run-on sentences, and missing or misplaced punctuation (neither is completely Nomi's failing, let's give the editor due credit too). Also, each of the 6 chapters contains some 20-25 smaller sections of a couple pages each. Each of these sections contains a header, but beyond the first paragraph of each section, the topic diverges wildly. The layout is truly scattershot within chapters (and sometimes across). Terms used early in the book are defined 50 pages later. Individually, these copy issues might not amount to much, but taken as a whole, there are some serious editing issues here. I can appreciate the desire to pack lots of information into a single work, and fault lies not so much with the intention as with the execution. I bet this final version differs little from initial drafts, because it reads very much like an unedited work.

If you want to further investigate the rise and fall of Enron and WorldCom, the unbridled greed and drive for cash at corporate banks, and the governmental failings that drove our economy and stock markets to unsustainable heights, I suggest you look at other works devoted to these topics. Nomi's attempt to cover them all, in a shell blaming the firemen for the fire and in desperate need of editing, is not a good use of your time or money.

Mixed Bag.......2005-07-29

Having now read many books on the "corporate mugging" of individual investors, I've either hit my breaking point or this is a boring book. This book is a rehash of how investors were mistreated and how Wall Street participated willingly. And given that it is written by an investment banker with over ten years experience, it does have some credibility.

What this book does well is give great background on the scandals focusing mainly on telecom and utilities. In addition to the general background of Wall Street and the climate in the stock market, she does an exceptional job of providing regulation and deregulation background. But this book eventually wears you down. Maybe that's my fault. Having taken a large WorldCom loss followed by substantial profits in the beaten down utilities in light of Enron, I thought the subject matter would be right up my alley. But it's repetitious so if you read WSJ, Businessweek and NY Times, you've already read all of this. With the possible exception of her detailed coverage of the regulatory environment affecting the utilities.

In summary, I was interested in a business biography. What I received was a detailed, complex college textbook analysis of this unique investment period and the excesses that caused such a great loss of wealth. Maybe it's just my fault for having read too much but in summary, this book was too detailed and too repetitious and I didn't enjoy it. Read at your own risk.

Disappointing.......2005-02-09

Ms. Prins, she tells us, was shocked, SHOCKED, to discover that Goldman Sachs is not a boy-scout troop. Well, yes, however I was left wondering why it took her fifteen years on Wall Street, and two years as an M.D. at Goldman, to realise this (more prissy than Claude Rains, she is careful to let us know that she left her winnings behind her). Has she never read Liar's Poker? Actually apparently she has, but you wouldn't guess.

No more impressive is her self-congratulatory description of how she would split from Goldman in her lunch break to join anti-IMF/WB/WTO/globalisation-in-general demos, which clearly gave her a self-satisfied glow of virtue. Unfortunately this does not strengthen her credentials. G-S may not require merit badges from prospective employees, but it does expect analytic intelligence, and anyone capable of landing a senior job there should have known that the (refined - if not the WSJ ed. page) case for globalisation has never been in dispute by uncool nerdy policy wonks (i.e. informed, intelligent people), but only by cool rock musicians and social sciences/culture studies students, and that all those feel-good demos were essentially no more than destructive stupidity, hurting the people whom the participants - at least sometimes - thought they were helping. Ms. Prins should read more by those infamous capitalist predators Paul Krugman and Jagdish Bhagwati before venturing back into print (she might also learn from them how to write).

Other Peoples Money comes with blurbs from the Economist and Ralph Nader both. It was even listed by the Economist as a book of the year (how can you resist a book recomended by Ralph Nader and the Economist both?), and as such it is a serious disappointment. It sprays moral indignation around with a firehose, but condemns banks as much for simply trying to make money as for gross moral turpitude, which is very bad for its case, since there is clearly moral turpitude and to spare.

This book reads like a set of preliminary notes, not a finished work: it repeats itself over and over, it lacks structure (indignation is not structure), and it lacks a coherent case. The real, and overwhelming, moral case, which is never effectively made, is not about the wickedness of banks, but about the need for effective, disinterested regulation. (Sure, there is lots about weak regulation, but this is presented as the fault of the banks - but there is nothing immoral about banks lobbying for privileges - everybody lobbys for privileges, proletarian heros such as steel workers included - what is wrong is politicians who are stupid or venal enough to give in to such lobbying).

Completely missing, also, is any analysis of the *stupidity*, as opposed to the corruption, of the banks and the consultants in the late 1990s and early 2000s; if they were dope pushing sharks, then they were also sharks addled a lot of the time on the stuff they were selling.

My conclusion, at the end (or more accurately, at about page 200, when I gave up), was that, with enemies like Ms. Prins, the Street need lose no sleep over the steadfastness of its friends.

By the way, I no-more believe that Ralph Nader actually read Other People's Money before providing his blurb than that the Pope or Ian Paisley watch the movies they condemn.

Exactly..........2004-10-30

What great journalism is supposed to do, challenge the powerful and succinctly, clear lay out complex issues to explain the motivations at their core. This book is essential reading for anyone who wants to see how the free market system has been overrun by charlatans and criminals whose hands were held by government and who all the while claimed to be its champions.

Whose Money? OURS!.......2004-10-04

Nomi Prins is the meteorologist of the Market Crash of 2002. She analyzes the "perfect storm" created by deregulation in banking, energy and telecom markets; combined with the manipulation of political power, and the avarice and greed of key executives in these industries.

Want to know whose money? OURS!

Investment Banking in America: A History (Harvard Studies in Business History)

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Investment Banking in America: A History (Harvard Studies in Business History)
Vincent Carosso
Manufacturer: Harvard University Press
ProductGroup: Book
Binding: Hardcover

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ASIN: 0674465741

Money and Capital Markets in Postbellum America

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Money and Capital Markets in Postbellum America
John A. James
Manufacturer: Princeton Univ Pr
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Binding: Hardcover

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ASIN: 0691042187

Where the science of banking begins;: History of thrift education in America,

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Where the science of banking begins;: History of thrift education in America,
John Joseph McCann
Manufacturer: Financial advertisers association
ProductGroup: Book
Binding: Unknown Binding

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ASIN: B00087M8P0

Book Description

This digital document is an article from Journal of Small Business Management, published by International Council of Small Business on April 1, 2001. The length of the article is 6634 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Organizational Learning: An Empirical Assessment of Process in Small U.K. Manufacturing Firms.
Author: Ian Chaston
Publication: Journal of Small Business Management (Refereed)
Date: April 1, 2001
Publisher: International Council of Small Business
Volume: 39 Issue: 2 Page: 139

Distributed by Thomson Gale

Book Description

A life-changing program to teach women and men the feminine way to start a business, develop self-confidence, self-love, and gain a new outlook on life.

Lynne Franks is one of the best-known public relations consultants in the world. In the years since she first began working from her own kitchen table, she has advised and guided women entrepreneurs from diverse cultural backgrounds across the globe.

In The SEED Handbook (Sustainable Enterprise and Empowerment Dynamics), Franks pulls together a twelve-stage program that is both an economic and personal growth tool. It contains practical exercises to give readers the confidence to trust their abilities, passions, and values to enable themselves to create something organic that grows naturally from who they are as people. Franks shows how to keep the dream alive with marketing, business planning, marketing launches, and case histories.

The women and men who Franks uses as examples are creating consciously ethical and responsible businesses based on integrity and love. Like them, many of us desire to start a sustainable enterprise but are too fearful. The SEED Handbook helps break the social conditioning and lack of confidence, find support, mentors, and plant the seeds that can create the garden we want to have in our lives.

With Franks's handbook, readers will not only become members of a thriving SEED community, but also happily take responsibility for their lives.

Illustrations by Anne Field

Customer Reviews:

Wonderful.......2007-05-07

This is a great book for anyone starting a business. I have had a consulting business for 2 years and I am using this book now to grow and further my business. It is a wonderful process.

Inspirational feminine intuition and intellect.......2005-03-04

A great inner workbook to get the prosperity consciousness going. Very affirmative in tone and lots of anecdotes. A list of other resources is included to continue learning about blending soul with capitalism. Best to use the Suze Orman books in conjunction with one such as this. Franks offers the inner wealth techniques, Orman outlines actually action strategies to bring money and abundance into physical existence.

There are better books on the market.......2001-03-29

Although I believe Lynne Franks has good insight for people who want to start their own business, I found it annoying the way that she would name drop and take credit for the success of others. If you are looking for an uplifting book that will help you take the next step toward running your own business, I would recommend, "Building a Business the Buddhist Way : A Practitioner's Guidebook" by Geri Larkin. This book provides the inspiration to take the next step and more practical advise on how to write a business plan and get started.

There are better books on the market.......2001-03-29

The Best Book in The World on starting a woman owned Busines.......2000-07-20

The book tells you that it is ok to shoot for the stars when every one else tells you other wise. If you want to start you own business and your a women PLEASE BUY THIS BOOK TODAY!

Customer Reviews:

Career defining work.......2006-11-04

Edward Banfield's reputation was built on the basis of this book and the research that informed it. While I am confident that he added significant value in his work and writing subsequent to this effort, I am equally confident that in the minds of most of Banfield's fans, at least those with whom I have discussed this book, he was defined by this work. The Moral Basis of a Backward Society is an exceptionally powerful ethnography describing what happens when there is no "community" even in what is described and thought of as a community, as in the village that serves as the backdrop for this book. Outstanding lessons are observable in this work that are transferable to our current society. When we decide we will work together, there are few limits to what we can accomplish. When we fail to do that, all of us, and the community spirit suffers.

A Young Man's Astonishment and Anger.......2005-08-12

Ed Banfield must have been about 42 when this book was published, yet it has a young man's astonishment and a young man's anger. Shrewd and observant as he was, he seems not to have realized what the world could be like until he settled down here in what was then (as, indeed, now) one of the poorest parts of Italy. It shocked him, as indeed it might have, for any number of reasons. But Banfield focused on just one: "the inability of the villagers to act together for their common good or, indeed, for any end transcending the immediate, material interest of the nuclear family." Until then, Banfield had been (he would surely hate this characterization) an American innocent-one thinks of the Ugly American in Graham Greene's novel, all good intentions and unintentional mischief. The difference is, of course, that Banfield did not remain an innocent: with his unflinching clarity of vision, and his shrewd capacity for synthesis, he used this inquiry to launch himself into one of the most important careers in political science in the 20th Century.

In hindsight, one may be tempted to say that he could have known better. He does quote from "Christ Stopped at Eboli," by Carlo Levi. But in addition to Levi, others had seen what Banfield came to see: one thinks of Verga or Silone (one is tempted to add Sciascia, but most of his work came later). Indeed, closer to home, he might have learnd from Norman Lewis' great "Naples '44."

But this, as I concede, is hindsight. The fact is that you can't think of any other American scholar of his generation in his time who approached this kind of problem in this kind of way.

Banfield's encounter with Montegrano clearly informs his later work: his studies of Richard Daley's Chicago and his later, more general work on city politics and on government in general. Superficially, this may appear paradoxical. In Montegrano, Banfield lamented the curse of "amoral familism." This might seem to suggest a distrust of families, and a hospitality to government participation ("It takes a village..."). Yet Daley's Chicago is a community of families and his later work shows a distrust of government that borders on truculence.

The paradox is, of course, quite superficial. Daley's Chicago is a community of families, but a community with a vibrant public life. And it is the very corruption of government in a place like Montegrano that adds such plausibility to Banfield's later critique. One thinks of James C. Scott and his admirable "Seeing Like a State".

There is another and wholly different virtue of Banfield's work that deserves mention. This is his use of scholarly apparatus. The blurb on my old Basic Books copy says mentions (appreciatively) his "use of T.A.T. materials" along with "intensive standardized fieldwork Neo-Freudian psychology, and structural-functional analysis." Even the concept of "amoral familism" bears the smell of the lamp. It is all bound to send the alert reader fleeing to the new Harry Potter. A critical mistake: Banfield not only survives all the academic detritus, he positively transcends it: he is one of the few who can make this kind of analytical structure produce something plausible and interesting.

Footnote: for further background on Banfield, there is a wonderful appreciation by his sometimes co-author, James Q. Wilson, in The Public Interest for Winter 2003. Google "Banfield Wilson Public Interest moral basis" and it ought to be the first hit.

A new field of study.......2003-10-18

For those of us that wish to look at the foundations of the case study, Banfield's book is a good start. The only problem is his definition of what constitutes a backwards scoiety. His work was new and intruiging, but it explains the human nature without addressing human nature. By nature, humans are selfish. In the case of an isolated village, the people of Montegrano were not backwards. Instead they were doing what was necessary to survive. They did not organize for the greater good of society because they were too busy searching for food for that day and the next. That does not seem backwards. That seems like survival of the fittest,to use a tired cliche. Whenever examining a case study, we need to be sure that we do not generalize the subject.

superficial.......2001-10-24

This book's main contribution is in the definition of "amoral familism": the well established primitive behaviour of human beings (present in different extent in any social structures) which may be expressed as the primitive "clan law" that any person should be faithfull to the other members of his/her clan/family independently on how these other members behave. However, the book does not add much contribution to the understanding of the REASONS for the different speeds of development (or even for the cases of social "regression") of many regions in the western coutries. In particular, this book is totally silent as to the nature of the "civilizing" force which overruns the more primitive associative scheme represented by the "amoral familism".
To concentrate, as the author of this book does, only onto the primitive clan obedience, means, for instance, that even the american "Far-west" communities in the 1800's, or even the Al Capone ruling of Chigago could be ascribed simply to "amoral familism"!!!.
This book is totally silent as to the factors that in the history of the richer regions have overturned the primitive associative organization in familar clans into larger social indentity. Is the absence of these factors the real cause of any undeveloped or even regressed society.
In particular, this book does not recognise the basic fact that the more "the law" is applied in the same way for everybody (i.e. the more a society is ruled by the law) the more any citizen may recognise himself as a part of the larger social structure rather than searching for protection in the familiar clan. In the most developed societies the leading classes have been (and must constantly be) OBLIGED to follow the "law", in many cases in consequence of revolutions and/or of the constant pressure of the middle classes and in general of anybody who have understood that the more the "law" is ruling a state the richer the entire society is.
In many undeveloped regions the ruling of the law has not yet been realized and the leading classes may still abuse the "law" for their short term economical interesses, thereby preventing the overall economical developement as well as the growth of a "social" coscience.
I think that the author of this book has not asked to himself how many americans would regress to "amoral familism" if e.g. the us courts would constantly refuse to enforce the law for the favour of large companies or certain leading social groups (e.g.the wasp americans).
Accordingly, he has not investigated the reasons why e.g. some regions have a very corrupted state administration, why some ways of providing international charity have only resulted in an even more corrupted administration, etc... The only message in this book is: the less developed regions have a less developed "social" attitude. This book however does not even recognise that the fact that the "amoral familism" remains (or become again) the leading social ruling is the EFFECT and not the cause of the undevelopment.

This book is pseudo-science.......2001-07-04

Banfield's "amoral familism" is a convenient way to explain away poverty, but it's a little too convenient. He wants to explain the poverty in Southern Italy, but he never looks at the historical, geographical, environmental or other factors that contribute to this poverty. Where is the discussion of the malaria epidemics that prevented this region from developing sea trade (people who lived by the coasts died from malaria a lot, thus preventing the development of a significant maritime economy)? Similarly, he doesn't like to examine Calabria's geographical isolation from the rest of Europe (all the way at the end of a peninsula) and the fact that there weren't very many roads leading into that place until the 1930s. What about the fact that the allies bombed the hell out of this place a mere decade before this "research" and relatively little of the Marshal plan assistance ended up going there? He also neglects to consider the other invading armies that had visited this place before Mr. Banfield (the Austrians, the Spanish, the French, the Normans, etc.), some of which were still in living memory at the time, as Calabria was on the front line of the Austro-Hungarian invasion of Italy during WWI. How is a region supposed to develop economically when a different army sweeps through every generation, and there is no practical way to trade in large quantities with the rest of the world without malaria epidemics and in the absence highways and trains to carry goods? Any kind of sensitive treatment of this subject matter would look at these and other factors, and not just dismiss them as "excuses." Banfield's "amoral familism" is a convenient way to explain away poverty, but it's a little too convenient. Having spent time in Calabria, I am impressed with how far these people have come since the WWII and the crippling poverty that ensued afterwards. This area is still far from well off, but all the progress that a stroll down Corso Mazzini (a major shopping and business district) would make obvious flies in the face of Banfield's "science." In order to support his feelings about the poor, Banfield neglects a host of factors that any sensitive review of this region would make obvious.

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MORAL BASIS OF A BACKWARD SOCIETY
EDWARD C. BANFIELD
Manufacturer: FREE PRESS
ProductGroup: Book
Binding: Hardcover
ASIN: B000KVIAJW

Looking Backward 1988-1888: Essays on Edward Bellamy

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Looking Backward 1988-1888: Essays on Edward Bellamy
Daphne Patai
Manufacturer: University of Massachusetts Press
ProductGroup: Book
Binding: Paperback

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Backward Glance: A Brief History of Rockville - Maryland

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Backward Glance: A Brief History of Rockville - Maryland
MONTGOMERY COUNTY HISTORICAL SOCIETY
Manufacturer: MONTGOMERY COUNTY HISTORICAL SOCIETY
ProductGroup: Book
Binding: Paperback
ASIN: B000KZDFNO

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The backward society
Raymond Frost
Manufacturer: St. Martin's Press
ProductGroup: Book
Binding: Unknown Binding

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ASIN: B0007DE3DK

Looking backward, thinking forward;: The jubilee history of the Woman's Home Missionary Society of the Methodist Episcopal Church

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Looking backward, thinking forward;: The jubilee history of the Woman's Home Missionary Society of the Methodist Episcopal Church
Stella Wyatt Brummitt
Manufacturer: The Woman's Home Missionary Society
ProductGroup: Book
Binding: Unknown Binding
ASIN: B00086IK6C

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Moral Basis of a Backward Society
Edward Banfield
Manufacturer: Free Pr
ProductGroup: Book
Binding: Paperback
ASIN: B000O91YTI

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The Moral Basis Of A Backward Society -
Edward C. Banfield -
Manufacturer: Free Press -
ProductGroup: Book
Binding: Paperback
ASIN: B000P2Y4YQ

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Moral Basis of the Backward Society
Edward Banfield
Manufacturer: UNSPECIFIED VENDOR
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Binding: Paperback
ASIN: B000UP6SEW

One Step Backwards, Two Steps Forward: Soviet Society and Politics in the New Economic Policy

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One Step Backwards, Two Steps Forward: Soviet Society and Politics in the New Economic Policy
Roger Pethybridge
Manufacturer: Oxford University Press, USA
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Binding: Hardcover

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Book Description

This study of Soviet politics and society under the New Economic Policy is the first to relate local problems directly to changing central ideological views during the crucial early years of the Soviet State. Roger Pethybridge makes an intensive examination of five Russian and minority localities in 1922, when the NEP was at its early stages, and again at its height in 1926. These detailed studies demonstrate that under the early NEP there were effectively two capitals - Moscow for politics, and Petrograd for culture, and their roles are examined in depth, as Professor Pethybridge analyses the workings of Bolshevik control mechanisms, and means of communication between centre and periphery in this period. One Step Backwards, Two Steps Forward throws new light on the roles of socio-political agents, and potential enemies in Russia's vast hinterland. Professor Pethybridge argues that the well-known threat to the regime from the kulaks was less menacing than that from the Nepmen and the artisans. This carefully researched and provocative account of the formative years of the USSR will be invaluable to all scholars of Soviet history and government.

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