October 2020

Building Triodos Bank Triodos Bank Logo

Triodos Bank 40 Years - Pioneers In Sustainable And Responsible Banking

Triodos Bank is one of the first banks that was founded to finance pioneers for a better world. Pioneers such as Demeter biodynamic farmers, Waldorf schools for free education, Anthroposophical healthcare, art, sustainable buildings and energy and all other kinds of innovative initiatives worldwide. Especially projects and organizations where all stakeholders are involved INCLUDING the financing by prepayment, lending or subsidising. For instance by prepayment of food and nutricion for the next month which is in fact the clients own part of the stock ready-to-buy. Or co-financing on the background by giving a guarantee that money will be paid in case of problem situations, assistance in continuation or phasing out if necessary. Crowdfunding avant la lettre! For consumers in the 21st century! Triodos Bank was also the birthplace for what is now called Consumer360Academy, celebrating 40 years of consumer education.

Triodos Bank is also one of the founding fathers of the Global Alliance for Value Banking GABV, a network of banking leaders from around the world committed to advancing positive change in the banking sector. Collective goal is to change the banking system so that it is more transparent, supports economic, social and environmental sustainability, and is composed of a diverse range of banking institutions serving the real economy. Founded in 2009, there is a growing network, with banks, banking cooperatives and credit unions, microfinance institutions and community development banks joining from many parts of the world.

GABV members have one thing in common: a shared mission to use finance to deliver sustainable economic, social and environmental development, with a focus on helping individuals fulfil their potential and build stronger communities. Members are deeply connected to the people and the communities they serve and are accountable for the risks they both take and create for the people who use their products and services. Focusing on inclusion puts basic banking products in service of a greater number of people, rather than highly sophisticated products in the hands of a few.

The GABV comprises of 63 financial institutions and 16 strategic partners operating in countries across Asia, Africa, Australia, Latin America, North America and Europe. Collectively they serve more than 70 million customers, hold over $210 billion USD of combined assets under management, and supported by more than 77,000 co-workers.

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September 2020

Winston Churchil - If you're going through hell, keep going Future we want UN75 2020 and beyond

75 Years United Nations and the Future We Choose.

In 1945, August 15 the Japanese signed for piece and a better future after World War 2 on the battleship USS Missoury. October 24 the United Nations were founded together with 51 countries. In 1956 and 1973 Japan and Germany became members as well. Today almost all 196 countries are member of the worldwide dialogue about the Future We Want. In 2015 they decided to go together for the 17 Sustainable Development Goals 2015 - 2030 towards the Future WE Choose! (Booktitle Christiana Figueres). The book Alternatives to Economic Globalization / A Better World is Possible by 21 world thinkers and coordinated by John Cavanagh and Jerry Mander started the first World Social Forum in Porto Alegre Brazil in 2001. A first constructive start of consumer/citizen conciousness and responsibility (we met them in Stuttgart 2004). In the years that followed also education started up worldwide in schools and in society about mature, responsible lifestyles. In 2017 the manuscript The Freedom to be Free by Hannah Ahrendt was discovered and published, a research document about what has to be done after a revolution or a war. About the management of building the future! The UN Assembly meeting in New York September 21 will be titled: The Future We Want - The UN We Need.

The human being is always in progress becoming a real co-creator! From Adam and Eve untill today and beyond. (Arnold Toynbee - A Study of History). From the thinking of the Greek, the civil rights by the Romans and the start of economic globalization and trade since Marco Polo and the Market Hall in Venice (and Paciolo the founder of bookkeeping) the human beings became "heads hearts and hands" in managing the world. From the Renaissance in the 14th century, the American and French Revolutions in the 18th century toward the globalization of production today reaching a deeper level of working in the world as a whole. And towards the 21st century of maturity the individual consumer/citizen came into the spotlights. To take his/her own responsibility for searching all possible information, all relevant arguments and trying to take the best possible decisions to buy or not to buy! Since 1960 the protests came but also most national consumer organizations to look for all information on products and services and on consumption itself. From 1970 onwards consumers organized themselves in all kinds of specific initiatives and organizations around shops, schools, medical centres, etc etc. In 1980 and beyond all kind of innovative banks (GLS Bank Triodos Bank and our own MoneyManager360) and all kinds of financial structures came into being, in the 21st century all kinds of organizations started consumer education on schools and for adults (PERL, IFHE, Consumer360Academy). The Partnership for Education and Research on Responsible Lifestyles PERL was a worldwide network of researchers and teachertrainers (we joined them in 2006) that worked especially towards new curricula for schools. Much of their expertise and knowledge later adopted by the International Federation for Home Economics, EU and UN and Consumers International. All expertise is of course available to all organizations and all schools and all of the consumers/citizens of the world family!

For the individual consumer we suggest the next twelve directions of further development and innovation:

01 RELIGION: Emancipation of Everyone! / Basics of ALL Religions (Martin Buber: Ich und Du)
02 ART: Thinking in Solutions! / Everyone is a Co-Creator! (Joseph Beuys)
03 SCIENCE: From Materialism to Holism! / From Geometry to Projective Geometry (Olive Whicher)
04 EDUCATION: Become who You are! / From Montessori to Waldorf Schools (Rudolf Steiner)
05 HEALTH: Eat and live Healthy! / Institute for Positive Health (Self Management)
06 FOOD AND NATURE: Towards 3D Agriculture! / Efficient-Biologic-Dynamic (Demeter)
07 HOUSING: From Cubic to Tangential Organic Architecture / Google "Sandcastle" Amsterdam (ING Bank HQ)
08 FINANCE: Past Present Future - Buying Lending Donating / Three ways of Financing - in Greek tri-odos (Triodos Banks)
09 TRAVEL: For Production For Trade For Consumption
10 COMMUNICATION: Free Thoughts Free Press Free Dialogue
11 HUMAN RIGHTS: From Romans to Revolutions to Consumer Rights (Freedom to be Free, Hannah Ahrendt)
12 ASSOCIATIONS: Consumer Trade Producer Together in Cooperations / True Price and Sustainability (UN SDG)

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August 2020

Stakeholder Engagement Stakeholder Online Course Sustainable Development Goals

Stakeholder Engagement and the 2030 SDG Agenda (Forword E-Learning Course MOOC)

The United Nations 2030 Agenda for Sustainable Development, and the 17 Sustainable Development Goals (SDGs) at its core, reflect the aspirations of millions of people from all over the world, for the world they want. Civil society, major groups and other stakeholders, showing unprecedented commitment and dynamism, made concrete contributions to the intergovernmental process that resulted in the adoption of the 2030 Agenda by Heads of State and Government in September 2015. Therefore, the 2030 agenda is an Agenda "of the people, by the people and for the people" and it is expected to be implemented with the participation of "all countries, all stakeholders and all people".

The 17 SDGs cut across several interlinked challenges. Tackling climate change and achieving sustainable production and consumption patterns, for instance, are central to the implementation of the 2030 Agenda and can unlock vast potential for economic growth in all regions and for all people. Creating peaceful and just societies are cornerstones of the 2030 Agenda, with the interrelation between security, humanitarian action and development being the very basis for the achievement of all SDGs.

The success of our collective journey to 2030 will greatly depend on how effectively Governments, who are in the driving seat of implementation of this transformative and universal agenda, engage national parliaments, local authorities, indigenous peoples, civil society, the scientific and academic community and the private sector in follow-up and implementation efforts and bridge the gap between people's needs and national policy setting.

The multi-stakeholder nature of the 2030 Agenda demands an enabling environment for participation by all, as well as new ways of working in partnerships to mobilize and share knowledge, expertise, technology and financial resources at all levels. This publication, which adapts the content of an e-learning course (Massive Open Online Course / MOOC) developed by the United Nations Department for Economic and Social Affairs (UN DESA) and the United Nations Institute for Training and Research (UNITAR), is designed for government officials and stakeholders interested in enhancing participation and inclusion in the implementation and followup of the 2030 Agenda at all levels.

It contains key information about participatory approaches in SDG implementation and provides concrete tools and methods in this regard. Ensuring concerted action is critical as we embark upon the Decade of Action to deliver the SDGs. We hope this publication can be a supporting tool in this regard.

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July 2020

Text World Economy Cover World Economy Cover Rethinking Economics

China to Europe - From Top-Down to Bottom-Up

In the history of mankind developments came from the east and went to the west. Especially thanks to the Silk Roads and Marco Polo. But today and tomorrow hierarchical thinking and the "Art of War for Managers (Sun Tzu) are outdated. The new mantra of DIALOGUE (Dutch: Polderen) is the modern way of communication. In culture, democracy and ........ doing business.

Exactly 100 years ago Rudolf Steiner gave many lectures and courses for economy students about how we can create the future we want. About the three basic laws of freedom in culture, equality in democracy and lawmaking, and cooperation and association in all economic relations between consumer, trade and production or service (French: liberte egalite fraternite). As simple as it is! For our individual way of living, for organizations and for society as a whole. The 21st century is the time to learn why freedom and responsibility are the basis for maturity. From top-down structures towards bottom-up decision making. Consumers/citizens asking the questions, organizations giving the answers. Not vice versa!

Today the Corona crisis worldwide shows us that we have to take our own responsibility also in medical issues (even the UN World Health Organization WHO has introduced the new mantra: consumer healthcare is about managing your own healthcare).

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June 2020

Time Magazine Bookcover Humankind - A Hopeful History Rutger Bregman

This is the Moment to Change the World

This is the text on the frontpage of Time Magazine last month and the main article written by the historian and writer Rutger Bregman. His fifth book Humankind - A Hopeful History is now translated in English and was already a bestseller in the Netherlands. Big changes mostly begin in the middle of great crisis (note: the chinese character for crisis is also the character for the possibility of change). During the Great Depression of the 1930's, the Second World War and the Great Recession of 2008 the whole world became significant "Upgraded" in international relations, culture and economy. Now in the middle of the Corona crisis we can see again many new initiatives of cultural, social and economic relations worldwide! After every human illness or crisis we can often see the person or organization getting better - better than before! That is what we call the essence of development.

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May 2020

Consumers International World Consumer Rights Day Tag cloud people, environment, sustainability

Consumers International Change Network

The newly launched Change Network is a global group of diverse organisations from civil society, governments and business, together with members to tackle specific consumer challenges and opportunities faster.

Invited progressive organisations are joining as founder associates to help shape the future now. By coming together, in partnerships on the right topic, at the right time, making real change happen.

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April 2020

Nations Unies CoP 2015 Book cover 'The Future we choose' Christiana Figueres and Tom Rivett-Carnac

The Paris Climate Agreement And The Future We Choose

Christiana Figueres was the one who made the Paris Agreement fit for agreement by all stakeholders. She did all the talking to help everyone and every government to say YES to the agreement on stopping the climate crisis. Now she has written a bestselling book HOW we ourselves as consumers can help to fix the crisis in a most comprehensive way, through a more sustainable and responsible lifestyle. But Christana Figueres and Tom Rivett-Carnac who was the architect of the UN agreement are both optimistic that we will be succesful as consumers, together with all our producers and governments.

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March 2020

Responsible Consumption and Production Cave Circle of people

Economy - From Neanderthal to Life(s)Long Learning

Lifelong learning is a hot item in education, business and even in politics today! Especially learning children on financial literacy promoted in March every year during the Global Money Week, organized by OECD/INFE. To learn how to manage your necessities of life and how money reflects what you choose to buy or not to buy. To recognise all aspects of sustainability and responsibility, and so creating your life in harmony with the whole world around you.

When we were Neanderthalers in prehistoric times we already had to make those same choices on what we really needed and how we could divide all necessary labour to meet those needs. And although money did not yet exist by then, in our minds we were already perfect bookkeepers to recognise what should be reasonable or not. Today we should say: a reason-able income is a right, but in those times we had to do calculating in our mind to find the "true price" when exchanging labour against products.

Last year we introduced the MoneyManager360 as a toolkit for household bookkeeping and as an overview on all necessities of life. Especially useful for the individual consumer. This February we introduced it as a toolkit for classroom games on home economics, also meant as an eye-opener to understand local economies and world economy as well. By playing it in a group of twelve people to divide the work for making all necessary goods and services. Then we have the most direct way to learn and understand economy. Working in a group also gives a much deeper insight in all aspects of the twelve necessities of life, the seven aspects of trade and of all possible connections in between. And of course the overview where everything fits together in a most harmonic way! The game gives a lively picture of economy and finance, the moneymanager is the most simple and easy bookkeeping sheet or daily bankaccount when used in an app.

The classroom game can be played in a natural environment, in an open air museum or a museum for education, or in the classroom. First by talking about everybody's needs and about reasons and reasonabilty (round 1). Then everybody can make an offer to make a specific product or service based on his/her own expertise and capacity (round 2). The next round all aspects of trade can be discussed such as quality, quantity and delivery (round 3). Then all products and services can be translated into amounts of money representing the worth of it (round 4). Finally can become visible how everyone's income should be reason-able for the reasons to buy the necessary necessities of life (round 5). Lessons learned can be discussed in combination with possible options for product development, or efficiency.

Especially interesting is that we are always playing four different roles in the worldeconomy. Most of us as consumer/citizen and producer/service provider, some of us as trader /transporter or banker/bookkeeper. And by playing this game we can understand worldeconomy much better! The twelve necessities of life and the seven aspects of trade are the basic eye-openers for home economics, business, politics and the big picture of worldeconomy! The game will be further promoted this year and beyond. Our website contains all ingredients for lifelong learning!

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February 2020

Economic Forum Annual Meeting Davos 2020 Stakeholders For A Cohesive And Sustainable World

Stakeholders For A Cohesive And Sustainable World
Wake - up call for consumers/citizens

Davos was again host for the World Economic Forum, now celebrating their 50th year! Klaus Schwab started this forum by inviting managers from business politics and ngo's in 1970, just after the protests of 1968, but two years before the report of the Club of Rome! A visionair who saw the need for a platform for the necessary dialogues on the future we want, this time not only inviting shareholders but ALL stakeholders of the worldeconomy. And that's about us! Because ALL consumers/citizens are in-the-end responsible for what is happening in the world. Because consumers are the ones who are paying 100% of all the products and services in the world, directly or indirectly via taxes, assurances, etc.

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January 2020

Climate Change Strategies 2020 COP 25

Climate Change Strategies In The Making

From New York to Santiago de Chile to Madrid to Glasgow. A sailing trip around the world for Greta Thunberg, promoting climate against economic growth only, quality of life against quantity only. She was Person of the Year 2019 in Time Magazine, proudly on the frontpage! But the COP 25 conference in Madrid did not go so well, and no decisions were made yet. But the will to change strategies was strong and most voices sounded loud and clear to take the necessary decisions in favour of the climate and a maximum rise of temperature of 1.5 degrees Celsius. We will hopefully see that at the COP 26 conference in Glasgow, Scotland 9 - 19 November.

But the most important decisions have to be made by ourselves, as consumers! We are free to choose, but also 100% responsible for all decisions we make. To buy or not to buy is our daily mantra: to find all necessary information, to discuss all relevant arguments, to take the best possible decisions about quality, quantity and price. It is all about the quality of life, for all people and for the planet! Only when we ask the best questions, we can hope to get the best answers. Working from an economy of supply and demand, towards an economy of question and answer!

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December 2019

A Warning by Anonymus Common Sense by Thomas Paine Statue of Liberty

Consumer/Citizen Responsibility - The Basis for the Future We Want

Published November 19 just after the impeachment hearings in Washington, these words are at the heart of the epilogue of the bestselling book "A Warning" written by Anonymus, a senior Trump administration officer who took the courage to write this book as a warning for all of us consumers/citizens worldwide. A warning that we are all responsible not only to choose the governments best fit for governing, but also to keep being involved in what happens year by year, minute by minute. Thomas Paine already said so in his book "Common Sense" published 1776 when the United States were founded. He also signed his book as an anonymus: "written by an Englishman".

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November 2019

French Revolution Enough is enough Capital and Ideology

The New French Revolutions

The French Revolution of 1789 was about inequality. And all the revolutions this month in Lebanon and Santiago de Chili are about inequality too. So what's new(s)? Thomas Piketty wrote a new book on how to manage property between individuals and society, with the intriguing title "Capital and Ideology". A 1200 page book on capital and property (english edition will be published in 2020 March 10). About the billions earned by means of more and more efficiency and innovation should not be the property of individuals, but of society as a whole. To reinvest in innovations of new products and in education of future consumers and producers who will shape the society we want. Some enterprises are already changing their mission statements to make money work for all, by asking labourers and consumers to participate in their decisionmaking.

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October 2019

UN Building UN Climate Summit 2019 Greta Thunberg

Greta Thunberg at the UN Climate Summit - From Goals to Actions

The UN Climate Summit in New York was about action instead of debate alone. Especially inspiring were the protestmarches of schoolkids around the world to call for action! Greta Thunberg, the 16 year old "viking" schoolgirl from Sweden, presented a short keynote speech spiraling from astonishment to angriness about all the thinking in terms of economic growth alone. She called for action towards sustainability, fairness for all, and especially for action NOW. Because we are running out of time if all scientists are correct in their forecasts. Not only for the next generation, but for all generations to come! Even for ourselves, when we (hopefully) come back in a next life ...

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September 2019

Building ING Bank Dutch Banks Banking App

Banks Promoting Consumer Financial Literacy

ING Bank (see picture) and most other banks in the Netherlands are now promoting sustainability and financial literacy. Through lessons, apps, toolkits and moneymanagers (household and budget booklets).
For expenses only, we developed the most basic MoneyManager360 (see our own website

August 2019

The World Bank World Timezones Building World Bank

24 Hours Econothon - World Economy in the Classroom

All countries and all people in the world have common challenges. In accordance with the SDG's (UN Sustainable Development Goals 2015 - 2030) the World Bank and civil society organisations worldwide work together to find the best possible solutions for a better world. Education, sustainability, levering trade to reduce poverty, and everything else that can help the world economy to be profitable for everyone. In a 24-hour marathon discussion live on the internet, the World Bank discussed all aspects of world development and explained what they are doing to help us make the futures we want.

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July 2019

Sustainable Development Goals Atlas of Sustainable Development Goals 2018 from World Development Indicators Financing for Sustainable Development Report 2019

Sustainable Development Goals - First conclusions after four years

The adoption of the 2030 SDG Agenda was a victory for international cooperation, but most of all for the world's people. The high-level gatherings in September 2019, including the high-level political forum on sustainable development, will give the United Nations a moment to reflect on the first four years of this essential journey. Notwithstanding slow progress, I remain convinced that the Organization can bring the Agenda's inspiring vision to life.

On all fronts, multilateral action is essential. Only together can countries find solutions to poverty, inequality and climate change, the defining challenges of the times. Only together can they bolster their rules-based global trading system and mobilize the technology, solutions and financing needed to achieve the Sustainable Development Goals. Only together can countries transform economies and societies to empower all women and girls, truly benefit all people and preserve the health of the planet.

Let countries make the world gathering in September a moment when they summon the ambition required on climate change, re-energize and refocus their response to the Sustainable Development Goals and step up their commitment to reaching those who are the furthest behind and supporting the most vulnerable countries.

The pressures of the era are mounting; the trust that binds the world is fraying. Today's generations and the next need the world to do better. Fortunately, there is still time to achieve the future envisioned in the 2030 Agenda for Sustainable Development. Let the world find the wisdom, the solidarity and the will to move ahead in order to ensure a life of dignity and prosperity for everyone, everywhere.

(These conclusions will be the basis for the UN SDG Summit in New York 2019 September 24 - 26)

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June 2019

Foreign Affairs Global Internet The world in our hands

Looking for New World Strategies

This month the wellknown magazine Foreign Affairs is all about searching for a strategy for the USA. It is published by the Council of Foreign Relations in New York, which is since almost hundred years the most important advisory board for US foreign policy, It is also very interesting to read for politicians and business people worldwide. And now in the 21st century also highly interesting for NGO's, civil society, consumers and consumer organizations. Because the globalised world now involves all parties. Because we are all dependent on all resources and therefore responsible for all kinds of relations between people worldwide. Searching for new strategies how to work and live together is basic stuff for everyone! Especially now that world politics, world economy and the interactions between all cultures are most actual after the EU elections!

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May 2019

Impulse for the Future Forum3 Forum Theater Stuttgart

100 Years of Social Threefolding - Impulse for the Future

Just after the First World War and the peacetalks in Versailles it was in Stuttgart, Germany that Rudolf Steiner gave many lectures on the basic nature of the human being, of society and of the universe as a whole. These can be recognised as threefolded. Head, heart and hands are our tools for thinking, feeling and willing. The same aspects can be recognised in society: culture, legal life and economy. But the essence is that the corresponding qualities are freedom, equality and cooperation in their own domain. And not in one of the other two! Only then society can work properly. And problems can be solved most efficiently, crises and even wars prevented.

At the conference in Forum3 in Stuttgart more than 500 people were welcomed by the mayor who spoke about the history of Stuttgart, where many of Rudolf Steiners ideas were already introduced from 1919 onwards in a variety of products and organizations. Waldorf Schools, biodynamic agriculture, Weleda medicines and natural health products and much more for all necessities of life.

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April 2019

Global Money Week How does money make your world go round? Global Money Week 2019

Global Money Week, Financial Literacy, MoneyManagers and More ...

Since 2012 the Global Money Week helps children around the world to learn financial literacy. On what sorts of information you need and what arguments are relevant to take the best possible decisions to buy or not to buy. In almost all countries around the world children could visit stock exchanges, banks, and money museums. Or take classes on financial literacy: spending, saving and subsidising. Or learn all about income, taxes, insurances and all kinds of earnings and savings.

For all the (future) consumers of the world we ourselves launched the MoneyManager360. The most complete but also the most simple overview of all expenses for all necessities of life. The new extra domain-name redirects to the homepage of our website where you can find the moneymanager (one small excel sheet only, download for free). All the other pages of the website are in fact background information for taking decisions.

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March 2019

Earth Earth from space Earth Centre

The Whole World's a Stage and Every Human Being a Mere Player! (Shakespeare in the Earth Theatre?)

In February it was the premiere of the Rotterdam Academy of City Astronauts going on tour through the Netherlands. A highly interesting experience on how astronauts are looking at the earth as a stage on which we live together with consumers. And how fragile she is! And how important it will be to reach at least the SDGs in 2030. Especially when we observe the world as astronauts we can get the right feeling about the urgency and the best possible overview of all problems and possibilities.

Thanks to the great storytelling of initiator Marjolein van Heemstra the bigger picture of human development becomes very real and highly motivating! And who wants to see the Earth from the astronauts perspective themselves a visit to the unique Earth Theatre in Kerkrade (Netherlands) is recommended.

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February 2019

World Economic Forum Conference room Davos Insider

World Economic Forum - Another World in the Making

It was in Davos again that all aspects of how to achieve a better world according to the SDGs were discussed. Almost all discussions were enthousiastic, constructive and relevant in themselves and in relation to the worldwide questions. Too much positive developments for a journalist to decide on what to report! So please look at the website of the World Economic Forum yourself to experience the vibration of Another World in the Making!

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January 2019

The New Silk Roads

The New Silk Roads - Production Trade and Consumption in the 21st Century

The future of globalization will depend mostly on where commodities are found, trade routes are developed and cultures cooperate, coexist or "clash" with each other. The bestselling masterpiece Silk Roads (2015) was about the past, this book The New Silk Roads (december 2018) is about the future. A must-read for everyone who is interested in the economical roots of globalization and human development.

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