Download or read book Credit Card Nation The Consequences Of America s Addiction To Credit written by Robert D. Manning and published by . This book was released on 2000-12-25 with total page 424 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit Card Nation is the first comprehensive look at an ongoing social and economic crisis-America's escalting dependence on credit. By locating consumer debt within the context of corporate and governmental debt.
Download or read book Expressing America written by George Ritzer and published by SAGE Publications. This book was released on 1995-02-09 with total page 259 pages. Available in PDF, EPUB and Kindle. Book excerpt: The explosive growth of consumer credit, as well as the shift from cash to "plastic" in societies throughout the world signals a transformation in social relations, which is the focus of this book. For student readers who know the world of credit cards all too well, this is a great way to interest and educate them on the power of thinking sociologically.
Download or read book Debtfare States and the Poverty Industry written by Susanne Soederberg and published by Routledge. This book was released on 2014-09-19 with total page 347 pages. Available in PDF, EPUB and Kindle. Book excerpt: WINNER of the BISA IPEG Book Prize 2015 http://www.bisa-ipeg.org/ipeg-book-prize-2015-winner-announced/ Under the rubric of ‘financial inclusion’, lending to the poor –in both the global North and global South –has become a highly lucrative and rapidly expanding industry since the 1990s. A key inquiry of this book is what is ‘the financial’ in which the poor are asked to join. Instead of embracing the mainstream position that financial inclusion is a natural, inevitable and mutually beneficial arrangement, Debtfare States and the Poverty Industry suggests that the structural violence inherent to neoliberalism and credit-led accumulation have created and normalized a reality in which the working poor can no longer afford to live without expensive credit. The book further transcends economic treatments of credit and debt by revealing how the poverty industry is extricably linked to the social power of money, the paradoxes in credit-led accumulation, and ‘debtfarism’. The latter refers to rhetorical and regulatory forms of governance that mediate and facilitate the expansion of the poverty industry and the reliance of the poor on credit to augment/replace their wages. Through a historically grounded analysis, the author examines various dimensions of the poverty industry ranging from the credit card, payday loan, and student loan industries in the United States to micro-lending and low-income housing finance industries in Mexico. Providing a much-needed theorization of the politics of debt, Debtfare States and the Poverty Industry has wider implications of the increasing dependence of the poor on consumer credit across the globe, this book will be of very strong interest to students and scholars of Global Political Economy, Finance, Development Studies, Geography, Law, History, and Sociology. The Open Access version of this book, available at http://www.taylorfrancis.com/books/e/9781315761954, has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license. https://www.youtube.com/watch?v=2lU6PHjyOzU
Download or read book Maxed Out written by James D. Scurlock and published by Simon and Schuster. This book was released on 2007-03-06 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: Foreclosures are hitting record highs; Americans are declaring bankruptcy at rates ten times that during the great Depression; more college students drop out because of debts than due to poor grades; reports of debtor suicides proliferate in the media. In other words, it's a great time to be in the banking business. Maxed Out takes us on a road trip that is sometimes hysterical and often horrifying: from Las Vegas to the Bible Belt, from the backwoods to inner cities, where the world's largest financial giants troll for their next victims. Welcome to a country populated by debt pirates, corporate predators, human credit card billboards, debt evangelists, megamillion-dollar spec homes, and, of course, trillions of dollars of easy credit. Combining startling facts with even more startling examinations of individuals, institutions, the government, and modern religion, James Scurlock separates the myths (there is "good debt" and "bad debt") from the harsh reality (corporations partner with colleges to target today's youth; credit reports are riddled with errors that will never be fixed; and death, for many of those in trouble, is the only way out). At a time when the financial industry posts ever-higher profits even as its clients drown in the flood of easy credit, Scurlock exposes very real, potentially disastrous systems and policies that are consuming millions of Americans. Maxed Out takes readers on a wickedly smart and entertaining tour of what one interviewee calls "the last taboo."
Download or read book The Impact of Public Policy on Consumer Credit written by Thomas A. Durkin and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: As both the twenty-first century and the new millennium opened and the old eras passed into history, individuals and organizations throughout the world advanced their listings of the most significant people and events in their respective specialties. Possibly more important, the tum of the clock and calendar also offered these same observers a good reason to glance into the crystal ball. Presumably, the past is of greatest interest to most people when it permits better understanding of the present, and maybe even limited insight into the outlook. In keeping with the reflective mood of the time, the staff and friends of the Credit Research Center (CRC) at Georgetown University's McDonough School of Business noted that the beginning of the new millennium also marked the beginning of the second quarter-century of the Center's existence. The Center began at the Krannert Graduate School of Management at Purdue University in 1974 and moved to the McDonough School of Business at Georgetown University in 1997. The silver anniversary of its founding offered the occasion for creating more than another listing of significant past accomplishments and milestones. Rather, it offered the opportunity and, indeed, a mandate for CRC as an academic research center, to undertake a retrospective and future look into the status of research questions pertaining to consumer credit markets. For this reason, the Center organized a research conference which was held in Washington, D. C.
Download or read book Drugs and Drug Policy written by Mark A.R. Kleiman and published by Oxford University Press. This book was released on 2011-07-13 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: While there have always been norms and customs around the use of drugs, explicit public policies--regulations, taxes, and prohibitions--designed to control drug abuse are a more recent phenomenon. Those policies sometimes have terrible side-effects: most prominently the development of criminal enterprises dealing in forbidden (or untaxed) drugs and the use of the profits of drug-dealing to finance insurgency and terrorism. Neither a drug-free world nor a world of free drugs seems to be on offer, leaving citizens and officials to face the age-old problem: What are we going to do about drugs? In Drugs and Drug Policy, three noted authorities survey the subject with exceptional clarity, in this addition to the acclaimed series, What Everyone Needs to Know®. They begin, by defining "drugs," examining how they work in the brain, discussing the nature of addiction, and exploring the damage they do to users. The book moves on to policy, answering questions about legalization, the role of criminal prohibitions, and the relative legal tolerance for alcohol and tobacco. The authors then dissect the illicit trade, from street dealers to the flow of money to the effect of catching kingpins, and show the precise nature of the relationship between drugs and crime. They examine treatment, both its effectiveness and the role of public policy, and discuss the beneficial effects of some abusable substances. Finally they move outward to look at the role of drugs in our foreign policy, their relationship to terrorism, and the ugly politics that surround the issue. Crisp, clear, and comprehensive, this is a handy and up-to-date overview of one of the most pressing topics in today's world. What Everyone Needs to Know® is a registered trademark of Oxford University Press.
Download or read book Consumer Credit Debt and Bankruptcy written by Johanna Niemi and published by Bloomsbury Publishing. This book was released on 2009-07-15 with total page 462 pages. Available in PDF, EPUB and Kindle. Book excerpt: After a long period of prosperity and steady economic growth, the world's leading economies are now in crisis, and although there will be debate about its origins, the scale and seriousness of the crisis is in no doubt. There is also no doubt that excessive amounts of consumer credit, allied to a weak understanding of how globalised credit markets might react to a crisis, have played a significant part. This book, which is primarily about credit, debt and the trouble they have led to, is written by authors who have specialised in researching into over-indebtedness, that is, situations in which an individual's debt burden has become overwhelming. For these authors the plight of individuals is a primary concern, but the wider issue is how credit is used and how it changes societies. The essays in this volume, addressing topics which are fundamental to our understanding of the current crisis, range widely across the whole sector of consumer finance, including mortgages, 'credit-binges', the regulation of consumer lending, insolvency, repayment plans, debt counselling and much more besides. The conclusions drawn from the book are equally wide-ranging, but above all the lesson learned from these essays is that the financialisation of contemporary life ensures that issues of the appropriate role of credit remain of critical importance in society.
Download or read book Blood and Oil written by Michael T. Klare and published by Metropolitan Books. This book was released on 2007-04-01 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the author of Resource Wars, a landmark assessment of the critical role of petroleum in America's actions abroad In his pathbreaking Resource Wars, world security expert Michael T. Klare alerted us to the role of resources in conflicts in the post-Cold War world. Now, in Blood and Oil, he concentrates on a single precious commodity, petroleum, while issuing a warning to the United States-its most powerful, and most dependent, global consumer. Since September 11th and the commencement of the "war on terror," the world's attention has been focused on the relationship between U.S. foreign policy in the Middle East and the oceans of crude oil that lie beneath the region's soil. Klare traces oil's impact on international affairs since World War II, revealing its influence on the Truman, Eisenhower, Nixon, and Carter doctrines. He shows how America's own wells are drying up as our demand increases; by 2010, the United States will need to import 60 percent of its oil. And since most of this supply will have to come from chronically unstable, often violently anti-American zones-the Persian Gulf, the Caspian Sea, Latin America, and Africa-our dependency is bound to lead to recurrent military involvement. With clarity and urgency, Blood and Oil delineates the United States' predicament and cautions that it is time to change our energy policies, before we spend the next decades paying for oil with blood.
Download or read book The Regulation of Consumer Credit written by Sarah Brown and published by Edward Elgar Publishing. This book was released on 2019 with total page 247 pages. Available in PDF, EPUB and Kindle. Book excerpt: This incisive book gives a comprehensive overview of the regulation of consumer credit in both the US and the UK. It covers policy, procedure and the dynamics of the consumer credit relationship to advocate for a balanced approach in achieving more effective consumer protection.
Download or read book Between Debt and the Devil written by Adair Turner and published by Princeton University Press. This book was released on 2017-08-02 with total page 330 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why our addiction to debt caused the global financial crisis and is the root of our financial woes Adair Turner became chairman of Britain's Financial Services Authority just as the global financial crisis struck in 2008, and he played a leading role in redesigning global financial regulation. In this eye-opening book, he sets the record straight about what really caused the crisis. It didn’t happen because banks are too big to fail—our addiction to private debt is to blame. Between Debt and the Devil challenges the belief that we need credit growth to fuel economic growth, and that rising debt is okay as long as inflation remains low. In fact, most credit is not needed for economic growth—but it drives real estate booms and busts and leads to financial crisis and depression. Turner explains why public policy needs to manage the growth and allocation of credit creation, and why debt needs to be taxed as a form of economic pollution. Banks need far more capital, real estate lending must be restricted, and we need to tackle inequality and mitigate the relentless rise of real estate prices. Turner also debunks the big myth about fiat money—the erroneous notion that printing money will lead to harmful inflation. To escape the mess created by past policy errors, we sometimes need to monetize government debt and finance fiscal deficits with central-bank money. Between Debt and the Devil shows why we need to reject the assumptions that private credit is essential to growth and fiat money is inevitably dangerous. Each has its advantages, and each creates risks that public policy must consciously balance.
Download or read book Examining the Billing Marketing and Disclosure Practices of the Credit Card Industry and Their Impact on Consumers written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2009 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Love Your Enemies written by Arthur C. Brooks and published by HarperCollins. This book was released on 2019-03-12 with total page 218 pages. Available in PDF, EPUB and Kindle. Book excerpt: NATIONAL BESTSELLER To get ahead today, you have to be a jerk, right? Divisive politicians. Screaming heads on television. Angry campus activists. Twitter trolls. Today in America, there is an “outrage industrial complex” that prospers by setting American against American, creating a “culture of contempt”—the habit of seeing people who disagree with us not as merely incorrect, but as worthless and defective. Maybe, like more than nine out of ten Americans, you dislike it. But hey, either you play along, or you’ll be left behind, right? Wrong. In Love Your Enemies, social scientist and author of the #1 New York Times bestseller From Strength to Strength Arthur C. Brooks shows that abuse and outrage are not the right formula for lasting success. Brooks blends cutting-edge behavioral research, ancient wisdom, and a decade of experience leading one of America’s top policy think tanks in a work that offers a better way to lead based on bridging divides and mending relationships. Brooks’ prescriptions are unconventional. To bring America together, we shouldn’t try to agree more. There is no need for mushy moderation, because disagreement is the secret to excellence. Civility and tolerance shouldn’t be our goals, because they are hopelessly low standards. And our feelings toward our foes are irrelevant; what matters is how we choose to act. Love Your Enemies offers a clear strategy for victory for a new generation of leaders. It is a rallying cry for people hoping for a new era of American progress. Most of all, it is a roadmap to arrive at the happiness that comes when we choose to love one another, despite our differences.
Download or read book Compulsive Buying written by Trevor A. Smith and published by Rowman & Littlefield. This book was released on 2021-11-03 with total page 167 pages. Available in PDF, EPUB and Kindle. Book excerpt: Compulsive buying is a shopping addiction with worldwide prevalence that causes significant emotional, financial, and social problems for those afflicted by it. While most research has focused on the problem and its consequences, this book examines the intersections between consumer traits, self-regulation, ethical considerations, and compulsive buying. Compulsive Buying: Consumer Traits, Self-Regulation and Marketing Ethics presents a model on consumer trait predictors of compulsive buying as well as guidelines for consumers, government policymakers, and companies.
Download or read book Evicted written by Matthew Desmond and published by Crown. This book was released on 2017-02-28 with total page 450 pages. Available in PDF, EPUB and Kindle. Book excerpt: NEW YORK TIMES BESTSELLER • WINNER OF THE PULITZER PRIZE • NAMED ONE OF TIME’S TEN BEST NONFICTION BOOKS OF THE DECADE • One of the most acclaimed books of our time, this modern classic “has set a new standard for reporting on poverty” (Barbara Ehrenreich, The New York Times Book Review). In Evicted, Princeton sociologist and MacArthur “Genius” Matthew Desmond follows eight families in Milwaukee as they each struggle to keep a roof over their heads. Hailed as “wrenching and revelatory” (The Nation), “vivid and unsettling” (New York Review of Books), Evicted transforms our understanding of poverty and economic exploitation while providing fresh ideas for solving one of twenty-first-century America’s most devastating problems. Its unforgettable scenes of hope and loss remind us of the centrality of home, without which nothing else is possible. NAMED ONE OF THE BEST BOOKS OF THE YEAR BY President Barack Obama • The New York Times Book Review • The Boston Globe • The Washington Post • NPR • Entertainment Weekly • The New Yorker • Bloomberg • Esquire • BuzzFeed • Fortune • San Francisco Chronicle • Milwaukee Journal Sentinel • St. Louis Post-Dispatch • Politico • The Week • Chicago Public Library • BookPage • Kirkus Reviews • Library Journal • Publishers Weekly • Booklist • Shelf Awareness WINNER OF: The National Book Critics Circle Award for Nonfiction • The PEN/John Kenneth Galbraith Award for Nonfiction • The Andrew Carnegie Medal for Excellence in Nonfiction • The Hillman Prize for Book Journalism • The PEN/New England Award • The Chicago Tribune Heartland Prize FINALIST FOR THE LOS ANGELES TIMES BOOK PRIZE AND THE KIRKUS PRIZE “Evicted stands among the very best of the social justice books.”—Ann Patchett, author of Bel Canto and Commonwealth “Gripping and moving—tragic, too.”—Jesmyn Ward, author of Salvage the Bones “Evicted is that rare work that has something genuinely new to say about poverty.”—San Francisco Chronicle
Download or read book Handbook of Self Regulation Third Edition written by Kathleen D. Vohs and published by Guilford Publications. This book was released on 2017-10-13 with total page 659 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This authoritative handbook reviews the breadth of current knowledge on the conscious and nonconscious processes by which people regulate their thoughts, emotions, attention, behavior, and impulses. Individual differences in self-regulatory capacities are explored, as are developmental pathways. The volume examines how self-regulation shapes, and is shaped by, social relationships. Failures of self-regulation are also addressed, in chapters on addictions, overeating, compulsive spending, and attention-deficit/hyperactivity disorder. Wherever possible, contributors identify implications of the research for helping people enhance their self-regulatory capacities and pursue desired goals"...
Download or read book Immigration and the American Dream written by Margaret Sands Orchowski and published by Rowman & Littlefield. This book was released on 2008 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Immigration and the American Dream, Margaret Sands Orchowski cuts through the rhetoric, labels, political spin, myths, mantras, and misinformation and discusses the facts about immigration-past, present and future. Filled with accessible anecdotes and quotes from prominent individuals and newspapers, the book frames and defines the relevant issues, and looks at the politics behind Congressional immigration reform initiatives.
Download or read book Celebrity Culture and the American Dream written by Karen Sternheimer and published by Routledge. This book was released on 2014-12-12 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: Celebrity Culture and the American Dream, Second Edition considers how major economic and historical factors shaped the nature of celebrity culture as we know it today, retaining the first edition’s examples from the first celebrity fan magazines of 1911 to the present and expanding to include updated examples and additional discussion on the role of the internet and social media in today’s celebrity culture. Equally important, the book explains how and why the story of Hollywood celebrities matters, sociologically speaking, to an understanding of American society, to the changing nature of the American Dream, and to the relation between class and culture. This book is an ideal addition to courses on inequalities, celebrity culture, media, and cultural studies.
