Download or read book Essays on Consumer Credit Markets written by Mark William Jenkins and published by Stanford University. This book was released on 2009 with total page 135 pages. Available in PDF, EPUB and Kindle. Book excerpt: This dissertation studies the organization of consumer credit markets using a rich and novel dataset from a large subprime auto lender. Its primary goal is to develop empirical methods for analyzing markets with asymmetric information and to use these methods to better understand the behavior of subprime borrowers and lenders. The first chapter quantifies the importance of adverse selection and moral hazard in the subprime auto loan market and shows how different loan contract terms serve to mitigate these distinct information problems. The second chapter examines the impact of centralized credit scoring on lending outcomes, including the distribution of performance across dealerships within the firm. The third chapter studies borrower repayment behavior and quantifies the impact of ex post moral hazard on interest rates and the costs of default. Collectively, the three chapters provide a better understanding of the functioning of markets for subprime credit in the U.S. They also provide unique empirical evidence on the importance of asymmetric information and the value of screening, monitoring, and contract design in consumer credit markets in general.
Download or read book A Collection of Poems and Essays of Past Decades Involving Discussions of Important Matters and Topics written by Felipe B. Nery and published by AuthorHouse. This book was released on 2008-07 with total page 382 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the last episode and effort by Felipe B. Nery to publish the remainder of his poems and essays spanning a period of several decades involving various topics. It covers, to a large extent, the Macanese Diaspora. The Macanese people, through no fault of theirs, are subsequently scattered the world over. They hope, now, wherever they may have settled to be the final home for them and for their children. This is the second book consisting of poems and essays written by Felipe B. Nery for the past decades, which he believes would interest his readers. It covers a variety of topics ranging from health, politics, religion, sports, economics, diseases, foods and so on. These topics are too interesting to be set aside or discard as they somehow touch each and everyone's life, in the process. During the period covered, many things have happened to change the political scenes, scientific knowledge, birth and destruction of nations, such as: The end of Facism, Nazism, partial demise of Communism (in Soviet Russia), takeover of China by the Reds, the end of colonialism, changes occurring in Eastern Europe, birth of a new nation- Israel, wars on Afghanistan and Iraq, the invention of cell phones, advances made in medicines, invention of computers, invention of television, improving the automobiles (also making them available to the average people), improving the airplanes which are now the preferred made of travel. During this period, the Macanese people had to leave Shanghai, Hong Kong and Macau, not unlike the exodus of the Jewish people from Egypt dubbed Diaspora. The Macanese people are now dispersed throughout the world. We refer this episode to be "The Macanese Diaspora."
Download or read book International Encyclopedia of Housing and Home written by and published by Elsevier. This book was released on 2012-10-09 with total page 3870 pages. Available in PDF, EPUB and Kindle. Book excerpt: Available online via SciVerse ScienceDirect, or in print for a limited time only, The International Encyclopedia of Housing and Home, Seven Volume Set is the first international reference work for housing scholars and professionals, that uses studies in economics and finance, psychology, social policy, sociology, anthropology, geography, architecture, law, and other disciplines to create an international portrait of housing in all its facets: from meanings of home at the microscale, to impacts on macro-economy. This comprehensive work is edited by distinguished housing expert Susan J. Smith, together with Marja Elsinga, Ong Seow Eng, Lorna Fox O'Mahony and Susan Wachter, and a multi-disciplinary editorial team of 20 world-class scholars in all. Working at the cutting edge of their subject, liaising with an expert editorial advisory board, and engaging with policy-makers and professionals, the editors have worked for almost five years to secure the quality, reach, relevance and coherence of this work. A broad and inclusive table of contents signals (or tesitifes to) detailed investigation of historical and theoretical material as well as in-depth analysis of current issues. This seven-volume set contains over 500 entries, listed alphabetically, but grouped into seven thematic sections including methods and approaches; economics and finance; environments; home and homelessness; institutions; policy; and welfare and well-being. Housing professionals, both academics and practitioners, will find The International Encyclopedia of Housing and Home useful for teaching, discovery, and research needs. International in scope, engaging with trends in every world region The editorial board and contributors are drawn from a wide constituency, collating expertise from academics, policy makers, professionals and practitioners, and from every key center for housing research Every entry stands alone on its merits and is accessed alphabetically, yet each is fully cross-referenced, and attached to one of seven thematic categories whose ‘wholes' far exceed the sum of their parts
Download or read book Short Sales An Ethical Approach written by David Petrovich and published by Lulu.com. This book was released on 2006-06-01 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt: An insider's view into ethical and successful preforeclosure sales, and preforeclosure short sales. A must read for buyers, sellers, or anyone whose home is in foreclosure!
Download or read book Essays on Home Ownership Subsidy Policies written by Danny Wayne Durning and published by . This book was released on 1986 with total page 756 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book How Law Works Collected Articles and New Essays written by Thomas Hemnes and published by Vernon Press. This book was released on 2021-03-02 with total page 556 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book chronicles developments in legal practice, intellectual property, and privacy law from the dawn of the digital age to today’s world of social media and cloud technologies. Part autobiography, part legal history, and part philosophy of law, this volume explores a variety of subjects including the nature of legal reasoning, property, privacy, and personal identity. In addition, it tackles larger issues grounded on meticulous research into the legal protection for computer software, the mechanics of software licensing, the use of intellectual property rights in secured lending and trademark selection, registration and maintenance. Hemnes weaves through the complexity of these issues and examines how the promises of the early digital age in the 20th century declined into the rampant factionalism, nationalism, and terrorism of the early 21st century. An indispensable resource for anyone studying the emergence of intellectual property rights as a cornerstone of the modern economy, this book also serves as a foundational reference tool for professors, students, and practitioners of intellectual property. Furthermore, the valuable information contained within its pages; from the very basics of computer software protection to the intricacies of negotiation strategy for indemnification clauses in intellectual property licenses, warrants its place on the library shelves of every practitioner of intellectual property and privacy law and on the reading list of every intellectual property, privacy and jurisprudence course.
Download or read book Essays on Government Policy and Household Financial Decisions written by Karen M. Pence and published by . This book was released on 2001 with total page 172 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Understanding Neighbourhood Dynamics written by Maarten van Ham and published by Springer Science & Business Media. This book was released on 2012-09-26 with total page 291 pages. Available in PDF, EPUB and Kindle. Book excerpt: This rare interdisciplinary combination of research into neighbourhood dynamics and effects attempts to unravel the complex relationship between disadvantaged neighbourhoods and the life outcomes of the residents who live therein. It seeks to overcome the notorious difficulties of establishing an empirical causal relationship between living in a disadvantaged area and the poorer health and well-being often found in such places. There remains a widespread belief in neighbourhood effects: that living in a poorer area can adversely affect residents’ life chances. These chapters caution that neighbourhood effects cannot be fully understood without a profound understanding of the changes to, and selective mobility into and out of, these areas. Featuring fresh research findings from a number of countries and data sources, including from the UK, Australia, Sweden and the USA, this book offers fresh perspectives on neighbourhood choice and dynamics, as well as new material for social scientists, geographers and policy makers alike. It enriches neighbourhood effects research with insights from the closely related, but currently largely separate, literature on neighbourhood dynamics.
Download or read book Foreclosure Problems and Solutions written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2008 with total page 544 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Sum of Us written by Heather McGhee and published by One World. This book was released on 2021-02-16 with total page 450 pages. Available in PDF, EPUB and Kindle. Book excerpt: NEW YORK TIMES BESTSELLER • LONGLISTED FOR THE NATIONAL BOOK AWARD • One of today’s most insightful and influential thinkers offers a powerful exploration of inequality and the lesson that generations of Americans have failed to learn: Racism has a cost for everyone—not just for people of color. WINNER OF THE PORCHLIGHT BUSINESS BOOK AWARD • ONE OF THE BEST BOOKS OF THE YEAR: Time, The Washington Post, St. Louis Post-Dispatch, Ms. magazine, BookRiot, Library Journal “This is the book I’ve been waiting for.”—Ibram X. Kendi, #1 New York Times bestselling author of How to Be an Antiracist Look for the author’s new podcast, The Sum of Us, based on this book! Heather McGhee’s specialty is the American economy—and the mystery of why it so often fails the American public. From the financial crisis of 2008 to rising student debt to collapsing public infrastructure, she found a root problem: racism in our politics and policymaking. But not just in the most obvious indignities for people of color. Racism has costs for white people, too. It is the common denominator of our most vexing public problems, the core dysfunction of our democracy and constitutive of the spiritual and moral crises that grip us all. But how did this happen? And is there a way out? McGhee embarks on a deeply personal journey across the country from Maine to Mississippi to California, tallying what we lose when we buy into the zero-sum paradigm—the idea that progress for some of us must come at the expense of others. Along the way, she meets white people who confide in her about losing their homes, their dreams, and their shot at better jobs to the toxic mix of American racism and greed. This is the story of how public goods in this country—from parks and pools to functioning schools—have become private luxuries; of how unions collapsed, wages stagnated, and inequality increased; and of how this country, unique among the world’s advanced economies, has thwarted universal healthcare. But in unlikely places of worship and work, McGhee finds proof of what she calls the Solidarity Dividend: the benefits we gain when people come together across race to accomplish what we simply can’t do on our own. The Sum of Us is not only a brilliant analysis of how we arrived here but also a heartfelt message, delivered with startling empathy, from a black woman to a multiracial America. It leaves us with a new vision for a future in which we finally realize that life can be more than a zero-sum game. LONGLISTED FOR THE ANDREW CARNEGIE MEDAL
Download or read book Risk and Uncertainty written by K. Borch and published by Springer. This book was released on 1968-01-15 with total page 461 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Capitalism s Crisis Deepens written by Richard D. Wolff and published by Haymarket Books. This book was released on 2016-05-30 with total page 346 pages. Available in PDF, EPUB and Kindle. Book excerpt: “The leading socialist economist in the country” explores the roots of the Great Recession and its immense impact on working people (Cornel West). While most mainstream commentators view the crisis that provoked the Great Recession as having passed, these essays from Richard Wolff paint a far less rosy picture. Drawing attention to the extreme downturn in most of capitalism’s old centers, the unequal growth in its new centers, and the resurgence of a global speculative bubble, Wolff—in his uniquely accessible style—makes the case that the crisis should be grasped not as a passing moment, but as an evolving stage in capitalism’s history. Praise for Richard Wolff and Democracy at Work “Probably America’s most prominent Marxist economist.” —The New York Times Magazine “Richard Wolff’s constructive and innovative ideas suggest new and promising foundations for much more authentic democracy and sustainable and equitable development, ideas that can be implemented directly and carried forward. A very valuable contribution in troubled times.” —Noam Chomsky “Wolff offers a rich and much-needed corrective to the views of mainstream economists and pundits. It would be difficult to come away from this with anything but an acute appreciation of what is needed to get us out of this mess.” —Stanley Aronowitz “Bold, thoughtful, transformative—a powerful and challenging vision that takes us beyond both corporate capitalism and state socialism. Richard Wolff at his best!” —Gar Alperovitz
Download or read book Monetary and Banking History written by Geoffrey Wood and published by Routledge. This book was released on 2011-05-11 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt: Forrest Capie is an eminent economic historian who has published extensively on a wide range of topics, with an emphasis on banking and monetary history, particularly in the nineteenth and twentieth centuries, but also in other areas such as tariffs and the interwar economy. He is a former editor of the Economic History Review, one of the leading academic journals in this discipline. Under the steely editorship of Geoffrey Wood, this book brings together a stellar line of of contributors - including Charles Goodhart, Harold James, Michael Bordo, Barry Eichengreen, Charles Calomiris, and Anna Schwartz. The book analyzes many of the mainstream themes in economic and financial history - monetary policy, international financial regulation, economic performance, exchange rate systems, international trade, banking and financial markets - where historical perspectives are considered important. The current wave of globalisation has stimulated interest in many of these areas as ‘lessons of history’ are sought. These themes also reflect the breadth of Capie’s work in terms of time periods and topics.
Download or read book Handbook of Financial Data and Risk Information II written by Margarita S. Brose and published by Cambridge University Press. This book was released on 2014-01-09 with total page 575 pages. Available in PDF, EPUB and Kindle. Book excerpt: A comprehensive resource for understanding the issues involved in collecting, measuring and managing data in the financial services industry.
Download or read book Foreclosure mitigation written by United States. Government Accountability Office and published by . This book was released on 2012 with total page 175 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Politics and Government written by Neil L. Shumsky and published by Routledge. This book was released on 2020-11-25 with total page 410 pages. Available in PDF, EPUB and Kindle. Book excerpt: Volume 3 "POLITICS and GOVERNMENT’ of the American Cities; series. This collection brings together more than 200 scholarly articles pertaining to the history and development of urban life in the United States during the past two centuries. The articles about municipal government contained in the third volume include discussions of how rapid urbanization in the early nineteenth century produced a chain reaction, creating first the need for new political institutions, then the rise of machine politics, and, finally, reform movements that designed, advocated, and implemented new institutional structures such as the commission and city manager forms of government. Volume 3 also includes articles that consider the nature of intergovernmental relations at the end of the twentieth century and the connections between the governments of cities and the governments of the regions surrounding them—localities, states, and the nation.
Download or read book Essays in Economic and Business History written by and published by . This book was released on 1989 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt:
