Download or read book Credit Where It s Due written by Frederick F. Wherry and published by Russell Sage Foundation. This book was released on 2019-04-26 with total page 175 pages. Available in PDF, EPUB and Kindle. Book excerpt: An estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one’s ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit—who are disproportionately African American and Latino—often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people who are not recognized within the financial system engage in behaviors that indicate their credit worthiness. How might institutions acknowledge these practices and help these people emerge from the financial shadows? In Credit Where It’s Due, the authors evaluate an innovative model of credit-building and advocate for a new understanding of financial citizenship, or participation in a financial system that fosters social belonging, dignity, and respect. Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners. To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.
Download or read book Where Credit is Due written by Gregory Smith and published by Oxford University Press. This book was released on 2021-12-01 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: Borrowing is a crucial source of financing for governments all over the world. If they get it wrong, then debt crises can bring progress to a halt. But if it's done right, investment happens and conditions improve. African countries are seeking calmer capital, to raise living standards and give their economies a competitive edge. The African debt landscape has changed radically in the first two decades of the twenty-first century. Since the clean slate of extensive debt relief, states have sought new borrowing opportunities from international capital markets and emerging global powers like China. The new debt composition has increased risk, exacerbated by the 2020 coronavirus pandemic: richer countries borrowed at rock-bottom interest rates, while Africa faced an expensive jump in indebtedness. The escalating debt burden has provoked calls by the G20 for suspension of debt payments. But Africa's debt today is highly complex, and owed to a wider range of lenders. A new approach is needed, and could turn crisis into opportunity. Urgent action by both lenders and borrowers can reduce risk, while carefully preserving market access; and smart deployment of private finance can provide the scale of investment needed to achieve development goals and tackle the climate emergency.
Download or read book Giving Credit where Credit is Due written by Daniel Joseph Gagnier and published by . This book was released on 2002 with total page 4 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Word on College Reading and Writing written by Carol Burnell and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: An interactive, multimedia text that introduces students to reading and writing at the college level.
Download or read book Giving Credit where Credit is Due written by Dafna N. Izraeli and published by . This book was released on 1984 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Mike Mulligan and His Steam Shovel written by Virginia Lee Burton and published by Houghton Mifflin Harcourt. This book was released on 2010-06-28 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: A modern classic that no child should miss. Since it was first published in 1939, Mike Mulligan and His Steam Shovel has delighted generations of children. Mike and his trusty steam shovel, Mary Anne, dig deep canals for boats to travel through, cut mountain passes for trains, and hollow out cellars for city skyscrapers -- the very symbol of industrial America. But with progress come new machines, and soon the inseparable duo are out of work. Mike believes that Mary Anne can dig as much in a day as one hundred men can dig in a week, and the two have one last chance to prove it and save Mary Anne from the scrap heap. What happens next in the small town of Popperville is a testament to their friendship, and to old-fashioned hard work and ingenuity.
Download or read book Giving Credit where Credit is Due microform Attributions by Actors and Observers in a Teaching Situation written by Allen Morley Greenberg and published by National Library of Canada = Bibliothèque nationale du Canada. This book was released on 1974 with total page 498 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Poised for Excellence written by Karima Mariama-Arthur and published by Springer. This book was released on 2018-01-04 with total page 282 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is an exceptional resource for leaders at every level across industries. An insightful guidebook comprised of 40 illuminating principles showcasing the fundamental competencies that impact performance in the boardroom and beyond, each chapter includes the following core components: 1) a robust, but succinct discussion introducing each principle; 2) key strategies providing straightforward guidance on how to master each principle; 3) a selection of thoughtful journal questions that allow for meaningful introspection, and finally, 4) a leadership challenge—a stretch goal—that brings each principle into immediate, scalable focus. Whether a seasoned or emerging leader, each reader will discover useful perspectives contained within each chapter designed to firmly orient their thinking and behavior towards leadership excellence. An enduring resource for circumstances in which every leader will inevitably find him or herself confronting, it will also serve as the “go to” professional development resource for elevating leadership brands and facilitating the necessary trench work required to develop competent and confident leaders regardless of industry or expertise. Different from traditional books that provide a one-dimensional view of what leadership is and do little more than categorize existing traits, Poised for Excellence breaks the mold. It creates the context for understanding leadership development as a holistic process: By focusing on the mastery of fundamental principles structured to develop the whole person through service to self and others, it ignites an evolutionary process that cultivates 360 degrees of effective leadership. It directs readers to stake a bold claim to their success and transform the way they show up in the boardroom and beyond. Poised for Excellence was written to nurture the leadership potential in business leaders who desire to operate in excellence and believe that learning and practice are non-negotiable aspects of leadership success.
Download or read book The Steal Like an Artist Journal written by Austin Kleon and published by Workman Publishing. This book was released on 2015-10-06 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the New York Times bestselling author of Steal Like an Artist and Show Your Work! comes an interactive journal and all-in-one logbook to get your creative juices flowing, and keep a record of your ideas and discoveries. The Steal Like an Artist Journal is the next step in your artistic journey. It combines Austin Kleon’s unique and compelling ideas with the physical quality that makes journals like Moleskines so enormously popular. Page after page of ideas, prompts, quotes, and exercises are like a daily course in creativity. There are lists to fill in—Ten Things I Want to Learn, Ten Things I Probably Think About More Than the Average Person. Challenges to take. Illustrated creative exercises—Make a Mixtape (for someone who doesn’t know you) and Fill in the Speech Balloons. Pro and con charts—What Excites You?/What Drains You? The journal has an elastic band for place-marking and a special pocket in the back—a “swipe file” to store bits and pieces of inspiration. Because if you want to steal like an artist, you need a place to keep your loot.
Download or read book Giving Credit where Credit is Due written by Sara Gesuato and published by . This book was released on 2004 with total page 1462 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Giving Credit where Credit is Due written by Gina L. LaRocco and published by . This book was released on 2011 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Engineering Research Methodology written by Dipankar Deb and published by Springer. This book was released on 2018-12-14 with total page 105 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book covers all the important aspects of research methodology, and addresses the specific requirements of engineering students, such as methods and tools, in detail. It also discusses effective research in engineering today, which requires the ability to undertake literature reviews utilizing different online databases, to attribute credit for any prior work mentioned, to respect intellectual property rights while simultaneously maintaining ethics in research, and much more. Further, the book also considers soft skills like research management and planning, dealing with criticism in research and presentation skills, which are all equally important and need to include in research methodology education. Lastly, it provides the technical knowhow needed to file patents in academia, an important area that is often ignored in research methodology books. The book is a particularly valuable resource for PhD students in India and South East Asia, as research methodology is a part of their coursework.
Download or read book Giving Credit Only where Credit is Due written by Wai-Jin Wong and published by . This book was released on 2013 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Giving Credit where It s Due written by J. E. McNeil and published by . This book was released on 1977 with total page 2 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Giving credit where it is due written by Abhijit V. Banerjee and published by . This book was released on 2010 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper shows how the productive interplay of theory and experimental work has furthered our understanding of credit markets in developing countries. Descriptive facts motivated a body of theory, which in turned motivated experiments designed to test it. Results from these experiments reveal both the success and the limits of the theory, prompting new work to refine it. We argue that the literature on credit can be a template research in other domains. Keywords: Credit Markets, Field Experiments. JEL Classifications: O16, C93.
Download or read book The Shadow of Vesuvius A Life of Pliny written by Daisy Dunn and published by Liveright Publishing. This book was released on 2019-12-10 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A wonderfully rich, witty, insightful, and wide-ranging portrait of the two Plinys and their world.”—Sarah Bakewell, author of How to Live When Pliny the Elder perished at Stabiae during the eruption of Vesuvius in 79 AD, he left behind an enormous compendium of knowledge, his thirty-seven-volume Natural History, and a teenaged nephew who revered him as a father. Grieving his loss, Pliny the Younger inherited the Elder’s notebooks—filled with pearls of wisdom—and his legacy. At its heart, The Shadow of Vesuvius is a literary biography of the younger man, who would grow up to become a lawyer, senator, poet, collector of villas, and chronicler of the Roman Empire from the dire days of terror under Emperor Domitian to the gentler times of Emperor Trajan. A biography that will appeal to lovers of Mary Beard books, it is also a moving narrative about the profound influence of a father figure on his adopted son. Interweaving the younger Pliny’s Letters with extracts from the Elder’s Natural History, Daisy Dunn paints a vivid, compellingly readable portrait of two of antiquity’s greatest minds.
Download or read book Newspaper Blackout written by Austin Kleon and published by Harper Collins. This book was released on 2014-03-18 with total page 263 pages. Available in PDF, EPUB and Kindle. Book excerpt: Poet and cartoonist Austin Kleon has discovered a new way to read between the lines. Armed with a daily newspaper and a permanent marker, he constructs through deconstruction—eliminating the words he doesn't need to create a new art form: Newspaper Blackout poetry. Highly original, Kleon's verse ranges from provocative to lighthearted, and from moving to hysterically funny, and undoubtedly entertaining. The latest creations in a long history of "found art," Newspaper Blackout will challenge you to find new meaning in the familiar and inspiration from the mundane. Newspaper Blackout contains original poems by Austin Kleon, as well as submissions from readers of Kleon's popular online blog and a handy appendix on how to create your own blackout poetry.
