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 176 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 Creditworthy written by Josh Lauer and published by Columbia University Press. This book was released on 2017-07-25 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports—and, later, credit ratings and credit scores—credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with—and determines—our social standing as an honest, reliable, profit-generating person.

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 Exploring the Intersection of Artificial Intelligence and Journalism written by Santosh Kumar Biswal and published by Taylor & Francis. This book was released on 2024-02-02 with total page 311 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book studies the role of Artificial Intelligence (AI) in journalism. It traces the origin, growth and development of the media and communication industry in the globalized world and discusses the implications of technologies such as Augmented Reality, Virtual Reality and Extended Reality which have helped foster a communication revolution across the globe. The volume discusses technology-centric media theories in the context of AI and examines if AI has been a boon or bane for data journalism. It also looks at artificial intelligence in beat reporting, and citizen journalism, and analyses the social-cultural implications of artificial intelligence driven journalism and the ethical concerns arising from it. An important contribution, this book will be indispensable for students and researchers of media studies, communication studies, journalism, social media, technology studies, and digital humanities. It will also be useful for media professionals.

Download or read book Ultimate Guide to Link Building written by Garrett French and published by Entrepreneur Press. This book was released on 2020-01-14 with total page 441 pages. Available in PDF, EPUB and Kindle. Book excerpt: Link. Rank. Profit. This book packs a 40+year-link-building-experience punch! Strokes of genius emanate from deceivingly simple explanations and effortless workflows. Only Eric Ward and Garrett French could make the complicated world of link building look so crystal clear and manageable. This powerful edition delivers everything you need to be a successful link builder and leaves you wondering, "Wow! Why haven't I thought of that?!" over and over again. —Britney Muller, senior SEO scientist, Moz The web has changed from a web of things to a web of people. And it's all about connections, about the way we're all linked together by one thing or another. From content development and integrated marketing techniques to purely tactical link bait, you're about to learn directly from the masters of marketing. Link building expert Eric Ward and online marketer Garrett French teach you how to wisely: Execute a link audit and competitor analysis Develop a structured, long-term link-building strategy Identify and approach quality, top-ranking websites with a value proposition Differentiate links for traffic from links for ranking Keep on the right side of search engine guidelines

Download or read book Be a Startup Superstar written by Steven Kahan and published by John Wiley & Sons. This book was released on 2019-12-05 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt: Find a job and quickly climb the ranks at a tech startup, even if you’re not a techie. Are you underemployed or struggling to find a fulfilling career? Stuck on a low rung of the corporate ladder and don’t see a way up anytime soon? You’re not alone. Like many recent college grads and people who feel stuck in their corporate jobs, you’ve probably never considered working for a technology company that’s just starting out, especially if you’re not a tech whiz. That doesn’t matter. Tech startups are desperate for talent and creativity in all kinds of fields from people with leadership skills and new ideas—people like you! If you’re looking to turn your general business know-how into a wildly successful career, Be a Startup Superstar is your guide. Yes, you can love your work, feel energized by your role, and earn the income of your dreams. Author Steven Mark Kahan left his safe corporate job to join his first tech startup, and since then he has helped seven startup companies sell or go public (meaning early employees usually score big). In this breakthrough book, Steve shows you how to: Look for five key traits when choosing a tech startup Get hired at a tech startup with your existing degree, skills, and experience Develop the leadership attributes and entrepreneurial mindset that can launch you to the top Make better decisions and get better outcomes in the tech startup world and beyond Be a Startup Superstar provides the expert insider guidance you need to ignite your career by joining the tech startup revolution.

Download or read book Higher Ambition written by Michael Beer and published by Harvard Business Press. This book was released on 2011-08-23 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: Meeting the new standard for leadership. Higher Ambition is required reading for every leader who refuses to compromise between people and performance. Choosing one or the other may have worked in the past, but it won’t work now. As global competition stiffens and businesses face increased public scrutiny and renewed government regulation, leaders must win on all fronts—with their people, their customers, their communities, and their shareholders. In short, they must deliver superior economic and social value. Brimming with powerful stories and thoughtful advice from CEOs themselves, Higher Ambition equips leaders with the practical insights they need to meet this new and higher standard. The authors, an international team of experts from leading business schools and consultancies, offer a unique view into the minds of some of the most successful and insightful leaders of our time: CEOs from vanguard companies around the world that have demonstrated the distinctive ability to do good while also doing well. These organizations are as diverse as Standard Chartered Bank, Infosys, Volvo, Cummins, IKEA, the Tata Group, and Campbell’s Soup. Readers will learn the principles and practices these pioneering leaders are using to: • Build enduring enterprises that simultaneously solve for people and profits • Forge winning strategies that leverage their companies’ unique cultural and human capabilities • Dramatically raise the aspirations and ambitions of their people • Energize and align their diverse global firms • Relentlessly upgrade leadership capabilities throughout their organizations Drawing on the author team’s extensive research and in-depth interviews with successful leaders from around the globe, this provocative new book is poised to become a management classic in the tradition of In Search of Excellence and Built to Last.

Download or read book Inventors of Civilization written by Conrad Riker and published by Conrad Riker. This book was released on 101-01-01 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you tired of being told that everything great was created by anyone other than white men? Sick of political correctness and distorted history? Frustrated with the constant attacks on our heritage? This book is your antidote. "Inventors of Civilization" brings forth the truth that has been systematically buried: the immense contributions of white men in creating the modern world. From the wheel to the internet, white men have been the driving force behind the advancements that have shaped human civilization. - Discover the forgotten truth behind who really invented the wheel. - Learn about the white origins of capitalism and its role in global progress. - Unearth the evolution of the scientific method and its roots in the minds of white men. - Explore the industrial revolution – a testament to white innovation and resilience. - Understand the real origins of democracy and how it has been manipulated by modern ideologies. - Uncover the dominance of white men in the evolution of technology. - Delve into the history of warfare and learn about strategic development and military innovation. - Explore the birth of economics, shaped by white men. - Understand the Enlightenment period as a result of white intellectual growth. - Discover the history of space exploration – a white man's frontier. - Explore the world of art, led by pioneers who were white men. - Learn about the invention of computers, from the first computers to the internet, by white men. If you want to rediscover the truth about history, civilization, and progress, then this book is for you. Buy "Inventors of Civilization" today and join the movement to reclaim our rightful heritage.

Download or read book From Trustworthiness to Secular Beliefs written by Christian Meyer and published by BRILL. This book was released on 2023-03-27 with total page 662 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume excavates the genealogy of xin 信--a term that has become the modern Chinese counterpart for the English word "faith." More than twenty experts trace its religious and non-religious roots in several traditions, including Confucian, Buddhist, Daoist, Muslim, Christian, Japanese, popular religious, and modern secular contexts.

Download or read book Love Inspired Suspense December 2021 Box Set 2 of 2 written by Maggie K. Black and published by Harlequin. This book was released on 2021-11-30 with total page 595 pages. Available in PDF, EPUB and Kindle. Book excerpt: Love Inspired Suspense brings you three new titles! Enjoy these suspenseful romances of danger and faith. This box set includes: CHRISTMAS K-9 PROTECTORS (An Alaska K-9 Unit novel) by New York Times Bestselling Author Lenora Worth and Maggie K. Black Members of the K-9 team face danger and find love in these holiday novellas, in which a rookie K-9 trooper and his furry partner must save a forensic scientist from a ruthless jewelry thief, and a tech whiz, a criminal psychologist and a K-9 go on the run to keep a teen out of the hands of a kidnapping gang. CHRISTMAS VENDETTA (An Emergency Responders novel) By USA TODAY Bestselling Author Valerie Hansen Teacher Sandy Lynn Forrester’s peaceful Christmas vacation is interrupted when somebody tries to kill her—but the cops don’t think the threat is real. The only person who believes her is a man she doesn’t trust, framed and discredited cop Clay Danforth. But with her life on the line, he’s her best chance at survival… WYOMING CHRISTMAS PERIL By Kathie Ridings Fleeing from a murderous bank robber at Christmastime, Bailey O’Keefe has only FBI agent Sean Hanson to protect her. But when their safehouse is breached, can Bailey and Sean outmaneuver their enemy while battling the elements and the hazards of the snow packed trails on Cougar Mountain? For more stories filled with danger and romance, look for Love Inspired Suspense December 2021 Box Set – 1 of 2

Download or read book HeadTrash written by Tish Squillaro and published by Greenleaf Book Group. This book was released on 2013-05-07 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why do executives get stuck? Why do leaders sometimes find themselves pushing hard but not gaining traction? Frequently it’s because they’re working against themselves, defeating their best efforts with their own problematical thoughts and emotions. In this book, we refer to thought patterns and emotional tendencies that hinder your ability to respond to business issues in a productive and professional way as HeadTrash. Put another way, HeadTrash is the negative voice of your subconscious, engaging you in a deadly inner dialogue that only you hear, consciously or subconsciously, but which affects everything you say and do and everyone around you. HeadTrash is any pattern of self-defeating feelings and thoughts that leads you into trouble and keeps you stuck there. Even worse, depending on your level of responsibility and authority, the rest of your team or company can get stuck too. Based on their work with thousands of leaders, authors Tish Squillaro and Timothy I. Thomas discovered that some forms of HeadTrash can even produce symptoms in organizations that mirror the symptoms experienced by company leaders. Learn to probe beyond symptoms to identify the forms of HeadTrash you need to address. This book will show you how to change your behavior and become a better leader?for yourself, your business, your employees, and your family.

Download or read book Soldier of Fortune written by Edward Marston and published by Allison & Busby. This book was released on 2011-05-23 with total page 247 pages. Available in PDF, EPUB and Kindle. Book excerpt: IT IS 1704 AND EUROPE IS AT WAR 'Take this sword as you own and wear it with more honour than the man from whom you took it' With Lord Churchill's words ringing in his ears, the courageous young Captain Daniel Rawson embarks on a dangerous mission to lead his men into battle against the French enemy. He must succeed at all costs- the future of England is at stake. But Rawson is the target of the murderous General Salignac who will stop at nothing to see his adversary dead. As Rawson and his men march across the continent, he must keep one step ahead of Salignac's brigands and live to fight heroically at the Battle of Blenheim. The author of the bestselling Railway detective series triumphs with this stunning first book in the Captain Rawson series.

Download or read book One Year Through the Bible written by David R. Veerman and published by Tyndale House Publishers, Inc.. This book was released on 2000 with total page 770 pages. Available in PDF, EPUB and Kindle. Book excerpt: This combination of a one-year devotional and the Life Application Bible, with NLT text, can lead readers through the Bible in a year. Each of the 365 devotions contain a daily direction to apply the message to life and daily excerpt of the larger Bible reading. Includes topical index.

Download or read book Cycle World Magazine written by and published by . This book was released on 1979-01 with total page 1698 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book How to Save Your Marriage written by Anthony Langmartey and published by Spirit and Truth. This book was released on 2021-04-21 with total page 61 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Special handbook that helps married couples get through their marriage journey. This book guide, How to Save Your Marriage, will sit you down and teach you how to stop the negative momentum in your relationship.

Download or read book American Motorcyclist written by and published by . This book was released on 1979-12 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: American Motorcyclist magazine, the official journal of the American Motorcyclist Associaton, tells the stories of the people who make motorcycling the sport that it is. It's available monthly to AMA members. Become a part of the largest, most diverse and most enthusiastic group of riders in the country by visiting our website or calling 800-AMA-JOIN.

Download or read book Impossible Is Nothing written by Clement T Mathebula and published by Xlibris Corporation. This book was released on 2016-04-04 with total page 73 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this book, Impossible Is Nothing, we look at a life of a motivated young South African man who made it through in life after having had to experience direct poverty in his early life. He has written this book himself, and it was prepared by Simon Motshegoa for publication. It is a very motivational book, and you will learn that indeed, in this life, nothing is impossible if you are purpose-driven and are willing to take the risk. When you wholeheartedly pursue your dreams and stay focused on them, you will eventually live your dream. This book also reveals the fact that success is not accidental but it comes with unceasing commitment.