Download or read book Hidden Charges written by Ridley Pearson and published by Macmillan. This book was released on 1993-05-15 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt: It's the boldest, most satisfying Ridley Pearson novel ever-the one that confirms his status as today's most powerful thriller writer! No one writes heartpounding suspense like Ridley Pearson. In Undercurrents, his taut, edge-of-the-seat plot gripped you from the start and didn't release you until the sharp, thrilling conclusion. In Probable Cause, he brought you to a whole new level of hard-edged excitement. Now he turns it up another notch, in Hidden Charges. In this "complex tale of greed, power and passion" (Indianapolis News), a shopper's paradise becomes a city under siege-held hostage by a madman armed with the skills and the weapons of a trained soldier, and possessed with an uncontrollable lust for vengeance, destruction...and death.
Download or read book Land of the Fee written by Devin Fergus and published by Oxford University Press. This book was released on 2018-06-08 with total page 265 pages. Available in PDF, EPUB and Kindle. Book excerpt: The loans ordinary Americans take out to purchase homes and attend college often leave them in a sea of debt. As Devin Fergus explains in Land of the Fee, a not-insignificant portion of that debt comes in the form of predatory hidden fees attached to everyday transactions. Beginning in the 1980s, lobbyists for the financial industry helped dismantle consumer protections, resulting in surreptitious fees-often waived for those who can afford them but not for those who can't. Bluntly put, these hidden fees unfairly keep millions of Americans from their hard-earned money. Journalists and policymakers have identified the primary causes of increasing wealth inequality-fewer good working class jobs, a rise in finance-driven speculative capitalism, and a surge of tax policy decisions that benefit the ultra-rich, among others. However, they miss one commonplace but substantial contributor to the widening divide between the rich and the rest: the explosion of fees on every transaction people make in their daily lives. Land of the Fee traces the system of fees from its origins in the deregulatory wave of the late 1970s to the present. The average consumer now pays a dizzying array of charges for mortgage contracts, banking transactions, auto insurance rates, college payments, and payday loans. These fees are buried in the pages of small-print agreements that few consumers read or understand. Because these fees do not fall under usury laws, they have redistributed wealth to large corporations and their largest shareholders. By exposing this predatory and nearly invisible system of fees, Land of the Fee reshapes our understanding of wealth inequality in America.
Download or read book The Hidden Cost of Being African American written by Thomas M. Shapiro and published by . This book was released on 2004 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past three decades, racial prejudice in America has declined significantly and many African American families have seen a steady rise in employment and annual income. But alongside these encouraging signs, Thomas Shapiro argues in The Hidden Cost of Being African American, fundamental levels of racial inequality persist, particularly in the area of asset accumulation--inheritance, savings accounts, stocks, bonds, home equity, and other investments-. Shapiro reveals how the lack of these family assets along with continuing racial discrimination in crucial areas like homeownership dramatically impact the everyday lives of many black families, reversing gains earned in schools and on jobs, and perpetuating the cycle of poverty in which far too many find themselves trapped. Shapiro uses a combination of in-depth interviews with almost 200 families from Los Angeles, Boston, and St. Louis, and national survey data with 10,000 families to show how racial inequality is transmitted across generations. We see how those families with private wealth are able to move up from generation to generation, relocating to safer communities with better schools and passing along the accompanying advantages to their children. At the same time those without significant wealth remain trapped in communities that don't allow them to move up, no matter how hard they work. Shapiro challenges white middle class families to consider how the privileges that wealth brings not only improve their own chances but also hold back people who don't have them. This "wealthfare" is a legacy of inequality that, if unchanged, will project social injustice far into the future. Showing that over half of black families fall below the asset poverty line at the beginning of the new century, The Hidden Cost of Being African American will challenge all Americans to reconsider what must be done to end racial inequality.
Download or read book Gotcha Capitalism written by Bob Sullivan and published by Ballantine Books. This book was released on 2008-01-22 with total page 370 pages. Available in PDF, EPUB and Kindle. Book excerpt: What is Gotcha Capitalism? Coughing up $4 fees for ATM transactions. Iron-clad cell phone contracts you can’t get out of with a crowbar. Paying big bucks for insurance you don’t need on a rental car or forking over $20 a day for supposedly “free” wireless internet. Every day we use banks, cell phones, and credit cards. Every day we book hotels and airline tickets. And every day we get ripped off. How? Here are just a few examples of how big business can get you: • You didn’t fill up the rental car with gas? Gotcha! Gas costs $7 a gallon here. • Your bank balance fell to $999.99 for one day? Gotcha! That’ll be $12. • You miss one payment on that 18-month same-as-cash loan? Gotcha! That’ll be $512 extra. • You’re one day late on that electric bill? Gotcha! All your credit cards now have a 29.99% interest rate. But not for much longer. In Gotcha Capitalism, MSNBC.com’s “Red Tape Chronicles” columnist Bob Sullivan exposes the ways we’re all cheated by big business, and teaches us how to get our money back–proven strategies that can help you save more than $1,000 a year. From the Trade Paperback edition.
Download or read book Negrophobia and Reasonable Racism written by Jody David Armour and published by NYU Press. This book was released on 2000 with total page 217 pages. Available in PDF, EPUB and Kindle. Book excerpt: Tackling the ugly secret of unconscious racism in American society, this book provides specific solutions to counter this entrenched phenomenon.
Download or read book How to Avoid Hidden Charges written by Indiana. Consumer Credit Division and published by . This book was released on 2001* with total page 6 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Hidden Costs Value Lost written by Institute of Medicine and published by National Academies Press. This book was released on 2003-06-19 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: Hidden Cost, Value Lost, the fifth of a series of six books on the consequences of uninsurance in the United States, illustrates some of the economic and social losses to the country of maintaining so many people without health insurance. The book explores the potential economic and societal benefits that could be realized if everyone had health insurance on a continuous basis, as people over age 65 currently do with Medicare. Hidden Costs, Value Lost concludes that the estimated benefits across society in health years of life gained by providing the uninsured with the kind and amount of health services that the insured use, are likely greater than the additional social costs of doing so. The potential economic value to be gained in better health outcomes from uninterrupted coverage for all Americans is estimated to be between $65 and $130 billion each year.
Download or read book High Cost of Free Parking written by Donald Shoup and published by Routledge. This book was released on 2021-02-25 with total page 752 pages. Available in PDF, EPUB and Kindle. Book excerpt: Off-street parking requirements are devastating American cities. So says the author in this no-holds-barred treatise on the way parking should be. Free parking, the author argues, has contributed to auto dependence, rapid urban sprawl, extravagant energy use, and a host of other problems. Planners mandate free parking to alleviate congestion, but end up distorting transportation choices, debasing urban design, damaging the economy, and degrading the environment. Ubiquitous free parking helps explain why our cities sprawl on a scale fit more for cars than for people, and why American motor vehicles now consume one-eighth of the world's total oil production. But it doesn't have to be this way. The author proposes new ways for cities to regulate parking, namely, charge fair market prices for curb parking, use the resulting revenue to pay for services in the neighborhoods that generate it, and remove zoning requirements for off-street parking.
Download or read book The Hidden Cost of Jewelry written by Jo Becker and published by . This book was released on 2018 with total page 97 pages. Available in PDF, EPUB and Kindle. Book excerpt: I. Introduction -- II. Existing standards - and why they are not enough -- III. How jewelry companies can source responsibly -- IV. Company rankings and performance -- V. A call to action: next steps fro the jewelry industry -- Acknowledgments -- Annex.
Download or read book Hidden Costs Hidden Subsidies written by Ward Elliott and published by . This book was released on 1975 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book True Cost Accounting for Food written by Barbara Gemmill-Herren and published by Routledge. This book was released on 2021-06-22 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explains how True Cost Accounting is an effective tool we can use to address the pervasive imbalance in our food system. Calls are coming from all quarters that the food system is broken and needs a radical transformation. A system that feeds many yet continues to create both extreme hunger and diet-related diseases, and one which has significant environmental impacts, is not serving the world adequately. This volume argues that True Cost Accounting in our food system can create a framework for a systemic shift. What sounds on the surface like a practice relegated to accountants is ultimately a call for a new lens on the valuation of food and a new relationship with the food we eat, starting with the reform of a system out of balance. From the true cost of corn, rice and water, to incentives for soil health, the chapters economically compare conventional and regenerative, more equitable farming practices in and food system structures, including taking an unflinching look at the true cost of cheap labour. Overall, this volume points towards the potential for our food system to be more human-centred than profit-centred and one that has a more respectful relationship to the planet. It sets forth a path forward based on True Cost Accounting for food. This path seeks to fix our current food metrics, in policy and in practice, by applying a holistic lens that evaluates the actual costs and benefits of different food systems, and the impacts and dependencies between natural systems, human systems, agriculture and food systems. This volume is essential reading for professionals and policymakers involved in developing and reforming the food system, as well as students and scholars working on food policy, food systems and sustainability.
Download or read book Stop the 401 k Rip off written by David B. Loeper and published by BookPros, LLC. This book was released on 2007 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: o How would you spend an extra $4,000 a year for the next twenty-five years?o How much more secure would your retirement be with an extra $100,000 or more?o How much more time could you spend at your family dinner table if you could work an hour less each day?o What would you do in retirement if you could retire three years earlier?Your 401(k) plan is probably one of your most important future sources of financial security. This book makes it easy for you to take the five steps needed to add more than $100,000 to your retirement nest egg without taking more risk or saving more money. This can allow you to improve your lifestyle, increase your benefits, identify the hidden costs and also improve your standing within your company by proactively helping your employer to take needed action.A popular industry speaker and writer, DAVID B. LOEPER is the founder and CEO of Financeware, Inc. in Richmond, VA. He has appeared on CNBC and Bloomberg TV, served on the Investment Advisory Committee of the $30 billion Virginia Retirement System, and was chairman of the Advisory Council for the Investment Management Consultants Association (IMCA). He earned the CIMA? designation (Certified Investment Management Analyst) from Wharton Business School in 1990 in conjunction with IMCA.
Download or read book Young House Love written by Sherry Petersik and published by Artisan. This book was released on 2015-07-14 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: This New York Times bestselling book is filled with hundreds of fun, deceptively simple, budget-friendly ideas for sprucing up your home. With two home renovations under their (tool) belts and millions of hits per month on their blog YoungHouseLove.com, Sherry and John Petersik are home-improvement enthusiasts primed to pass on a slew of projects, tricks, and techniques to do-it-yourselfers of all levels. Packed with 243 tips and ideas—both classic and unexpected—and more than 400 photographs and illustrations, this is a book that readers will return to again and again for the creative projects and easy-to-follow instructions in the relatable voice the Petersiks are known for. Learn to trick out a thrift-store mirror, spice up plain old roller shades, "hack" your Ikea table to create three distinct looks, and so much more.
Download or read book Hidden Charges Exposed written by Pat Keeley and published by . This book was released on 2016-08-30 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Hidden Order written by David D. Friedman and published by HarperCollins Publishers. This book was released on 1996 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: David Friedman has never taken an economics class in his life. Sure, he's taught economics at UCLA. Chicago, Tulane, Cornell, and Santa Clara, but don't hold that against him. After all, everyone's an economist. We all make daily decisions that rely, consciously or not, on an acute understanding of economic theory--from picking the fastest checkout tine at the supermarket to voting or not voting, from negotiating the best job offer to finding the right person to marry. Hidden Order is an essential guide to rational living, revealing all you need to know to get through each day without being eaten alive. Friedman's wise and immensely accessible book is perfect for amateur economists, struggling economics students, young parents and professionals--just about anyone who wants a clear-cut approach to why we make the choices we do and a sensible strategy for how to make the right ones.
Download or read book Secrets to Great Wealth written by Patrick Atin Ekuri and published by AuthorHouse. This book was released on 2011-01-31 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Secrets of Great Wealth: Secrets the Rich Would Wish You Never Knew is an interesting story of financial information that can change your life and rewrite your financial story forever. Cast against the background of ordinary-day examples, you will discover the easy possibility that you can achieve financial freedom in your life-time. In fact, right about now, as you heed the instructions it contains, your life can begin to attract the financial fortunes you may only have seen in your dreams. With insight given on how you can play the stock and real estate markets, two reputable and popular investment channels for wealth creation, you may have to sack your brokers in both markets, and still be able to play these markets profitably yourself, creating wealth for your financial freedom in the process. This book covers insightful information on the following areas: It identifies the greatest secret to wealth; It will teach you secret strategies on Real Estate investment in Nigeria with or without capital; It will enlighten you on how to complete a three-bedroom flat with less than three million naira; You will be taught how to become an expert trading on the Nigerian Stock Market without having to rely on your stock broker; It will reveal to you the secret of Marital Harmony; It will help you develop and achieve the goal of financial freedom; You will be helped to discover your purpose and fulfil your destiny; You will learn how to set achievable goals, make good plans and budget your way into wealth; You will discover the greatest business that can give you residual income without you working; You will be inspired to discover and pursue your passions; You will learn how many incomes there are and how to use them to multiply your wealth; You will be exposed on what to do before retirement to live the kind of life you desire in retirement; You will learn how the super rich make their budget; You will also learn how to tithe your way out of poverty into wealth and how to buy land in Nigeria successfully; including how banks trap unsuspecting Nigerians into mortgage debt and the way out of it. This book essentially teaches that you can rewrite your financial story by yourself!
Download or read book Invisible Crises written by George Gerbner and published by Routledge. This book was released on 2018-10-08 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: According to the contributors to this volume, the communications media deliberately blank out critical conditions and developments whose imagery would pose unacceptable challenges to the dominant structures of culture-power. Such "invisible crises" include the suppression of information about the dehumanization and stigmatization of groups of people; the drift toward ecological suicide; the neglect of vital institutions such as public education and the arts; the way in which television corrupts the electoral process; and the promotion of practices which drug, poison and kill. The book asks why the media are, in the view of contributors, withholding vital information from the public, and focuses on the increasing concentration of culture-power that, it is argued, keeps these truths from public view.
