Download or read book Insufficient Funds written by Rebecca M. Blank and published by Russell Sage Foundation. This book was released on 2009-03-26 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: One in four American adults doesn’t have a bank account. Low-income families lack access to many of the basic financial services middle-class families take for granted and are particularly susceptible to financial emergencies, unemployment, loss of a home, and uninsured medical problems. Insufficient Funds explores how institutional constraints and individual decisions combine to produce this striking disparity and recommends policies to help alleviate the problem. Mainstream financial services are both less available and more expensive for low-income households. High fees, minimum-balance policies, and the relative scarcity of banks in poor neighborhoods are key factors. Michael Barr reports the results of an in-depth study of financial behavior in 1,000 low- and moderate-income families in metropolitan Detroit. He finds that most poor households have bank accounts, but combine use of mainstream services with alternative options such as money orders, pawnshops, and payday lenders. Barr suggests that a tax credit for banks serving primarily disadvantaged customers could facilitate greater equality in the private financial sector. Drawing on evidence from behavioral economics, Sendhil Mullainathan and Eldar Shafir show that low-income individuals exhibit many of the same patterns and weaknesses in financial decision making as middle-class individuals and could benefit from many of the same financial aids. They argue that savings programs that automatically enroll participants and require them to actively opt out in order to leave the program could drastically increase savings ability. Ronald Mann demonstrates that significant changes in the credit market over the past fifteen years have allowed companies to expand credit to a larger share of low-income families. Mann calls for regulations on credit card companies that would require greater disclosure of actual interest rates and fees. Raphael Bostic and Kwan Lee find that while home ownership has risen dramatically over the past twenty years, elevated risks for low-income families—such as foreclosure—may well outweigh the benefits of owning a home. The authors ultimately argue that if we want to demand financial responsibility from low-income households, we have an obligation to assure that these families have access to the banking, credit, and savings institutions that are readily available to higher-income families. Insufficient Funds highlights where and how access is blocked and shows how government policy and individual decisions could combine to eliminate many of these barriers in the future.

Download or read book Transnational Families written by Harry Goulbourne and published by Routledge. This book was released on 2010-01-21 with total page 450 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contemporary Western society is changing and, controversially, migration is often flagged up as one of the reasons why. The nature of population change challenges the conventional understandings of family forms and networks whilst multiculturalism poses challenges to our understanding of social change, families and social capital. This innovative book provides an overview of the emergence of new understandings of ethnicities, identities and family forms across a number of ethnic groups, family types, and national boundaries. Based on new empirical data from fairly distinct sets of transnational family networks in minority communities with a substantial presence in the United Kingdom – principally, Caribbean and Italian, but also drawing on others such as Indian – it examines their lived experiences and uses the concept of social capital to explore how these families manage to maintain close and meaningful links. Transnational Families discusses, explains and illustrates the substantial problems and issues confronted by communities and families, academics and policy-makers/implementers, and non-governmental organisations within a transnational world. It will be of interest to students and scholars of migration, transnationalism, families and globalisation.

Download or read book Insufficient Funds written by Peter C. Alexander and published by Dorrance Publishing. This book was released on 2021-09-03 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: Insufficient Funds: The Financial Life of Frank Lloyd Wright By Peter C. Alexander Dozens of books have been written about architect Frank Lloyd Wright’s architecture, aesthetic, and various design achievements; however, no one has looked at his business practices… until now. In this book, Peter Alexander focuses on the financial life of this American architectural genius after more than fifteen years of research. Wright was a spendthrift who earned a considerable fortune over his lifetime, but he was a man who never had sufficient funds to meet his expenses. Most often, his lack of financial stability was because he had an insatiable need to spend money on Japanese art, pianos, cars, and other assorted luxury items. The material in the book comes from a wide variety of sources, including conversations and anecdotes that have been included in the many published works about Mr. Wright’s life and legacy as well as verifiable and apocryphal stories shared by docents conducting house tours. The book is also informed by considerable original material, including archival records about Mr. Wright’s financial life and interviews of two of his grandchildren, his Spring Green, Wisconsin neighbors, former apprentices, students enrolled in the Frank Lloyd Wright School of Architecture, and homeowners who worked with Wright to build their dream homes.

Download or read book Insufficient Funds written by James Millard and published by John Wiley & Sons. This book was released on 2024-08-13 with total page 237 pages. Available in PDF, EPUB and Kindle. Book excerpt: A money book without the BS Whether you dream of security and home ownership, you’re building your career, or you want to grow your family... it’s time to figure out what you want from your money. And then make it happen. Financial adviser James Millard cuts through the jargon and shares a simple framework for making better money decisions and achieving your goals. Insufficient Funds is a comprehensive guide to personal finance that recognises the realities and challenges of balancing your life with your spending. So where do you start? To plan your future and find financial freedom, you need to define what 'sufficient’ means to you. And it’s not about settling for less! Insufficient Funds will show you how to make the most of what you earn — and enjoy it more too. You’ll get lifelong strategies to help you achieve your personal goals and live your dreams. Inside, you’ll find: The 5 Ds: a proven framework to help you Define, Declutter, Develop, Defend, and Deliver when it comes to your money goals Strategies to overcome money stress and money mess Targeted guidance for the different scenarios, events, and stages that life might throw at you A balanced approach to building wealth while still enjoying your everyday life Real-world stories and relatable experiences that help show the way Insufficient Funds is the no-nonsense guide you need to build a better money mindset and a strategic financial plan. The more you align your money decisions with the outcomes you truly want, the more you’ll gain clarity, confidence, and momentum — for a happier, more fulfilling life, today and tomorrow. "James and his team support my community with financial advice to live their best lives. He is a genius in this space and this book gives away all his best secrets!” — Victoria Devine, founder of Australia's #1 finance podcast, She's on the Money "James has cracked the code in making financial advice relatable, approachable and insanely valuable. Read the book, follow the 5x Ds and achieve your version of ‘sufficient funds’.” — Glen James, author and founder of the this is money podcast

Download or read book Insufficient Funds written by Hung Cam Thai and published by Stanford University Press. This book was released on 2014-04-09 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every year migrants across the globe send more than $500 billion to relatives in their home countries, and this circulation of money has important personal, cultural, and emotional implications for the immigrants and their family members alike. Insufficient Funds tells the story of how low-wage Vietnamese immigrants in the United States and their poor, non-migrant family members give, receive, and spend money. Drawing on interviews and fieldwork with more than one hundred members of transnational families, Hung Cam Thai examines how and why immigrants, who largely earn low wages as hairdressers, cleaners, and other "invisible" workers, send home a substantial portion of their earnings, as well as spend lavishly on relatives during return trips. Extending beyond mere altruism, this spending is motivated by complex social obligations and the desire to gain self-worth despite their limited economic opportunities in the United States. At the same time, such remittances raise expectations for standards of living, producing a cascade effect that monetizes family relationships. Insufficient Funds powerfully illuminates these and other contradictions associated with money and its new meanings in an increasingly transnational world.

Download or read book Model Rules of Professional Conduct written by American Bar Association. House of Delegates and published by American Bar Association. This book was released on 2007 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

Download or read book Department of Transportation and related agencies appropriations for fiscal year 1990 written by United States. Congress. Senate. Committee on Appropriations. Subcommittee on Transportation and Related Agencies and published by . This book was released on 1990 with total page 1390 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Hearings Reports and Prints of the House Committee on Foreign Affairs written by United States. Congress. House. Committee on Foreign Affairs (1789-1975) and published by . This book was released on 1966 with total page 1142 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Model Rules for Lawyer Disciplinary Enforcement written by American Bar Association. Standing Committee on Professional Discipline and published by American Bar Association. This book was released on 2001 with total page 106 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The ABA model rules for lawyer disciplinary enforcement were adopted by the American Bar Association House of Delegates on August 11, 1993, and amended in 1995, 1996 and 1999"--T.p. verso.

Download or read book People v Bearss 463 MICH 623 2001 written by and published by . This book was released on 2001 with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt: 115665

Download or read book The Safe Banking Act of 1977 September 27 28 29 and 30 1977 and appendix written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1977 with total page 950 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Safe Banking Act of 1977 written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1977 with total page 950 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Circular written by United States. Office of Education and published by . This book was released on 1965 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Communities in Action written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2017-04-27 with total page 583 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.

Download or read book Why Startups Fail written by Tom Eisenmann and published by Currency. This book was released on 2021-03-30 with total page 370 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you want your startup to succeed, you need to understand why startups fail. “Whether you’re a first-time founder or looking to bring innovation into a corporate environment, Why Startups Fail is essential reading.”—Eric Ries, founder and CEO, LTSE, and New York Times bestselling author of The Lean Startup and The Startup Way Why do startups fail? That question caught Harvard Business School professor Tom Eisenmann by surprise when he realized he couldn’t answer it. So he launched a multiyear research project to find out. In Why Startups Fail, Eisenmann reveals his findings: six distinct patterns that account for the vast majority of startup failures. • Bad Bedfellows. Startup success is thought to rest largely on the founder’s talents and instincts. But the wrong team, investors, or partners can sink a venture just as quickly. • False Starts. In following the oft-cited advice to “fail fast” and to “launch before you’re ready,” founders risk wasting time and capital on the wrong solutions. • False Promises. Success with early adopters can be misleading and give founders unwarranted confidence to expand. • Speed Traps. Despite the pressure to “get big fast,” hypergrowth can spell disaster for even the most promising ventures. • Help Wanted. Rapidly scaling startups need lots of capital and talent, but they can make mistakes that leave them suddenly in short supply of both. • Cascading Miracles. Silicon Valley exhorts entrepreneurs to dream big. But the bigger the vision, the more things that can go wrong. Drawing on fascinating stories of ventures that failed to fulfill their early promise—from a home-furnishings retailer to a concierge dog-walking service, from a dating app to the inventor of a sophisticated social robot, from a fashion brand to a startup deploying a vast network of charging stations for electric vehicles—Eisenmann offers frameworks for detecting when a venture is vulnerable to these patterns, along with a wealth of strategies and tactics for avoiding them. A must-read for founders at any stage of their entrepreneurial journey, Why Startups Fail is not merely a guide to preventing failure but also a roadmap charting the path to startup success.

Download or read book Packers and Stockyards Resume written by United States. Packers and Stockyards Administration and published by . This book was released on 1981 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Permanent Supportive Housing written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2018-07-11 with total page 227 pages. Available in PDF, EPUB and Kindle. Book excerpt: Chronic homelessness is a highly complex social problem of national importance. The problem has elicited a variety of societal and public policy responses over the years, concomitant with fluctuations in the economy and changes in the demographics of and attitudes toward poor and disenfranchised citizens. In recent decades, federal agencies, nonprofit organizations, and the philanthropic community have worked hard to develop and implement programs to solve the challenges of homelessness, and progress has been made. However, much more remains to be done. Importantly, the results of various efforts, and especially the efforts to reduce homelessness among veterans in recent years, have shown that the problem of homelessness can be successfully addressed. Although a number of programs have been developed to meet the needs of persons experiencing homelessness, this report focuses on one particular type of intervention: permanent supportive housing (PSH). Permanent Supportive Housing focuses on the impact of PSH on health care outcomes and its cost-effectiveness. The report also addresses policy and program barriers that affect the ability to bring the PSH and other housing models to scale to address housing and health care needs.