Download or read book A Dream Defaulted written by Jason N. Houle and published by Harvard Education Press. This book was released on 2022-08-16 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Dream Defaulted explores how the student loan crisis disproportionately affects Black borrowers and why rising student debt is both a cause and consequence of social inequality in the United States. Jason N. Houle and Fenaba R. Addo offer a deft analysis of the growing financial crisis in education, examining its sources and its impacts. Based on more than five years of ongoing qualitative and quantitative research, this incisive work illustrates how the student loan system has not benefited all students equally. The authors tell the story of how first-generation college students, low-income students, and students of color are disadvantaged in two opposing phases of the process: debt accumulation and debt repayment. They further demonstrate that policies intended to mitigate financial burden and prevent default have failed to assist the people who most need help. Houle and Addo present these social and racial disparities within a broader context, tracing how centuries of institutionalized racism have contributed to social and economic inequities, perpetuating the racial wealth gap and leading to intergenerational inequality. Through interviews with borrowers, they illuminate the ways in which racial disparities affect who has college access, how and why people take on debt, and who has the ability to repay student loan debt after leaving college. Recognizing that the affordability crisis cannot be solved by higher education reform alone, Houle and Addo consider solutions. They argue that policy must extend beyond debt reduction and financial aid to address entrenched patterns of racial inequality and racial discrimination, both inside and outside institutions of higher education.
Download or read book A Dream Foreclosed written by Laura Gottesdiener and published by Zuccotti Park Press. This book was released on 2013 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt: A moving exploration of homeownership, freedom, and the American Dream in light of the ongoing financial crisis and mass foreclosure.
Download or read book Why Not Default written by Jerome E. Roos and published by Princeton University Press. This book was released on 2019-02-12 with total page 413 pages. Available in PDF, EPUB and Kindle. Book excerpt: How creditors came to wield unprecedented power over heavily indebted countries—and the dangers this poses to democracy The European debt crisis has rekindled long-standing debates about the power of finance and the fraught relationship between capitalism and democracy in a globalized world. Why Not Default? unravels a striking puzzle at the heart of these debates—why, despite frequent crises and the immense costs of repayment, do so many heavily indebted countries continue to service their international debts? In this compelling and incisive book, Jerome Roos provides a sweeping investigation of the political economy of sovereign debt and international crisis management. He takes readers from the rise of public borrowing in the Italian city-states to the gunboat diplomacy of the imperialist era and the wave of sovereign defaults during the Great Depression. He vividly describes the debt crises of developing countries in the 1980s and 1990s and sheds new light on the recent turmoil inside the Eurozone—including the dramatic capitulation of Greece’s short-lived anti-austerity government to its European creditors in 2015. Drawing on in-depth case studies of contemporary debt crises in Mexico, Argentina, and Greece, Why Not Default? paints a disconcerting picture of the ascendancy of global finance. This important book shows how the profound transformation of the capitalist world economy over the past four decades has endowed private and official creditors with unprecedented structural power over heavily indebted borrowers, enabling them to impose painful austerity measures and enforce uninterrupted debt service during times of crisis—with devastating social consequences and far-reaching implications for democracy.
Download or read book The Dream Quest of Vellitt Boe written by Kij Johnson and published by Tordotcom. This book was released on 2016-08-16 with total page 105 pages. Available in PDF, EPUB and Kindle. Book excerpt: One of NPR's Best Books of 2016 and a Hugo, Nebula, John W. Campbell, and Locus Award finalist for Best Novella Professor Vellitt Boe teaches at the prestigious Ulthar Women’s College. When one of her most gifted students elopes with a dreamer from the waking world, Vellitt must retrieve her. "Kij Johnson's haunting novella The Dream-Quest of Vellitt Boe is both a commentary on a classic H.P. Lovecraft tale and a profound reflection on a woman's life. Vellitt's quest to find a former student who may be the only person who can save her community takes her through a world governed by a seemingly arbitrary dream logic in which she occasionally glimpses an underlying but mysterious order, a world ruled by capricious gods and populated by the creatures of dreams and nightmares. Those familiar with Lovecraft's work will travel through a fantasy landscape infused with Lovecraftian images viewed from another perspective, but even readers unfamiliar with his work will be enthralled by Vellitt's quest. A remarkable accomplishment that repays rereading." —Pamela Sargent, winner of the Nebula Award At the Publisher's request, this title is being sold without Digital Rights Management Software (DRM) applied.
Download or read book Lending to the Borrower from Hell written by Mauricio Drelichman and published by Princeton University Press. This book was released on 2016-12-13 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: What the loans and defaults of a sixteenth-century Spanish king can tell us about sovereign debt today Why do lenders time and again loan money to sovereign borrowers who promptly go bankrupt? When can this type of lending work? As the United States and many European nations struggle with mountains of debt, historical precedents can offer valuable insights. Lending to the Borrower from Hell looks at one famous case—the debts and defaults of Philip II of Spain. Ruling over one of the largest and most powerful empires in history, King Philip defaulted four times. Yet he never lost access to capital markets and could borrow again within a year or two of each default. Exploring the shrewd reasoning of the lenders who continued to offer money, Mauricio Drelichman and Hans-Joachim Voth analyze the lessons from this important historical example. Using detailed new evidence collected from sixteenth-century archives, Drelichman and Voth examine the incentives and returns of lenders. They provide powerful evidence that in the right situations, lenders not only survive despite defaults—they thrive. Drelichman and Voth also demonstrate that debt markets cope well, despite massive fluctuations in expenditure and revenue, when lending functions like insurance. The authors unearth unique sixteenth-century loan contracts that offered highly effective risk sharing between the king and his lenders, with payment obligations reduced in bad times. A fascinating story of finance and empire, Lending to the Borrower from Hell offers an intelligent model for keeping economies safe in times of sovereign debt crises and defaults.
Download or read book Fannie Mae and Freddie Mac written by Oonagh McDonald and published by A&C Black. This book was released on 2013-07-18 with total page 494 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book demonstrates how politicians and federal agencies dominated Fannie Mae and Freddie Mac and took just thirteen years to wreck the American dream of home ownership.
Download or read book The Dreamist written by R. Neville Johnston and published by Author House. This book was released on 2011-01-07 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dreamist is a Future Novel. At the turn of this century, the greatest game show that has ever been created is about to step into a whole new dimension. The story follows the life of Kabel Newstarr, from the heights of delight that the show bestows on a person, to the depths of a hellish war that is being waged against the contestants and the future of our planet. No one suspects the true architect busy at work. Instead they are sleep in their isolation chambers projecting their dreaming bodies and preparing to do battle. The true bonds of brothers and sisters in war are forged as the game gains momentum into its next level. It seems like the show is over but this is just the beginning. Things get much more serious much more rapidly. It looks as though all will be lost and humanity will de-evolve and remain enslaved. When help arrives from an unforeseen unexpected source. It goes where no Sci-Fi has ever gone. The author himself says, Im not going to pitch you a lot of hype. This is a fun story that will pull you right through it. You will be a better, more enlightened person and a much greater dreamer at the end. My gratitude for reading. Dreamist takes off where the movie Inception ended. This book is a dream journal from the future. Read it before you fall asleep. Its story coated education.
Download or read book Origins of the Dream written by W. Jason Miller and published by University Press of Florida. This book was released on 2015-02-03 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since Martin Luther King Jr.’s “I Have a Dream” speech, some scholars have privately suspected that King’s “dream” was connected to Langston Hughes’s poetry. Drawing on archival materials, including notes, correspondence, and marginalia, W. Jason Miller provides a completely original and compelling argument that Hughes’s influence on King’s rhetoric was, in fact, evident in more than just the one famous speech. King’s staff had been wiretapped by J. Edgar Hoover and suffered accusations of communist influence, so quoting or naming the leader of the Harlem Renaissance—who had his own reputation as a communist—would only have intensified the threats against the civil rights activist. Thus, the link was purposefully veiled through careful allusions in King’s orations. In Origins of the Dream, Miller lifts that veil and shows how Hughes’s revolutionary poetry became a measurable inflection in King’s voice. He contends that by employing Hughes’s metaphors in his speeches, King negotiated a political climate that sought to silence the poet’s subversive voice. By separating Hughes’s identity from his poems, King helped the nation unconsciously embrace the incendiary ideas behind his poetry.
Download or read book White House Burning written by Simon Johnson and published by Vintage. This book was released on 2013-02-12 with total page 386 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the authors of the national bestseller 13 Bankers, a chilling account of America’s unprecedented debt crisis: how it came to pass, why it threatens to topple the nation as a superpower, and what needs to be done about it. With bracing clarity, White House Burning explains why the national debt matters to your everyday life. Simon Johnson and James Kwak describe how the government has been able to pay off its debt in the past, even after the massive deficits incurred as a result of World War II, and analyze why this is near-impossible today. They closely examine, among other factors, macroeconomic shifts of the 1970s, Reaganism and the rise of conservatism, and demographic changes that led to the growth of major—and extremely popular—social insurance programs. What is unquestionably clear is how recent financial turmoil exacerbated the debt crisis while creating a political climate in which it is even more difficult to solve.
Download or read book Mortgage Delinquencies and Defaults written by United States. Congress. House. Committee on Government Operations. Manpower and Housing Subcommittee and published by . This book was released on 1983 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Free and Clear written by Howard Dayton and published by Moody Publishers. This book was released on 2006-01-01 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: Overwhelmed with debt? There is hope and freedom for you no matter how big your problem. Skyrocketing debt has crippled and divided millions in this age of rampant credit, interest-only mortgages, and record loan defaults. The way out from under debt burdens is not a declaration of bankruptcy, but surrender to the Word of God. Becoming debt-free may seem an impossible dream for many, but it is actually an attainable goal according to Howard Dayton, cofounder of Crown Financial Ministries. He overcame his own struggle with debt by applying God's principles to managing his finances, principles he lays out in this practical, encouraging, never-give-up book.
Download or read book Jackalope Dreams written by Mary Clearman Blew and published by U of Nebraska Press. This book was released on 2008-01-01 with total page 414 pages. Available in PDF, EPUB and Kindle. Book excerpt: Corey Henry is fired from her Montana middle school teaching job after striking a taunting student, 13-year-old Ariel Doggett. Heading into her 60s with diminished hopes, Corey faces further trials when her 80-year-old father, a decorated WWII vet and former rodeo star named Loren, commits suicide. Then Ariel's opportunistic father, Hailey Doggett, sues Corey for assaulting his daughter and turns out to be a lot more than merely greedy.
Download or read book Bootstrap Dreams written by Nancy Jurik and published by Cornell University Press. This book was released on 2018-08-06 with total page 271 pages. Available in PDF, EPUB and Kindle. Book excerpt: Declines in real wages, increases in the number of poor families, and cutbacks to welfare and other safety-net programs have stimulated the popularity of microenterprise development programs (MDPs). These programs typically offer training and loans to individuals seeking to operate very small businesses. MDPs are often presented as a path to the self-sufficiency that comes with entrepreneurship and as an example of the success of market-based alternatives to government programs. In Bootstrap Dreams, Nancy C. Jurik analyzes the origins and maturation of these programs in the United States. Based on a national sample of fifty programs and an eight-year case study of one in particular, this is a rare book about microenterprise development. Jurik understands the positive social mission of MDPs, but she is not blind to the problems that they encounter. Jurik's clear perception of potential difficulties and her keen ability to place the microenterprise movement in the larger context of welfare reform and globalization make Bootstrap Dreams a valuable book.
Download or read book Subprime and Predatory Lending written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2007 with total page 518 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book American Photography and the American Dream written by James Guimond and published by UNC Press Books. This book was released on 1991 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: Looks at how documentary photographers have contested the idea of the American dream, and discusses the work of Francis Benjamin Johnston, Lewis Hine, Walker Evans, Dorothea Lange, William Klein, Diane Arbus, and Robert Frank
Download or read book Preserving the American Dream written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2009 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Walk Away written by Douglas E. French and published by Ludwig von Mises Institute. This book was released on 2010 with total page 95 pages. Available in PDF, EPUB and Kindle. Book excerpt: This elegant and fact-filled book by Doug French examines the background to the case of "strategic default," or walking away from your home, and considers its implications from a variety of different perspectives. The thesis here is that there is nothing ominous or evil about this practice. It is an extension of economic rationality. -- from Mises Institute website