Download or read book Underwater written by Ryan Dezember and published by Macmillan + ORM. This book was released on 2020-07-14 with total page 189 pages. Available in PDF, EPUB and Kindle. Book excerpt: Winner of the Bruss Real Estate Book Award His assignment was to write about a real-estate frenzy lighting up the Redneck Riviera. So Ryan Dezember settled in and bought a home nearby himself. Then the market crashed, and he became one of the millions of Americans who suddenly owed more on their homes than they were worth. A flood of foreclosures made it impossible to sell. It didn't help that his quaint neighborhood fell into disrepair and drug-induced despair. He had no choice but to become a reluctant and wildly unprofitable landlord to move on. Meanwhile, his reporting showed how the speculative mania that caused the crash opened the U.S. housing market to a much larger breed of investors. In this deeply personal story, Dezember shows how decisions on Wall Street and in Washington played out on his street in a corner of the Sunbelt that was convulsed by the foreclosure crisis. Readers will witness the housing market collapse from Dezember’s perch as a newspaper reporter. First he’s in the boom-to-bust South where a hot-air balloonist named Bob Shallow becomes one of the world’s top selling real-estate agents arranging condo flips, developers flop in spectacular fashion and the law catches up with a beach-town mayor on the take. Later he’s in New York, among financiers like Blackstone’s Stephen Schwarzman who are building rental empires out of foreclosures, staking claim to the bastion of middle-class wealth: the single-family home. Through it all, Dezember is an underwater homeowner caught up in the mess. A cautionary tale of Wall Street's push to turn homes into assets, Underwater is a powerful, incisive story that chronicles the crash and its aftermath from a fresh perspective—the forgotten, middle-class homeowner.
Download or read book Underwater Homes written by Therese Hopkins and published by The Rosen Publishing Group, Inc. This book was released on 2009-01-15 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explains different types of homes found in the water and the animals that live there.
Download or read book Underwater written by Chris Lauer and published by Apress. This book was released on 2014-03-01 with total page 270 pages. Available in PDF, EPUB and Kindle. Book excerpt: Just about every month, housing values in the U.S. fall. That, in turn, increases the number of people who owe more on their houses than they are worth—either trapping them in homes they may no longer want or putting them in danger of financial catastrophe if they lose a job or are otherwise unable to meet the mortgage. Underwater: Options When Your Mortgage Is Upside Down offers valuable advice to homeowners on ways they can unload a house they no longer want, save a home from foreclosure, or undergo foreclosure and start anew. The book offers smart advice from lawyers, bankers, real estate agents, personal finance experts, and homeowners who have seen the foreclosure process firsthand, as well as those who have been able to save their homes through loan modifications and other creative methods. Those faced with tough choices will find invaluable guidance to help them make well-informed decisions while managing the emotional fallout each brings. Many of the eleven million people in the U.S. now facing the “underwater” dilemma wonder: Is staying put the only option? What if I can’t pay the monthly mortgage bill? Can I save my home? Underwater: Options When Your Mortgage Is Upside Down outlines the options—when foreclosure is a good idea, how to best protect the equity you've built up, the financial repercussions of going into foreclosure, strategies for renegotiating a loan, taking advantage of government programs designed to keep you happily housed, and more. Veteran financial journalist Chris Lauer provides the facts, ideas, and advice that can help any underwater homeowner—especially those facing foreclosure—make smart decisions for a better future.
Download or read book Braving Home written by Jake Halpern and published by Houghton Mifflin Harcourt. This book was released on 2015-02-10 with total page 237 pages. Available in PDF, EPUB and Kindle. Book excerpt: A journalist visits five of America’s disaster-zone towns and the devoted residents who chose to stay despite hellish conditions. As a young reporter, Jake Halpern became obsessed with stories about "some outlandish and often hellish place inhabited by a handful of stalwarts who refused to leave." His fellow reporters joked with him and nicknamed him the Bad Homes Correspondent. But the more he learned about these people, the more he was drawn to them. Braving Home is Halpern’s irresistible portrait of these hometowns and his friendships with their most loyal residents. In North Carolina, Halpern meets a retired mill worker who single-handedly manned his hometown in the wake of a devastating flood. In Alaska, he visits a lone snowbound high-rise at the foot of a glacier. At the base of a Hawaiian volcano, he stays with a hermit whose house was surrounded by molten lava. Among the glitterati of Malibu, a longtime "hillbilly" teaches him the traditions of firefighting. And on a barrier island off the coast of Louisiana, a legendary storm rider tells of surviving hurricanes—even if it means tying one's hair to a tree. Throughout his journey, Halpern explores the value of rootedness in an age when American society is more mobile than ever.
Download or read book Underwater Home written by Brent T. White and published by Createspace Independent Publishing Platform. This book was released on 2010-11-15 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "An emotional and practical guide for the underwater homeowner ... explains when it makes financial sense to stay in your underwater home and when it makes sense to get out ... explains your options and gives you the facts that will empower you to make the best decision for your family, free from guilt and fear, and with clarity, confidence, and peace of mind"--Page 4 of cover.
Download or read book The Underwater Museum written by Jason deCaires Taylor and published by Chronicle Books. This book was released on 2014-03-11 with total page 131 pages. Available in PDF, EPUB and Kindle. Book excerpt: A one-of-a-kind blend of art, nature, and conservation, The Underwater Museum re-creates an awe-inspiring dive into the dazzling under-ocean sculpture parks of artist Jason deCaires Taylor. Taylor casts his life-size statues from a special kind of cement that facilitates reef growth, and sinks them to the ocean floor. There, over time, the artworks attract corals, algae, and fish, and evolve into beautiful and surreal installations that are also living reefs. This volume brings readers face to face with these wonders and explains the science behind their creation. Ocean enthusiasts, divers, art lovers, and anyone entranced by the natural world will be instantly engrossed by this pearl of a book.
Download or read book Homewaters written by David B. Williams and published by University of Washington Press. This book was released on 2021-04-24 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt: Not far from Seattle skyscrapers live 150-year-old clams, more than 250 species of fish, and underwater kelp forests as complex as any terrestrial ecosystem. For millennia, vibrant Coast Salish communities have lived beside these waters dense with nutrient-rich foods, with cultures intertwined through exchanges across the waterways. Transformed by settlement and resource extraction, Puget Sound and its future health now depend on a better understanding of the region’s ecological complexities. Focusing on the area south of Port Townsend and between the Cascade and Olympic mountains, Williams uncovers human and natural histories in, on, and around the Sound. In conversations with archaeologists, biologists, and tribal authorities, Williams traces how generations of humans have interacted with such species as geoducks, salmon, orcas, rockfish, and herring. He sheds light on how warfare shaped development and how people have moved across this maritime highway, in canoes, the mosquito fleet, and today’s ferry system. The book also takes an unflinching look at how the Sound’s ecosystems have suffered from human behavior, including pollution, habitat destruction, and the effects of climate change. Witty, graceful, and deeply informed, Homewaters weaves history and science into a fascinating and hopeful narrative, one that will introduce newcomers to the astonishing life that inhabits the Sound and offers longtime residents new insight into and appreciation of the waters they call home. A Michael J. Repass Book
Download or read book Underwater written by Rebecca Elliott and published by Columbia University Press. This book was released on 2021-01-05 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Communities around the United States face the threat of being underwater. This is not only a matter of rising waters reaching the doorstep. It is also the threat of being financially underwater, owning assets worth less than the money borrowed to obtain them. Many areas around the country may become economically uninhabitable before they become physically unlivable. In Underwater, Rebecca Elliott explores how families, communities, and governments confront problems of loss as the climate changes. She offers the first in-depth account of the politics and social effects of the U.S. National Flood Insurance Program (NFIP), which provides flood insurance protection for virtually all homes and small businesses that require it. In doing so, the NFIP turns the risk of flooding into an immediate economic reality, shaping who lives on the waterfront, on what terms, and at what cost. Drawing on archival, interview, ethnographic, and other documentary data, Elliott follows controversies over the NFIP from its establishment in the 1960s to the present, from local backlash over flood maps to Congressional debates over insurance reform. Though flood insurance is often portrayed as a rational solution for managing risk, it has ignited recurring fights over what is fair and valuable, what needs protecting and what should be let go, who deserves assistance and on what terms, and whose expectations of future losses are used to govern the present. An incisive and comprehensive consideration of the fundamental dilemmas of moral economy underlying insurance, Underwater sheds new light on how Americans cope with loss as the water rises.
Download or read book Guy Harvey s Underwater World written by Guy Harvey and published by Rowman & Littlefield. This book was released on 2021-06-01 with total page 341 pages. Available in PDF, EPUB and Kindle. Book excerpt: This strikingly beautiful, large-format book showcases Guy Harvey’s around-the-world fishing and diving adventures. Drawing from meticulous notes, knock-out photographs and Guy’s signature artwork, Guy weaves together fascinating stories, scientific discoveries and insights into the behavior of dozens of gamefish species to give us an up-close picture of his time on and in the water. Chapters highlight expeditions to the Bahamas, Caribbean, Belize, Cuba, the Caymans, Bermuda, the Yucatan and Mexico, Canada, Alaska, Costa Rica, Australia and the Galapagos, truly the international fishing experiences of a lifetime. Guy is a world-class angler, diver, photographer, and artist whose contributions to conservation and scientific research are as recognized as his accomplishments in sport and art. Guy has lived the life anglers dream of and this is the book that documents that dream.
Download or read book Underwater written by Marisa Reichardt and published by Farrar, Straus and Giroux (BYR). This book was released on 2016-01-12 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: Morgan didn't mean to do anything wrong that day. Actually, she meant to do something right. But her kind act inadvertently played a role in a deadly tragedy. In order to move on, Morgan must learn to forgive-first someone who did something that might be unforgivable, and then, herself. But Morgan can't move on. She can't even move beyond the front door of the apartment she shares with her mother and little brother. Morgan feels like she's underwater, unable to surface. Unable to see her friends. Unable to go to school. When it seems Morgan can't hold her breath any longer, a new boy moves in next door. Evan reminds her of the salty ocean air and the rush she used to get from swimming. He might be just what she needs to help her reconnect with the world outside. Underwater is a powerful, hopeful debut novel about redemption, recovery, and finding the strength it takes to face your past and move on.
Download or read book New York 2140 written by Kim Stanley Robinson and published by Orbit. This book was released on 2017-03-14 with total page 624 pages. Available in PDF, EPUB and Kindle. Book excerpt: New York Times bestselling author Kim Stanley Robinson returns with a bold and brilliant vision of New York City in the next century. As the sea levels rose, every street became a canal. Every skyscraper an island. For the residents of one apartment building in Madison Square, however, New York in the year 2140 is far from a drowned city. There is the market trader, who finds opportunities where others find trouble. There is the detective, whose work will never disappear -- along with the lawyers, of course. There is the internet star, beloved by millions for her airship adventures, and the building's manager, quietly respected for his attention to detail. Then there are two boys who don't live there, but have no other home -- and who are more important to its future than anyone might imagine. Lastly there are the coders, temporary residents on the roof, whose disappearance triggers a sequence of events that threatens the existence of all -- and even the long-hidden foundations on which the city rests.
Download or read book Planet Ocean written by Patricia Newman and published by Millbrook Press ™. This book was released on 2021-03-02 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Books like this one help lead the way to a better climate future for all inhabitants of Mother Earth. We are all in this together!" — Jeff Bridges, Academy Award winner and environmentalist A little more than 70 percent of Planet Earth is ocean. So wouldn’t a better name for our global home be Planet Ocean? You may be surprised at just how closely YOU are connected to the ocean. Regardless of where you live, every breath you take and every drop of water you drink links you to the ocean. And because of this connection, the ocean’s health affects all of us. Dive in with author Patricia Newman and photographer Annie Crawley—visit the Coral Triangle near Indonesia, the Salish Sea in the Pacific Northwest, and the Arctic Ocean at the top of the world. Find out about problems including climate change, ocean acidification, and plastic pollution, and meet inspiring local people who are leading the way to reverse the ways in which humans have harmed the ocean. Planet Ocean shows us how to stop thinking of ourselves as existing separate from the ocean and how to start taking better care of this precious resource.
Download or read book Girl Underwater written by Claire Kells and published by Penguin. This book was released on 2016-08-16 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: An adventurous debut novel cutting between a competitive college swimmer's harrowing days in the Rocky Mountains after a major airline disaster, and her recovery supported by the two men who love her--only one of whom knows what really happened in the wilderness. Nineteen-year-old Avery Delacorte loves the water. A sophomore on her university's nationally ranked swim team, she finally feels popular and accepted -- especially by Lee, her kind and outgoing boyfriend. But everything changes when Avery's red-eye home for Thanksgiving makes a ditch landing in a mountain lake in the Colorado Rockies. There are only five survivors: Avery, three little boys, and Colin Shea-- the teammate Avery has been avoiding since the first day of freshman year. Faced with sub-zero temperatures, minimal supplies, and the dangers of a forbidding nowhere, Avery and Colin must rely on their talents, willpower, and each other in ways they never could have imagined. Yet when Avery emerges from her ordeal alive, terrified of the water, conflicted by her emotions, and evasive of her memories, she must face the harrowing realization that rescue doesn't necessarily mean survival.
Download or read book House of Debt written by Atif Mian and published by University of Chicago Press. This book was released on 2015-05-20 with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A concise and powerful account of how the great recession happened and what should be done to avoid another one . . . well-argued and consistently informative.” —Wall Street Journal The Great American Recession of 2007-2009 resulted in the loss of eight million jobs and the loss of four million homes to foreclosures. Is it a coincidence that the United States witnessed a dramatic rise in household debt in the years before the recession—that the total amount of debt for American households doubled between 2000 and 2007 to $14 trillion? Definitely not. Armed with clear and powerful evidence, Atif Mian and Amir Sufi reveal in House of Debt how the Great Recession and Great Depression, as well as less dramatic periods of economic malaise, were caused by a large run-up in household debt followed by a significantly large drop in household spending. Though the banking crisis captured the public’s attention, Mian and Sufi argue strongly with actual data that current policy is too heavily biased toward protecting banks and creditors. Increasing the flow of credit, they show, is disastrously counterproductive when the fundamental problem is too much debt. As their research shows, excessive household debt leads to foreclosures, causing individuals to spend less and save more. Less spending means less demand for goods, followed by declines in production and huge job losses. How do we end such a cycle? With a direct attack on debt, say Mian and Sufi. We can be rid of painful bubble-and-bust episodes only if the financial system moves away from its reliance on inflexible debt contracts. As an example, they propose new mortgage contracts that are built on the principle of risk-sharing, a concept that would have prevented the housing bubble from emerging in the first place. Thoroughly grounded in compelling economic evidence, House of Debt offers convincing answers to some of the most important questions facing today’s economy: Why do severe recessions happen? Could we have prevented the Great Recession and its consequences? And what actions are needed to prevent such crises going forward?
Download or read book Build Your Own Underwater Robot and Other Wet Projects written by Harry Bohm and published by . This book was released on 1997 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt: Includes index.
Download or read book Adventures Beneath the Sea written by Kenneth Mallory and published by Astra Publishing House. This book was released on 2010-10-01 with total page 49 pages. Available in PDF, EPUB and Kindle. Book excerpt: What would it be like to live sixty feet below the ocean waves? Author Ken Mallory and photographer Brian Skerry found out. They spent a week in the Aquarius underwater laboratory on a coral reef off the Florida Keys. They lived in cramped quarters. They went scuba diving every day—to study the fish of the reef and to use the underwater outhouse. They slept in bunks with the constant crackle of snapping shrimp coming through the shell of their underwater home. Skerry's photographs from the pages of National Geographic Magazine capture the stunning sights of a strange undersea habitat in this winner of the John Burroughs Nature Books for Young Readers Award.
Download or read book F the Banks written by Judson Crump and published by Judson Crump. This book was released on 2012-07-12 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you had the damned money, you'd have paid it all off by now.I know this. So instead of telling you ways to scrounge up enough money to pay off your debts, I hope to convince you not to pay anything you cannot afford. I want you to keep as much of your stuff as possible while paying as little as possible of your own hard-earned cash. Most books that claim to be about getting out of debt are really just about good old-fashioned financial prudence. This one is not.It's too late for that now. The Great Recession lingers, and even as our global financial institutions sit atop massive piles of taxpayer-funded bailout dollars, the ordinary people of America continue to struggle. Time for your bailout.Here is very simple, very practical, and most importantly a very realistic guide to the American legal process of enforcing debts. I am a debtor's lawyer. This is what I do. Everything in this book comes from personal experience. I have helped hundreds of clients solve every sort of financial problem that people can encounter, and I have packed all of these lessons into this book. If you ever wanted to know things like:What happens if you don't pay a debt?How do you fix broken credit?How can you keep your home from being foreclosed?What can I do about my student loans?Can they take my dog?Is bankruptcy a good idea or a horrible idea?What if I let the bank foreclose on my home?Will I ever be able to buy a car again?This book is for you.
