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: In this fun book, readers will learn about some of the places underwater creatures call home. Colorful photographs bring these amazing homes to life.
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 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 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 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 Babies written by Seth Casteel and published by Little, Brown. This book was released on 2015-04-07 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt: Babies as you've never seen them before, from New York Times bestselling author and photographer Seth Casteel Seth Casteel's innovative underwater photography has won him fans around the world. Now Casteel has turned his camera toward the only subjects who could rival his bestselling portraits of dogs and puppies for sheer adorable delight: babies. In what he has called some of the most exciting shoots of his career, Casteel has found a remarkable new way to capture the wonder and freedom babies feel when they're underwater. Chubby-cheeked, curious, and mischievous, these tiny swimmers remind us all of the joy of discovery -- and the irresistible beauty of babies.
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 Red Hot City written by Dan Immergluck and published by Univ of California Press. This book was released on 2022-10-11 with total page 341 pages. Available in PDF, EPUB and Kindle. Book excerpt: "A growth-above-all development ethos permeates the Atlanta region and is rooted in the city's twentieth-century expansion. Like some other booming Sunbelt metros, Atlanta has combined a continuing reliance on public-private partnerships and a state and regional planning and policy regime that excessively caters to capital, often at the expense of its poorer residents, who are predominantly Black and Latinx. As the city proper has become a hot commodity in the real estate arena and is no longer majority-Black, the region has inverted the late twentieth-century poor-in-the-core urban model to one where less affluent families face exclusion from the central city and more affluent suburbs and are pushed out to lower-income, sometimes quite distant suburbs, usually farther from mass transit, large public hospitals, and other essential services. At this writing, the Atlanta metropolitan area is the ninth-largest in the country and likely to climb into the eighth spot in the not-to-distant future. This book focuses on four key, interconnected themes in the evolution and restructuring of Atlanta in the twenty-first century. The first is the major racial and economic restructuring of the region's residential geography, including the city proper. A second theme of the book is the failure of the City of Atlanta to capture a significant share of a tremendous growth in local land values. A third theme of the book is the critical role of state government in constraining and enabling how development and redevelopment occurs and whether the interests of those most vulnerable to exclusion and displacement are given serious consideration. The final theme of the book, and its key overarching narrative, concerns the political economy of urban change and the presence of inflection points. These are periods during which particularly consequential policy decisions are made that have a disproportionate impact on the trajectories of a place and direct and long-lasting implications for racial and economic exclusion. The book's conclusion ties together many of the lessons from these chapters. It ends with discussing what recent political trends could mean for the development trajectory of, and continued exclusion in, the region. It also calls for avoiding a "market-inevitability" fatalism that suggests that nothing can be done to redirect or alter the sorts of trajectories described in the book. It reminds the reader that the events and consequences described are not simply the result of apolitical, atomistic market forces, but is shaped heavily by institutional actors and processes"--
Download or read book All We Can Save written by Ayana Elizabeth Johnson and published by One World. This book was released on 2021-07-20 with total page 449 pages. Available in PDF, EPUB and Kindle. Book excerpt: NATIONAL BESTSELLER • Provocative and illuminating essays from women at the forefront of the climate movement who are harnessing truth, courage, and solutions to lead humanity forward. “A powerful read that fills one with, dare I say . . . hope?”—The New York Times NAMED ONE OF THE BEST BOOKS OF THE YEAR BY SMITHSONIAN MAGAZINE There is a renaissance blooming in the climate movement: leadership that is more characteristically feminine and more faithfully feminist, rooted in compassion, connection, creativity, and collaboration. While it’s clear that women and girls are vital voices and agents of change for this planet, they are too often missing from the proverbial table. More than a problem of bias, it’s a dynamic that sets us up for failure. To change everything, we need everyone. All We Can Save illuminates the expertise and insights of dozens of diverse women leading on climate in the United States—scientists, journalists, farmers, lawyers, teachers, activists, innovators, wonks, and designers, across generations, geographies, and race—and aims to advance a more representative, nuanced, and solution-oriented public conversation on the climate crisis. These women offer a spectrum of ideas and insights for how we can rapidly, radically reshape society. Intermixing essays with poetry and art, this book is both a balm and a guide for knowing and holding what has been done to the world, while bolstering our resolve never to give up on one another or our collective future. We must summon truth, courage, and solutions to turn away from the brink and toward life-giving possibility. Curated by two climate leaders, the book is a collection and celebration of visionaries who are leading us on a path toward all we can save. With essays and poems by: Emily Atkin • Xiye Bastida • Ellen Bass • Colette Pichon Battle • Jainey K. Bavishi • Janine Benyus • adrienne maree brown • Régine Clément • Abigail Dillen • Camille T. Dungy • Rhiana Gunn-Wright • Joy Harjo • Katharine Hayhoe • Mary Annaïse Heglar • Jane Hirshfield • Mary Anne Hitt • Ailish Hopper • Tara Houska, Zhaabowekwe • Emily N. Johnston • Joan Naviyuk Kane • Naomi Klein • Kate Knuth • Ada Limón • Louise Maher-Johnson • Kate Marvel • Gina McCarthy • Anne Haven McDonnell • Sarah Miller • Sherri Mitchell, Weh’na Ha’mu Kwasset • Susanne C. Moser • Lynna Odel • Sharon Olds • Mary Oliver • Kate Orff • Jacqui Patterson • Leah Penniman • Catherine Pierce • Marge Piercy • Kendra Pierre-Louis • Varshini • Prakash • Janisse Ray • Christine E. Nieves Rodriguez • Favianna Rodriguez • Cameron Russell • Ash Sanders • Judith D. Schwartz • Patricia Smith • Emily Stengel • Sarah Stillman • Leah Cardamore Stokes • Amanda Sturgeon • Maggie Thomas • Heather McTeer Toney • Alexandria Villaseñor • Alice Walker • Amy Westervelt • Jane Zelikova
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 Homes on Water written by Alan James and published by Lerner Publications. This book was released on 1989 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: Describes differant homes near the water.
Download or read book Underwater Dogs Kids Edition written by Seth Casteel and published by Hachette UK. This book was released on 2013-09-24 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dive right into this kids edition of Seth Casteel's amazing Underwater Dogs. With colorful photographs of the cutest canines chasing after their favourite toys and hilarious, joyful rhymes, this is a special treat for kids and adults alike.
Download or read book The Real Crash written by Peter D. Schiff and published by Macmillan. This book was released on 2012-05-22 with total page 350 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bestselling financial author and economist Schiff warns of the inevitable bankruptcy facing America and lays out not only how the U.S. got here, but what our government can do about it.
Download or read book Trapped Under the Sea written by Neil Swidey and published by Crown. This book was released on 2014-02-18 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: The harrowing story of five men who were sent into a dark, airless, miles-long tunnel, hundreds of feet below the ocean, to do a nearly impossible job—with deadly results A quarter-century ago, Boston had the dirtiest harbor in America. The city had been dumping sewage into it for generations, coating the seafloor with a layer of “black mayonnaise.” Fisheries collapsed, wildlife fled, and locals referred to floating tampon applicators as “beach whistles.” In the 1990s, work began on a state-of-the-art treatment plant and a 10-mile-long tunnel—its endpoint stretching farther from civilization than the earth’s deepest ocean trench—to carry waste out of the harbor. With this impressive feat of engineering, Boston was poised to show the country how to rebound from environmental ruin. But when bad decisions and clashing corporations endangered the project, a team of commercial divers was sent on a perilous mission to rescue the stymied cleanup effort. Five divers went in; not all of them came out alive. Drawing on hundreds of interviews and thousands of documents collected over five years of reporting, award-winning writer Neil Swidey takes us deep into the lives of the divers, engineers, politicians, lawyers, and investigators involved in the tragedy and its aftermath, creating a taut, action-packed narrative. The climax comes just after the hard-partying DJ Gillis and his friend Billy Juse trade assignments as they head into the tunnel, sentencing one of them to death. An intimate portrait of the wreckage left in the wake of lives lost, the book—which Dennis Lehane calls "extraordinary" and compares with The Perfect Storm—is also a morality tale. What is the true cost of these large-scale construction projects, as designers and builders, emboldened by new technology and pressured to address a growing population’s rapacious needs, push the limits of the possible? This is a story about human risk—how it is calculated, discounted, and transferred—and the institutional failures that can lead to catastrophe. Suspenseful yet humane, Trapped Under the Sea reminds us that behind every bridge, tower, and tunnel—behind the infrastructure that makes modern life possible—lies unsung bravery and extraordinary sacrifice.
Download or read book From Foreclosure to Fair Lending written by Chester Hartman and published by NYU Press. This book was released on 2013-10-22 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: Well-known fair housing and fair lending activists and organizers examine the implications of the new wave of fair housing activism generated by Occupy Wall Street protests and the many successes achieved in fair housing and fair lending over the years. The book reveals the limitations of advocacy efforts and the challenges that remain. Best directions for future action are brought to light by staff of fair housing organizations, fair housing attorneys, community and labor organizers, and scholars who have researched social justice organizing and advocacy movements. The book is written for general interest and academic audiences. Contributors address the foreclosure crisis, access to credit in a changing marketplace, and the immoral hazards of big banks. They examine opportunities in collective bargaining available to homeowners and how low-income and minority households were denied access to historically low home prices and interest rates. Authors question the effectiveness of litigation to uphold the Fair Housing Act’s promise of nondiscriminatory home loans and ask how the Consumer Financial Protection Bureau is assuring fair lending. They also look at where immigrants stand, housing as a human right, and methods for building a movement. Chester Hartman is an urban planner, academic, author of more than twenty books, and director of research for the Poverty & Race Research Action Council. Gregory Squires is a professor of sociology, public policy, and public administration at George Washington University and advisor to the John Marshall Law School Fair Housing Legal Support Center.
Download or read book Introduction to Quantitative Reasoning written by Neil Simonetti and published by Linus Learning. This book was released on 2020 with total page 229 pages. Available in PDF, EPUB and Kindle. Book excerpt: Introduction to QR, Quantitative Reasoning and Discrete Mathematics was designed for the introductory college student who may not have fully understood mathematical concepts in secondary schools. With a focus on applications, this book is divided into small digestible pieces with lots of examples illustrating a variety of topics. Use the whole book for a two semester sequence, or pick and choose topics to make a single semester course. The most basic of algebra topics are reintroduced, with an emphasis on learning how to translate scenarios into problems that can be solved or modeled with linear functions. Scientific notation and significant figures are applied to problems involving unit conversion, including examples with the Consumer Price Index. The basics of personal finance are explained, including interest, loans, mortgages, and taxes. Statistical topics are introduced to give the students the ability to look critically at the myriad of numerical sound bites tossed out in today’s social media. Combinatorics and probability topics are introduced in a way to be accessible to students seeing the material for the first time. Logic and graph theory are used to solve some traditional types of games and puzzles. Applications are connected to issues in modern Christianity with references to 18th century philosopher Emanuel Swedenborg, including why Intelligent Design does not act as proof of God, and how random chance and Divine Providence work together. Each chapter ends with a project related to the chapter, often involving spreadsheet programs or website data collection. About the Author Neil Simonetti, PhD, Professor of Mathematics and Computer Science at Bryn Athyn College, has been teaching Mathematics, Computer Science and Operations Research courses for almost 20 years. He is committed to showing students who are afraid of mathematics that the basics of this subject do not have to be difficult and confusing. This work results from discovering what these students need in mathematics to succeed in business, science, and social science courses.
Download or read book The Smartest Money Book You ll Ever Read written by Daniel R. Solin and published by Penguin. This book was released on 2012-12-31 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: Stop working for your money—and put your money to work for you! Tens of thousands of readers trust Dan Solin’s advice when it comes to investing, managing their portfolios and their 401(k)s, and planning for retirement. Now Solin offers the smartest guide to money management and financial planning yet. From managing your debt, maximizing savings, and making smart decisions about home ownership (or not) to insurance, investing, and retirement, The Smartest Money Book You’ll Ever Read will be your guide to financial independence for a lifetime—and beyond. Written in the same no-nonsense style as his previous bestsellers, The Smartest Money Book You’ll Ever Read breaks financial planning and money management into bite-size pieces—with immediately actionable advice. Covering the key tasks in every area of personal finance, Solin shows you how to: • Analyze your money problems and get motivated to solve them • Get out of debt fast, and draw up a budget you can live on—and live with • Blow off useless commission-based advisors and learn to take control of your own financial future • Buy the health/life/disability/auto insurance you need—and only what you need • Invest so that—finally—your money works for you, not someone else Step by simple step, this is advice that you can actually understand and follow. You can avoid debt-addiction and other financial hazards, as well as learn to harness the power of the web to put your money to work. The Smartest Money Book You’ll Ever Read is recommended by Mint.com, the world’s largest free online financial planning site, for use by its members. However, all of the advice in this book is readily accessible to all readers.
