Download or read book Where Credit is Due written by Gregory Smith and published by Oxford University Press. This book was released on 2021-12-01 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: Borrowing is a crucial source of financing for governments all over the world. If they get it wrong, then debt crises can bring progress to a halt. But if it's done right, investment happens and conditions improve. African countries are seeking calmer capital, to raise living standards and give their economies a competitive edge. The African debt landscape has changed radically in the first two decades of the twenty-first century. Since the clean slate of extensive debt relief, states have sought new borrowing opportunities from international capital markets and emerging global powers like China. The new debt composition has increased risk, exacerbated by the 2020 coronavirus pandemic: richer countries borrowed at rock-bottom interest rates, while Africa faced an expensive jump in indebtedness. The escalating debt burden has provoked calls by the G20 for suspension of debt payments. But Africa's debt today is highly complex, and owed to a wider range of lenders. A new approach is needed, and could turn crisis into opportunity. Urgent action by both lenders and borrowers can reduce risk, while carefully preserving market access; and smart deployment of private finance can provide the scale of investment needed to achieve development goals and tackle the climate emergency.
Download or read book Credit Where It s Due written by Frederick F. Wherry and published by Russell Sage Foundation. This book was released on 2019-04-26 with total page 175 pages. Available in PDF, EPUB and Kindle. Book excerpt: An estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one’s ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit—who are disproportionately African American and Latino—often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people who are not recognized within the financial system engage in behaviors that indicate their credit worthiness. How might institutions acknowledge these practices and help these people emerge from the financial shadows? In Credit Where It’s Due, the authors evaluate an innovative model of credit-building and advocate for a new understanding of financial citizenship, or participation in a financial system that fosters social belonging, dignity, and respect. Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners. To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.
Download or read book Mike Mulligan and His Steam Shovel written by Virginia Lee Burton and published by Houghton Mifflin Harcourt. This book was released on 2010-06-28 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: A modern classic that no child should miss. Since it was first published in 1939, Mike Mulligan and His Steam Shovel has delighted generations of children. Mike and his trusty steam shovel, Mary Anne, dig deep canals for boats to travel through, cut mountain passes for trains, and hollow out cellars for city skyscrapers -- the very symbol of industrial America. But with progress come new machines, and soon the inseparable duo are out of work. Mike believes that Mary Anne can dig as much in a day as one hundred men can dig in a week, and the two have one last chance to prove it and save Mary Anne from the scrap heap. What happens next in the small town of Popperville is a testament to their friendship, and to old-fashioned hard work and ingenuity.
Download or read book Fool s Gold written by Gillian Tett and published by Simon and Schuster. This book was released on 2009-05-12 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: From award-winning Financial Times journalist Gillian Tett, who enraged Wall Street leaders with her news-breaking warnings of a crisis more than a year ahead of the curve, Fool’s Gold tells the astonishing unknown story at the heart of the 2008 meltdown. Drawing on exclusive access to J.P. Morgan CEO Jamie Dimon and a tightly bonded team of bankers known on Wall Street as the “Morgan Mafia,” as well as in-depth interviews with dozens of other key players, including Treasury Secretary Timothy Geithner, Tett brings to life in gripping detail how the Morgan team’s bold ideas for a whole new kind of financial alchemy helped to ignite a revolution in banking, and how that revolution escalated wildly out of control. The deeply reported and lively narrative takes readers behind the scenes, to the inner sanctums of elite finance and to the secretive reaches of what came to be known as the “shadow banking” world. The story begins with the intense Morgan brainstorming session in 1994 beside a pool in Boca Raton, where the team cooked up a dazzling new idea for the exotic financial product known as credit derivatives. That idea would rip around the banking world, catapult Morgan to the top of the turbocharged derivatives trade, and fuel an extraordinary banking boom that seemed to have unleashed banks from ages-old constraints of risk. But when the Morgan team’s derivatives dream collided with the housing boom, and was perverted—through hubris, delusion, and sheer greed—by titans of banking that included Citigroup, UBS, Deutsche Bank, and the thundering herd at Merrill Lynch—even as J.P. Morgan itself stayed well away from the risky concoctions others were peddling—catastrophe followed. Tett’s access to Dimon and the J.P. Morgan leaders who so skillfully steered their bank away from the wild excesses of others sheds invaluable light not only on the untold story of how they engineered their bank’s escape from carnage but also on how possible it was for the larger banking world, regulators, and rating agencies to have spotted, and heeded, the terrible risks of a meltdown. A tale of blistering brilliance and willfully blind ambition, Fool’s Gold is both a rare journey deep inside the arcane and wildly competitive world of high finance and a vital contribution to understanding how the worst economic crisis since the Great Depression was perpetrated.
Download or read book The Shadow of Vesuvius A Life of Pliny written by Daisy Dunn and published by Liveright Publishing. This book was released on 2019-12-10 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A wonderfully rich, witty, insightful, and wide-ranging portrait of the two Plinys and their world.”—Sarah Bakewell, author of How to Live When Pliny the Elder perished at Stabiae during the eruption of Vesuvius in 79 AD, he left behind an enormous compendium of knowledge, his thirty-seven-volume Natural History, and a teenaged nephew who revered him as a father. Grieving his loss, Pliny the Younger inherited the Elder’s notebooks—filled with pearls of wisdom—and his legacy. At its heart, The Shadow of Vesuvius is a literary biography of the younger man, who would grow up to become a lawyer, senator, poet, collector of villas, and chronicler of the Roman Empire from the dire days of terror under Emperor Domitian to the gentler times of Emperor Trajan. A biography that will appeal to lovers of Mary Beard books, it is also a moving narrative about the profound influence of a father figure on his adopted son. Interweaving the younger Pliny’s Letters with extracts from the Elder’s Natural History, Daisy Dunn paints a vivid, compellingly readable portrait of two of antiquity’s greatest minds.
Download or read book Practical Charting Techniques written by Mary Eleanor Spear and published by McGraw-Hill Companies. This book was released on 1969 with total page 424 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 Where Credit is Due written by John Powell and published by University Press of America. This book was released on 2013-11-21 with total page 403 pages. Available in PDF, EPUB and Kindle. Book excerpt: While much recent attention has been focused on the subprime lending and foreclosure crisis, little has been said about its radically-disparate impact. Drawing upon history as well as insight into the current crisis, this book shows that this crisis is not an anomaly, especially for people of color; nor is it over. People of color have been excluded from wealth-building opportunities via homeownership continuously throughout United States history, from the outright denial of credit and residential racial discrimination, to federally-sponsored urban renewal programs. The subprime lending and foreclosure crisis is predicted to strip a quarter of a trillion dollars in wealth from black and Latino homeowners. It has reversed home ownership gains for people of color and has decimated neighborhoods across the United States while impacting local, regional, national, and international economies. The consequences are devastating. This collection of essays provides a framework for creating equitable policy and ultimately building more stable communities for all Americans.
Download or read book Cambridge Advanced Learner s Dictionary written by Kate Woodford and published by . This book was released on 2003 with total page 1550 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Cambridge Advanced Learner's Dictionary is the ideal dictionary for advanced EFL/ESL learners. Easy to use and with a great CD-ROM - the perfect learner's dictionary for exam success. First published as the Cambridge International Dictionary of English, this new edition has been completely updated and redesigned. - References to over 170,000 words, phrases and examples explained in clear and natural English - All the important new words that have come into the language (e.g. dirty bomb, lairy, 9/11, clickable) - Over 200 'Common Learner Error' notes, based on the Cambridge Learner Corpus from Cambridge ESOL exams Plus, on the CD-ROM: - SMART thesaurus - lets you find all the words with the same meaning - QUICKfind - automatically looks up words while you are working on-screen - SUPERwrite - tools for advanced writing, giving help with grammar and collocation - Hear and practise all the words.
Download or read book Well Spent written by Mr.Gerd Schwartz and published by International Monetary Fund. This book was released on 2020-09-03 with total page 344 pages. Available in PDF, EPUB and Kindle. Book excerpt: Drawing on the Fund’s analytical and capacity development work, including Public Investment Management Assessments (PIMAs) carried out in more than 60 countries, the new book Well Spent: How Strong Infrastructure Governance Can End Waste in Public Investment will address how countries can attain quality infrastructure outcomes through better infrastructure governance—an issue becoming increasingly important in the context of the Great Lockdown and its economic consequences. It covers critical issues such as infrastructure investment and Sustainable Development Goals, controlling corruption, managing fiscal risks, integrating planning and budgeting, and identifying best practices in project appraisal and selection. It also covers emerging areas in infrastructure governance, such as maintaining and managing public infrastructure assets and building resilience against climate change.
Download or read book Engineering Research Methodology written by Dipankar Deb and published by Springer. This book was released on 2018-12-14 with total page 105 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book covers all the important aspects of research methodology, and addresses the specific requirements of engineering students, such as methods and tools, in detail. It also discusses effective research in engineering today, which requires the ability to undertake literature reviews utilizing different online databases, to attribute credit for any prior work mentioned, to respect intellectual property rights while simultaneously maintaining ethics in research, and much more. Further, the book also considers soft skills like research management and planning, dealing with criticism in research and presentation skills, which are all equally important and need to include in research methodology education. Lastly, it provides the technical knowhow needed to file patents in academia, an important area that is often ignored in research methodology books. The book is a particularly valuable resource for PhD students in India and South East Asia, as research methodology is a part of their coursework.
Download or read book Marmee Louisa written by Eve LaPlante and published by Simon and Schuster. This book was released on 2013-11-19 with total page 384 pages. Available in PDF, EPUB and Kindle. Book excerpt: Originally published: New York: Free Press, 2012.
Download or read book Alone Together written by Sherry Turkle and published by Basic Books. This book was released on 2017-11-07 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Savvy and insightful." --New York Times Technology has become the architect of our intimacies. Online, we fall prey to the illusion of companionship, gathering thousands of Twitter and Facebook friends, and confusing tweets and wall posts with authentic communication. But this relentless connection leads to a deep solitude. MIT professor Sherry Turkle argues that as technology ramps up, our emotional lives ramp down. Based on hundreds of interviews and with a new introduction taking us to the present day, Alone Together describes changing, unsettling relationships between friends, lovers, and families.
Download or read book Einstein s Wife written by Allen Esterson and published by MIT Press. This book was released on 2020-02-25 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: The real-life story behind Marie Benedict’s The Other Einstein—a fascinating profile of mathematician Mileva Einstein-Marić and her contributions to her husband’s scientific discoveries. Albert Einstein’s first wife, Mileva Einstein-Marić, was forgotten for decades. When a trove of correspondence between them beginning in their student days was discovered in 1986, her story began to be told. Some of the tellers of the “Mileva Story” made startling claims: that she was a brilliant mathematician who surpassed her husband, and that she made uncredited contributions to his most celebrated papers in 1905, including his paper on special relativity. This book, based on extensive historical research, uncovers the real “Mileva Story.” Mileva was one of the few women of her era to pursue higher education in science; she and Einstein were students together at the Zurich Polytechnic. Mileva’s ambitions for a science career, however, suffered a series of setbacks—failed diploma examinations, a disagreement with her doctoral dissertation adviser, an out-of-wedlock pregnancy by Einstein. She and Einstein married in 1903 and had two sons, but the marriage failed. So was Mileva her husband’s uncredited coauthor, unpaid assistant, or his essential helpmeet? It’s tempting to believe that she was her husband’s secret collaborator, but the authors of Einstein's Wife look at the actual evidence, and a chapter by Ruth Lewin Sime offers important historical context. The story they tell is that of a brave and determined young woman who struggled against a variety of obstacles at a time when science was not very welcoming to women. Given the barriers women in science still face, [Mileva’s] story remains relevant.” —Washington Post
Download or read book Shakespeare After All written by Marjorie Garber and published by Anchor. This book was released on 2008-11-19 with total page 1010 pages. Available in PDF, EPUB and Kindle. Book excerpt: A brilliant and companionable tour through all thirty-eight plays, Shakespeare After All is the perfect introduction to the bard by one of the country’s foremost authorities on his life and work. Drawing on her hugely popular lecture courses at Yale and Harvard over the past thirty years, Marjorie Garber offers passionate and revealing readings of the plays in chronological sequence, from The Two Gentlemen of Verona to The Two Noble Kinsmen. Supremely readable and engaging, and complete with a comprehensive introduction to Shakespeare’s life and times and an extensive bibliography, this magisterial work is an ever-replenishing fount of insight on the most celebrated writer of all time.
Download or read book The Word on College Reading and Writing written by Carol Burnell and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: An interactive, multimedia text that introduces students to reading and writing at the college level.
Download or read book International Convergence of Capital Measurement and Capital Standards written by and published by Lulu.com. This book was released on 2004 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt:
