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Author: Signe-Mary McKernan
Publisher: The Urban Insitute
ISBN: 9780877667544
Category : Business & Economics
Languages : en
Pages : 304
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Book Description
Low-income families have scant savings to cushion a job loss or illness, and can find economic mobility impossible without funds to invest in education, homes, or businesses. And though a lack of resources leaves such families vulnerable, income-support programs are often closed to those with a bit of savings or even a car. Considering welfare-to-work reforms, the increasingly advanced skill demands of the American workforce, and our stretched Social Security system, such an approach is inadequate to lift families out of poverty. Asset-based policies--allowing or even helping low-income families build wealth--are an increasingly popular strategy to facilitate financial stability.
Author: Signe-Mary McKernan
Publisher: The Urban Insitute
ISBN: 9780877667544
Category : Business & Economics
Languages : en
Pages : 304
Get Book Here
Book Description
Low-income families have scant savings to cushion a job loss or illness, and can find economic mobility impossible without funds to invest in education, homes, or businesses. And though a lack of resources leaves such families vulnerable, income-support programs are often closed to those with a bit of savings or even a car. Considering welfare-to-work reforms, the increasingly advanced skill demands of the American workforce, and our stretched Social Security system, such an approach is inadequate to lift families out of poverty. Asset-based policies--allowing or even helping low-income families build wealth--are an increasingly popular strategy to facilitate financial stability.
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
ISBN:
Category : Credit analysis
Languages : en
Pages : 236
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Book Description
Author: Jeremy Snyder
Publisher: Oxford University Press
ISBN: 0197501281
Category : Medical
Languages : en
Pages : 349
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Book Description
We often hear stories of people in terrible and seemingly intractable situations who are preyed upon by someone offering promises of help. Frequently these cases are condemned in terms of "exploiting hope." These accusations are made in a range of contexts: human smuggling, employment relationships, unproven medical 'cures.' We hear this concept so often and in so many contexts that, with all its heavy lifting in public discourse, its actual meaning tends to lose focus. Despite its common use, it can be hard to understand precisely what is wrong about exploiting hope what can accurately be captured under this concept, and what should be done. In this book, philosopher Jeremy Snyder offers an in-depth study of hope's exploitation. First, he examines the concept in the abstract, including a close look at how this term is used in the popular press and analysis of the concepts of exploitation and hope. This theory-based section culminates in a definitive account of what it is to exploit hope, and when and why doing so is morally problematic. The second section of the book examines the particularly dangerous cases in which unproven medical interventions target the most vulnerable: for example, participants in clinical trials, purchasing unproven stem cell interventions, "right to try" legislation, and crowdfunding for unproven medical interventions. This book is essential reading for ethical theorists, policymakers, and health researchers, on a topic of growing visibility and importance.
Author: Lisa Servon
Publisher: Houghton Mifflin Harcourt
ISBN: 0544611187
Category : Social Science
Languages : en
Pages : 264
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Book Description
Why Americans are fleeing our broken banking system: “Startling and absorbing…Required reading for fans of muckraking authors like Barbara Ehrenreich.”—Publishers Weekly (starred review) What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twentysomething graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their lower- and middle-income customers while serving only the wealthiest Americans. Lisa Servon delivers a stunning indictment of America’s banks, together with eye-opening dispatches from inside a range of banking alternatives that have sprung up to fill the void. She works as a teller at RiteCheck, a check-cashing business in the South Bronx, and as a payday lender in Oakland. She looks closely at the workings of a tanda, an informal lending club. And she delivers engaging, hopeful portraits of the entrepreneurs reacting to the unbanking of America by designing systems to creatively serve those outside the one percent. “Valuable evidence on the fragility of the personal economies of most Americans these days.”—Kirkus Reviews “An intelligent plea for financial justice…[An] excellent book.”—The Christian Science Monitor
Author: Kristin A. Sherry
Publisher: Black Rose Writing
ISBN: 1684336368
Category : Self-Help
Languages : en
Pages : 447
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Book Description
"365 is your playbook to shift your mindset and creatively solve problems to improve your life in the most important areas." –Beth Comstock, author, Imagine It Forward and Forbes' Top 100 Most Powerful Women Maximize 365 will guide you to increased personal growth, satisfaction, and success. Daily tips in the areas of relationships, health and wellness, career, finances, and spirituality will help you level up your life. International bestselling author Kristin A. Sherry contributes over a decade of executive and career coaching expertise along with a treasure chest of actionable advice from additional experts. Each daily topic is supported by an inspiring quote and specific ideas for action to realize immediate progress. From building wealth and passive income, productive approaches to conflict, discovering your purpose and leaving a legacy, to advancing your career, and a wide range of topics in between, Maximize 365 will help you transform and grow the vital areas of your life.
Author: Richard Vague
Publisher: John Wiley & Sons
ISBN: 1509548742
Category : Political Science
Languages : en
Pages : 75
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Book Description
We were drowning in in record levels of debt before the COVID-19 crisis, and we are now deluged in it. U.S. private-sector loans have tripled relative to income since 1950 – and government debt is also at an all-time high. Soaring debt burdens individuals, stifles growth, compounds inequality, and brings falling living standards for millions. Richard Vague’s new book argues that, contrary to mainstream assumptions, we cannot simply hope that the trend will correct itself. Mounting debt is a feature of our economic system, not a bug: debts perpetually grow and compound, polarizing and impoverishing economies if not overtly dealt with. He offers a detailed plan for how we can restructure a range of debts – such as student loans, auto loans, medical debt and more – and offer hard-pressed debtors a ‘jubilee’ now, not in some utopian future. Vague’s bold polemic contains a wealth of ideas that will free millions from modern-day debt peonage, reduce inequality and bring new vigor to the economy as it struggles to emerge from the pandemic.
Author: Mary F.E. Ebeling
Publisher: Univ of California Press
ISBN: 0520307720
Category : Law
Languages : en
Pages : 218
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Book Description
Introduction: data lives on -- Tracing life through data -- Building trust where data divides -- Collecting life -- Mobilizing alternative data -- On scoring life -- Data visibilities -- Epilogue: afterlife.
Author: Matthew A. Butkus
Publisher: Gegensatz Press
ISBN: 1621308014
Category : Medical
Languages : en
Pages : 544
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Book Description
Drawing from clinical experience, philosophy, psychology, and current health law and policy, Biomedical Ethics and Decision-Making is a detailed survey of persistent issues in health care ethics, emphasizing the complexities and nuances of practical decision-making and yielding a multifaceted and systematic approach to solving problems. As a useful resource for both students and clinicians, it includes references for further exploration of ethical issues as well as provocative questions for discussion in classroom and clinical settings. As a textbook, it stands alongside such standard works as Beauchamp's and Childress's Principles of Biomedical Ethics; DeGrazia's, Mappes's, and Ballard's Biomedical Ethics; Munson's Intervention and Reflection; and Vaughn's Bioethics. Besides presenting current dilemmas in health care, it reviews elements of cognitive psychology, describes common errors in critical thinking, offers techniques for evaluating and integrating evidence into ethical reasoning, assesses professionals and professionalism, invites readers to dissect philosophical analyses to bolster their critical thinking skills, and provides opportunities to engage in self-reflection on contemporary challenges in health care policy and delivery.
Author: Thomas A. Durkin
Publisher:
ISBN: 0195169921
Category : Business & Economics
Languages : en
Pages : 737
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Book Description
Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Author: Lara Goitein
Publisher: Rowman & Littlefield
ISBN: 1538153955
Category : Health & Fitness
Languages : en
Pages : 239
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Book Description
ICU events are not uncommon but knowing what to do when a loved one is placed there is. This work explores the ICU with an eye toward guiding families to getting the best care for their beloved patient Intensive care will touch almost all of us at some point – whether directly, or through our families and or friends. This book is for every family of patients in the ICU, who have suddenly entered an intimidating and alien world, in which they feel powerless and out of control. In simple, direct language, Lara Goitein, MD, gives clear explanations of all aspects of intensive care – what all those lines and tubes are; common conditions such as sepsis and acute respiratory distress syndrome (ARDS); physical changes in patients and what they mean; common procedures and their risks and benefits; and the people and the culture of the ICU. One full section of the book is devoted to Covid-19-specific issues. In addition, the book provides concrete advice for how family members can be effective advocates on behalf of their loved ones –what to know before giving consent for procedures, how to interact with ICU staff, how to help the ICU team guard against common complications of ICU care, and how to approach important decisions about end-of-life care. Along the way, the author gently reminds of us of what, in the end, matters most in the ICU. For readers who may be distracted and exhausted, this is a clear, accessible guide with concrete recommendations for getting the best care and asking the right questions along the way. A compassionate resource in a time of extreme stress, this book offers support to anyone touched by an ICU stay.
