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Author: Price V. Fishback
Publisher: University of Chicago Press
ISBN: 022608258X
Category : Business & Economics
Languages : en
Pages : 190
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Book Description
The urgent demand for housing after World War I fueled a boom in residential construction that led to historic peaks in home ownership. Foreclosures at the time were rare, and when they did happen, lenders could quickly recoup their losses by selling into a strong market. But no mortgage system is equipped to deal with credit problems on the scale of the Great Depression. As foreclosures quintupled, it became clear that the mortgage system of the 1920s was not up to the task, and borrowers, lenders, and real estate professionals sought action at the federal level. Well Worth Saving tells the story of the disastrous housing market during the Great Depression and the extent to which an immensely popular New Deal relief program, the Home Owners’ Loan Corporation (HOLC), was able to stem foreclosures by buying distressed mortgages from lenders and refinancing them. Drawing on historical records and modern statistical tools, Price Fishback, Jonathan Rose, and Kenneth Snowden investigate important unanswered questions to provide an unparalleled view of the mortgage loan industry throughout the 1920s and early ’30s. Combining this with the stories of those involved, the book offers a clear understanding of the HOLC within the context of the housing market in which it operated, including an examination of how the incentives and behaviors at play throughout the crisis influenced the effectiveness of policy. More than eighty years after the start of the Great Depression, when politicians have called for similar programs to quell the current mortgage crisis, this accessible account of the Home Owners’ Loan Corporation holds invaluable lessons for our own time.
Author: Price V. Fishback
Publisher: University of Chicago Press
ISBN: 022608258X
Category : Business & Economics
Languages : en
Pages : 190
Get Book Here
Book Description
The urgent demand for housing after World War I fueled a boom in residential construction that led to historic peaks in home ownership. Foreclosures at the time were rare, and when they did happen, lenders could quickly recoup their losses by selling into a strong market. But no mortgage system is equipped to deal with credit problems on the scale of the Great Depression. As foreclosures quintupled, it became clear that the mortgage system of the 1920s was not up to the task, and borrowers, lenders, and real estate professionals sought action at the federal level. Well Worth Saving tells the story of the disastrous housing market during the Great Depression and the extent to which an immensely popular New Deal relief program, the Home Owners’ Loan Corporation (HOLC), was able to stem foreclosures by buying distressed mortgages from lenders and refinancing them. Drawing on historical records and modern statistical tools, Price Fishback, Jonathan Rose, and Kenneth Snowden investigate important unanswered questions to provide an unparalleled view of the mortgage loan industry throughout the 1920s and early ’30s. Combining this with the stories of those involved, the book offers a clear understanding of the HOLC within the context of the housing market in which it operated, including an examination of how the incentives and behaviors at play throughout the crisis influenced the effectiveness of policy. More than eighty years after the start of the Great Depression, when politicians have called for similar programs to quell the current mortgage crisis, this accessible account of the Home Owners’ Loan Corporation holds invaluable lessons for our own time.
Author: Charles W. Thompson
Publisher: Xlibris Corporation
ISBN: 1483624846
Category : Literary Criticism
Languages : en
Pages : 155
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Book Description
The books premise spells out the dangers which our republic has encountered and how the 21st century presents new hurdles to surmount and reclaim our democracy. The author focuses on 10 conditions which have eroded representative government and offers proposals to cement public control over government. Among the problems there has been a slow, insidious alteration in methods for the selection of representatives which are encapsulated in the words gerrymandered electoral districts and representatives for sale. Results of this condition are legal breaks, tax loopholes and regulatory exemptions favoring a few. This problem is exacerbated by the publics disenchantment with politics. Added to the problem are growing trends in our social mores which reveals more attention to good times than social obligations of citizenship and reflected in the low voting rates of eligible voters. The author points out how history repeats itself and how internal divisiveness destroys national unity. Stressed throughout the book is the vital nature for universal education and how the vast wealth of intellectual ability in our nation has been overlooked. The book also points out the difficulty for people to realize how vastly different the 21st century is when compared only to the lives of our great-grandfathers. The growth of multinational corporations and the rise of State Capitalism alters concepts of free competitive enterprise which faces daunting challenges for survival. The growth of our nation and the free movement of people have resulted in nearly one in three Americans living in four states but our representative system is still tied to 1789. Significant suggestions are also proffered to protect the independence of our judiciary. The author offers several proposals for consideration to redeem and enhance our republic; why our governmental units, federal, state, county and city must be aligned to achieve our purpose to improve and protect the human condition and liberty. A significant point is made of the importance of our experiment in democracy for the world.
Author: Sandi Ward
Publisher: Kensington Books
ISBN: 1496711149
Category : Fiction
Languages : en
Pages : 322
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Book Description
“The family pets see so much more than anyone realizes in this family drama . . . Told with empathy and hope” by the author of What Holds Us Together (Booklist). A boy and his cat. It’s an unconventional friendship, perhaps, but for Charlie and Lily, it works beautifully. It was Charlie who chose Lily from among all the cats in the shelter. He didn’t frown, the way other humans did, when he saw her injured back leg, the legacy of a cruel previous owner. Instead, Charlie insisted on rescuing her. Now Lily wants to do the same for Charlie. She’s the only one who’s seen the bruises on Charlie’s body. If she knew who was hurting him, she’d scratch their eyes out. But she can’t fix this by herself. Lily needs to get the rest of the family to focus on Charlie—not easy when they’re wrapped up in their own problems. Charlie’s mother kicked his father out weeks ago and has a new boyfriend who seems charming, but is still a stranger. Oldest son Kevin misses his father desperately. Victoria, Charlie’s sister, also has someone new in her life, and Lily is decidedly suspicious. Even Charlie’s father, who Lily loves dearly, is behaving strangely. Lily knows what it’s like to feel helpless. But she also knows that you don’t always have to be the biggest or the strongest to fight fiercely for the ones you love . . . “Powerful and smartly written, Ward explores the intricate workings of family life with a compassionate touch and unflinching honesty.”—Lisa Duffy, author of My Kind of People
Author: Laurel Leff
Publisher: Yale University Press
ISBN: 0300243871
Category : Education
Languages : en
Pages : 368
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Book Description
"A harrowing account of the profoundly consequential decisions American universities made about refugee scholars from Nazi-dominated Europe. The United States' role in saving Europe's intellectual elite from the Nazis is often told as a tale of triumph, which in many ways it was. America welcomed Albert Einstein and Enrico Fermi, Hannah Arendt and Herbert Marcuse, Rudolf Carnap and Richard Courant, among hundreds of other physicists, philosophers, mathematicians, historians, chemists, and linguists who transformed the American academy. Yet for every scholar who survived and thrived, many, many more did not. To be hired by an American university, a refugee scholar had to be world-class and well connected, not too old and not too young, not too right and not too left and, most important, not too Jewish. Those who were unable to flee were left to face the horrors of the Holocaust. In this rigorously researched book, Laurel Leff rescues from obscurity scholars who were deemed "not worth saving" and tells the riveting, full story of the hiring decisions universities made during the Nazi era."--Provided by publisher.
Author: Theodore Dreiser
Publisher:
ISBN:
Category : Democracy
Languages : en
Pages : 304
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Book Description
"Points out the dangerous speed at which we are drifting into war without a full and rank discussion of the necessity or desirability of this step for us as a democratic people" -- Dust jacket.
Author: Barry Leonard
Publisher: DIANE Publishing
ISBN: 9781422319024
Category : Business & Economics
Languages : en
Pages : 32
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Book Description
Many people mistakenly believe that Social Security (SS) will pay for all or most of their retire. needs, but the fact is, since its inception, SS has provided little protection. A comfortable retire. usually requires SS, pensions, personal savings & invest. The key tool for making a secure retire. a reality is financial planning. It will help clarify your retire. goals as well as other financial goals you want to ¿buy¿ along the way. It will show you how to manage your money so you can afford today¿s needs yet still fund tomorrow¿s. You¿ll learn how to save your money to make it work for you & how to protect it so it will be there when you need it. Explains how you can take the best advantage of retire. plans at work, & what to do if you¿re on your own. Illustrations.
Author: William J. Bennett
Publisher: Thomas Nelson
ISBN: 159555422X
Category : Religion
Languages : en
Pages : 298
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Book Description
For many students, a bachelor's degree is considered the golden ticket to a more financially and intellectually fulfilling life. But the disturbing reality is that debt, unemployment, and politically charged pseudo learning are more likely outcomes for many college students today than full-time employment and time-honored knowledge. This raises the question: is college still worth it? Who is responsible for debt-saddled, undereducated students, and how do future generations of students avoid the same problems? In a time of economic uncertainty, what majors and schools will produce competitive graduates? Is College Worth It? uses personal experience, statistical analysis, and real-world interviews to provide answers to some of the most troubling social and economic problems of our time.
Author: Matthew Stewart
Publisher: Simon and Schuster
ISBN: 1982114207
Category : Social Science
Languages : en
Pages : 352
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Book Description
A “brilliant” (The Washington Post), “clear-eyed and incisive” (The New Republic) analysis of how the wealthiest group in American society is making life miserable for everyone—including themselves. In 21st-century America, the top 0.1% of the wealth distribution have walked away with the big prizes even while the bottom 90% have lost ground. What’s left of the American Dream has taken refuge in the 9.9% that lies just below the tip of extreme wealth. Collectively, the members of this group control more than half of the wealth in the country—and they are doing whatever it takes to hang on to their piece of the action in an increasingly unjust system. They log insane hours at the office and then turn their leisure time into an excuse for more career-building, even as they rely on an underpaid servant class to power their economic success and satisfy their personal needs. They have segregated themselves into zip codes designed to exclude as many people as possible. They have made fitness a national obsession even as swaths of the population lose healthcare and grow sicker. They have created an unprecedented demand for admission to elite schools and helped to fuel the dramatic cost of higher education. They channel their political energy into symbolic conflicts over identity in order to avoid acknowledging the economic roots of their privilege. And they have created an ethos of “merit” to justify their advantages. They are all around us. In fact, they are us—or what we are supposed to want to be. In this “captivating account” (Robert D. Putnam, author of Bowling Alone), Matthew Stewart argues that a new aristocracy is emerging in American society and it is repeating the mistakes of history. It is entrenching inequality, warping our culture, eroding democracy, and transforming an abundant economy into a source of misery. He calls for a regrounding of American culture and politics on a foundation closer to the original promise of America.
Author: United States. Life-Saving Service
Publisher:
ISBN:
Category :
Languages : en
Pages : 472
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Book Description
Author: United States. President
Publisher:
ISBN:
Category : Presidents
Languages : en
Pages : 1364
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Book Description
