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Author: Devin Fergus
Publisher: Oxford University Press
ISBN: 0199970173
Category : Business & Economics
Languages : en
Pages : 265
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Book Description
The loans ordinary Americans take out to purchase homes and attend college often leave them in a sea of debt. As Devin Fergus explains in Land of the Fee, a not-insignificant portion of that debt comes in the form of predatory hidden fees attached to everyday transactions. Beginning in the 1980s, lobbyists for the financial industry helped dismantle consumer protections, resulting in surreptitious fees-often waived for those who can afford them but not for those who can't. Bluntly put, these hidden fees unfairly keep millions of Americans from their hard-earned money. Journalists and policymakers have identified the primary causes of increasing wealth inequality-fewer good working class jobs, a rise in finance-driven speculative capitalism, and a surge of tax policy decisions that benefit the ultra-rich, among others. However, they miss one commonplace but substantial contributor to the widening divide between the rich and the rest: the explosion of fees on every transaction people make in their daily lives. Land of the Fee traces the system of fees from its origins in the deregulatory wave of the late 1970s to the present. The average consumer now pays a dizzying array of charges for mortgage contracts, banking transactions, auto insurance rates, college payments, and payday loans. These fees are buried in the pages of small-print agreements that few consumers read or understand. Because these fees do not fall under usury laws, they have redistributed wealth to large corporations and their largest shareholders. By exposing this predatory and nearly invisible system of fees, Land of the Fee reshapes our understanding of wealth inequality in America.
Author: Devin Fergus
Publisher: Oxford University Press
ISBN: 0199970173
Category : Business & Economics
Languages : en
Pages : 265
Get Book Here
Book Description
The loans ordinary Americans take out to purchase homes and attend college often leave them in a sea of debt. As Devin Fergus explains in Land of the Fee, a not-insignificant portion of that debt comes in the form of predatory hidden fees attached to everyday transactions. Beginning in the 1980s, lobbyists for the financial industry helped dismantle consumer protections, resulting in surreptitious fees-often waived for those who can afford them but not for those who can't. Bluntly put, these hidden fees unfairly keep millions of Americans from their hard-earned money. Journalists and policymakers have identified the primary causes of increasing wealth inequality-fewer good working class jobs, a rise in finance-driven speculative capitalism, and a surge of tax policy decisions that benefit the ultra-rich, among others. However, they miss one commonplace but substantial contributor to the widening divide between the rich and the rest: the explosion of fees on every transaction people make in their daily lives. Land of the Fee traces the system of fees from its origins in the deregulatory wave of the late 1970s to the present. The average consumer now pays a dizzying array of charges for mortgage contracts, banking transactions, auto insurance rates, college payments, and payday loans. These fees are buried in the pages of small-print agreements that few consumers read or understand. Because these fees do not fall under usury laws, they have redistributed wealth to large corporations and their largest shareholders. By exposing this predatory and nearly invisible system of fees, Land of the Fee reshapes our understanding of wealth inequality in America.
Author: Charles W. Johnson
Publisher: Wavecloud Corporation
ISBN: 9781535603591
Category : Political Science
Languages : en
Pages : 188
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Book Description
The America dream has become an American nightmare for the majority of US Citizens. We must find a way to reverse the trend, so that America can live up to the ideals that the founding fathers espoused over two hundred years ago. Capitalism hasn't worked for the majority of people on this planet. It time to investigate other economic systems and create a system that works for everyone. This book explores other options that would produce a more equitable society. We have to eliminate racism and classism. And the best way to do that is to eliminate Capitalism. The obscene salaries paid to some of the top CEOs of major corporations should be illegal. But, in the Land of the Free it's not only legal, it's actually encouraged. "We The People" have to rise up, reclaim our birthright, and bring common sense back into the American landscape. In the African-American community, we have to fight for the basic rights that every other race on the planet takes for granted. And we will fight until we either succeed or die trying!!! -Charles W. Johnson
Author: Ray F. Brokken
Publisher:
ISBN:
Category : Fees, Administrative
Languages : en
Pages : 84
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Book Description
Author: United States. Congress. House. Committee on Interior and Insular Affairs. Subcommittee on Indian Affairs and Public Lands
Publisher:
ISBN:
Category : Grazing
Languages : en
Pages : 208
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Book Description
Author: Great Britain
Publisher:
ISBN:
Category : Conveyancing
Languages : en
Pages : 128
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Book Description
Author:
Publisher:
ISBN:
Category : Conservation of natural resources
Languages : en
Pages : 52
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Book Description
Author: Great Britain. Public Record Office
Publisher:
ISBN:
Category : Inquisitiones post mortem
Languages : en
Pages : 784
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Book Description
Author: United States. Bureau of Land Management. Rio Puerco Resource Area
Publisher:
ISBN:
Category : Conservation of natural resources
Languages : en
Pages : 106
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Book Description
Author: Martin George
Publisher:
ISBN: 0198828020
Category : Business & Economics
Languages : en
Pages : 607
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Book Description
'Thompson's Modern Land Law' is a core textbook providing students with a clear understanding of the principles of the subject. It analyses the social context of modern land law and the policy tensions to which it gives rise.
Author: Margery Fee
Publisher: Reaktion Books
ISBN: 178914177X
Category : Nature
Languages : en
Pages : 225
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Book Description
Polar bears are truly majestic animals: the largest land-dwelling carnivore on earth, these white-furred, black-skinned giants can measure up to three meters in length and weigh up to fifteen hundred pounds. They are also iconic in other ways. They are a symbol of the climate change debate, with their survival now threatened by the loss of Arctic ice, and their images decorate fountains and the cornices of buildings across the world. They sell cold drinks. They feature in children’s books, on merry-go-rounds, and under the arms of weary toddlers heading for bed. Their pelts were once highly prized by hunters, and live captures became attractions in zoos and circuses. Stuffed bears still haunt museums and stately homes. In this natural and cultural history of the polar bear, Margery Fee explores the evolution, species, habitat, and behavior of the animal, as well as its portrayal in art, literature, film, and advertising. Illustrated throughout, Polar Bear will beguile anyone who loves these outsize, beautiful, seemingly cuddly, yet deadly carnivores.
