Author: Price V. Fishback
Publisher: University of Chicago Press
ISBN: 022608258X
Category : Business & Economics
Languages : en
Pages : 190
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.
Well Worth Saving
Author: Price V. Fishback
Publisher: University of Chicago Press
ISBN: 022608258X
Category : Business & Economics
Languages : en
Pages : 190
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.
Publisher: University of Chicago Press
ISBN: 022608258X
Category : Business & Economics
Languages : en
Pages : 190
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.
Something Worth Saving
Author: Sandi Ward
Publisher: Kensington Books
ISBN: 1496711149
Category : Fiction
Languages : en
Pages : 322
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
Publisher: Kensington Books
ISBN: 1496711149
Category : Fiction
Languages : en
Pages : 322
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
A World Worth Saving
Author: George Hovaness Donigian
Publisher: Upper Room Books
ISBN: 0835812138
Category : Religion
Languages : en
Pages : 95
Book Description
God thinks the world is worth saving. When we are close to God, we too will want to save the world. For anyone who dismisses Lent as a seemingly endless time of self-sacrifice and introspection, this 6-week study for Lent offers a breath of fresh air. It connects prayer and other inner spiritual practices with outward actions of mercy and compassion. George Donigian guides you to grow in your prayer life by praying about daily news reports, discovering the needs around you, and responding with love and compassion. You will discover ways to: serve others feed the hungry seek justice and fight injustice offer healing extend friendship The author's conversational style and use of well-known hymn texts will engage you in this energizing Lenten study. This book includes exercises for spiritual growth, questions for reflection, and a Leader's Guide for small groups
Publisher: Upper Room Books
ISBN: 0835812138
Category : Religion
Languages : en
Pages : 95
Book Description
God thinks the world is worth saving. When we are close to God, we too will want to save the world. For anyone who dismisses Lent as a seemingly endless time of self-sacrifice and introspection, this 6-week study for Lent offers a breath of fresh air. It connects prayer and other inner spiritual practices with outward actions of mercy and compassion. George Donigian guides you to grow in your prayer life by praying about daily news reports, discovering the needs around you, and responding with love and compassion. You will discover ways to: serve others feed the hungry seek justice and fight injustice offer healing extend friendship The author's conversational style and use of well-known hymn texts will engage you in this energizing Lenten study. This book includes exercises for spiritual growth, questions for reflection, and a Leader's Guide for small groups
Well Worth Saving
Author: Laurel Leff
Publisher: Yale University Press
ISBN: 0300243871
Category : Education
Languages : en
Pages : 368
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.
Publisher: Yale University Press
ISBN: 0300243871
Category : Education
Languages : en
Pages : 368
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.
Worth It ... Not Worth It?
Author: Jack Otter
Publisher: Business Plus
ISBN: 1455508454
Category : Business & Economics
Languages : en
Pages : 346
Book Description
Worth It . . . Not Worth It? demystifies complex, real-world dilemmas and breaks the answers down into simple solutions. Credit or debit? Rent or buy a house? Buy or lease a car? Take or decline the rental car insurance? Renovate the kitchen or finish the basement? Buy stocks or mutual funds? Every day we are forced to make financial decisions, but the right answers all seem to require complicated, mind-numbing research. And who has time for homework when you're paying for a bag of Fritos at 7-11? Or filling out a payroll form on the first day of a new job? Thankfully, there's Worth It . . . Not Worth It? Organized around six basic topics-Getting Started, Shelter, Automotive, Investing, Family Matters, and Retirement-this handy book is the Swiss Army knife of personal finance.
Publisher: Business Plus
ISBN: 1455508454
Category : Business & Economics
Languages : en
Pages : 346
Book Description
Worth It . . . Not Worth It? demystifies complex, real-world dilemmas and breaks the answers down into simple solutions. Credit or debit? Rent or buy a house? Buy or lease a car? Take or decline the rental car insurance? Renovate the kitchen or finish the basement? Buy stocks or mutual funds? Every day we are forced to make financial decisions, but the right answers all seem to require complicated, mind-numbing research. And who has time for homework when you're paying for a bag of Fritos at 7-11? Or filling out a payroll form on the first day of a new job? Thankfully, there's Worth It . . . Not Worth It? Organized around six basic topics-Getting Started, Shelter, Automotive, Investing, Family Matters, and Retirement-this handy book is the Swiss Army knife of personal finance.
Saving Words
Author: Joseph S. Pagano
Publisher: Wipf and Stock Publishers
ISBN: 1725262215
Category : Religion
Languages : en
Pages : 191
Book Description
What words from our Christian vocabulary would you miss if you could no longer use them? If you pronounced them and no one understood? If you spoke and people gave them a meaning at odds with your conviction? What words do you fear are falling into misuse? If you could save some word or phrase from disuse or misuse what would it be? Saving Words is a collection of personal, provocative essays by lay people, clergy, poets, theologians, musicians, and scholars on words they want to preserve and proclaim, urgent and important reflections on the language we need for the facing of these days. Open this volume and find saving words that matter.
Publisher: Wipf and Stock Publishers
ISBN: 1725262215
Category : Religion
Languages : en
Pages : 191
Book Description
What words from our Christian vocabulary would you miss if you could no longer use them? If you pronounced them and no one understood? If you spoke and people gave them a meaning at odds with your conviction? What words do you fear are falling into misuse? If you could save some word or phrase from disuse or misuse what would it be? Saving Words is a collection of personal, provocative essays by lay people, clergy, poets, theologians, musicians, and scholars on words they want to preserve and proclaim, urgent and important reflections on the language we need for the facing of these days. Open this volume and find saving words that matter.
Designing Data-Intensive Applications
Author: Martin Kleppmann
Publisher: "O'Reilly Media, Inc."
ISBN: 1491903104
Category : Computers
Languages : en
Pages : 658
Book Description
Data is at the center of many challenges in system design today. Difficult issues need to be figured out, such as scalability, consistency, reliability, efficiency, and maintainability. In addition, we have an overwhelming variety of tools, including relational databases, NoSQL datastores, stream or batch processors, and message brokers. What are the right choices for your application? How do you make sense of all these buzzwords? In this practical and comprehensive guide, author Martin Kleppmann helps you navigate this diverse landscape by examining the pros and cons of various technologies for processing and storing data. Software keeps changing, but the fundamental principles remain the same. With this book, software engineers and architects will learn how to apply those ideas in practice, and how to make full use of data in modern applications. Peer under the hood of the systems you already use, and learn how to use and operate them more effectively Make informed decisions by identifying the strengths and weaknesses of different tools Navigate the trade-offs around consistency, scalability, fault tolerance, and complexity Understand the distributed systems research upon which modern databases are built Peek behind the scenes of major online services, and learn from their architectures
Publisher: "O'Reilly Media, Inc."
ISBN: 1491903104
Category : Computers
Languages : en
Pages : 658
Book Description
Data is at the center of many challenges in system design today. Difficult issues need to be figured out, such as scalability, consistency, reliability, efficiency, and maintainability. In addition, we have an overwhelming variety of tools, including relational databases, NoSQL datastores, stream or batch processors, and message brokers. What are the right choices for your application? How do you make sense of all these buzzwords? In this practical and comprehensive guide, author Martin Kleppmann helps you navigate this diverse landscape by examining the pros and cons of various technologies for processing and storing data. Software keeps changing, but the fundamental principles remain the same. With this book, software engineers and architects will learn how to apply those ideas in practice, and how to make full use of data in modern applications. Peer under the hood of the systems you already use, and learn how to use and operate them more effectively Make informed decisions by identifying the strengths and weaknesses of different tools Navigate the trade-offs around consistency, scalability, fault tolerance, and complexity Understand the distributed systems research upon which modern databases are built Peek behind the scenes of major online services, and learn from their architectures
Is the United States Worth Saving?
Author: Charles W. Thompson
Publisher: Xlibris Corporation
ISBN: 1483624846
Category : Literary Criticism
Languages : en
Pages : 155
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.
Publisher: Xlibris Corporation
ISBN: 1483624846
Category : Literary Criticism
Languages : en
Pages : 155
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.
Something Worth Saving
Author: Mayra Statham
Publisher: Createspace Independent Publishing Platform
ISBN: 9781974449903
Category :
Languages : en
Pages : 216
Book Description
They had it all. Or so they thought. A fairytale kind of romance that started with a girl and a boy falling head over heels in love. This isn't that part of the story. This is what happens after the happily ever after. After careers blossom, babies, stretch marks, and carpools. Nadia is lost. As much as she loves her life, she hardly recognizes the reflection in the mirror. All she sees is his wife, their mom. Owen works hard. Somewhere between his career and life, working to provide everything possible for his girls, he lost track of what was important. After one too many broken promises, cold shoulders, and nonexistent attempts at trying to work on 'them', she is ready for her life to change. When she does, he wakes up and realizes his own mistakes. Do Owen and Nadia have something worth saving?
Publisher: Createspace Independent Publishing Platform
ISBN: 9781974449903
Category :
Languages : en
Pages : 216
Book Description
They had it all. Or so they thought. A fairytale kind of romance that started with a girl and a boy falling head over heels in love. This isn't that part of the story. This is what happens after the happily ever after. After careers blossom, babies, stretch marks, and carpools. Nadia is lost. As much as she loves her life, she hardly recognizes the reflection in the mirror. All she sees is his wife, their mom. Owen works hard. Somewhere between his career and life, working to provide everything possible for his girls, he lost track of what was important. After one too many broken promises, cold shoulders, and nonexistent attempts at trying to work on 'them', she is ready for her life to change. When she does, he wakes up and realizes his own mistakes. Do Owen and Nadia have something worth saving?
A Culture Worth Saving
Author: Robert P. Jones
Publisher: Outskirts Press
ISBN: 9781432783082
Category : History
Languages : en
Pages : 264
Book Description
Florida is known as the "Fishing Capital of the World." archeological digs throughout Florida proved Native Americans depended upon a wide range of seafood from the rivers, bays and ocean. Spains's first immigrants to St. Augustine were skilled in catching fish and these skills passed down from generation to generation. Fishing families from many other countries eventually settled along both Florida coasts to harvest the bountiful, sustainable rsources.
Publisher: Outskirts Press
ISBN: 9781432783082
Category : History
Languages : en
Pages : 264
Book Description
Florida is known as the "Fishing Capital of the World." archeological digs throughout Florida proved Native Americans depended upon a wide range of seafood from the rivers, bays and ocean. Spains's first immigrants to St. Augustine were skilled in catching fish and these skills passed down from generation to generation. Fishing families from many other countries eventually settled along both Florida coasts to harvest the bountiful, sustainable rsources.