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Author: Viral V. Acharya
Publisher: Princeton University Press
ISBN: 1400838096
Category : Business & Economics
Languages : en
Pages : 233
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Book Description
Why America's public-private mortgage giants threaten the world economy—and what to do about it The financial collapse of Fannie Mae and Freddie Mac in 2008 led to one of the most sweeping government interventions in private financial markets in history. The bailout has already cost American taxpayers close to $150 billion, and substantially more will be needed. The U.S. economy--and by extension, the global financial system--has a lot riding on Fannie and Freddie. They cannot fail, yet that is precisely what these mortgage giants are guaranteed to do. How can we limit the damage to our economy, and avoid making the same mistakes in the future? Guaranteed to Fail explains how poorly designed government guarantees for Fannie Mae and Freddie Mac led to the debacle of mortgage finance in the United States, weighs different reform proposals, and provides sensible, practical recommendations. Despite repeated calls for tougher action, Washington has expanded the scope of its guarantees to Fannie and Freddie, fueling more and more housing and mortgages all across the economy--and putting all of us at risk. This book unravels the dizzyingly immense, highly interconnected businesses of Fannie and Freddie. It proposes a unique model of reform that emphasizes public-private partnership, one that can serve as a blueprint for better organizing and managing government-sponsored enterprises like Fannie Mae and Freddie Mac. In doing so, Guaranteed to Fail strikes a cautionary note about excessive government intervention in markets.
Author: Viral V. Acharya
Publisher: Princeton University Press
ISBN: 1400838096
Category : Business & Economics
Languages : en
Pages : 233
Get Book Here
Book Description
Why America's public-private mortgage giants threaten the world economy—and what to do about it The financial collapse of Fannie Mae and Freddie Mac in 2008 led to one of the most sweeping government interventions in private financial markets in history. The bailout has already cost American taxpayers close to $150 billion, and substantially more will be needed. The U.S. economy--and by extension, the global financial system--has a lot riding on Fannie and Freddie. They cannot fail, yet that is precisely what these mortgage giants are guaranteed to do. How can we limit the damage to our economy, and avoid making the same mistakes in the future? Guaranteed to Fail explains how poorly designed government guarantees for Fannie Mae and Freddie Mac led to the debacle of mortgage finance in the United States, weighs different reform proposals, and provides sensible, practical recommendations. Despite repeated calls for tougher action, Washington has expanded the scope of its guarantees to Fannie and Freddie, fueling more and more housing and mortgages all across the economy--and putting all of us at risk. This book unravels the dizzyingly immense, highly interconnected businesses of Fannie and Freddie. It proposes a unique model of reform that emphasizes public-private partnership, one that can serve as a blueprint for better organizing and managing government-sponsored enterprises like Fannie Mae and Freddie Mac. In doing so, Guaranteed to Fail strikes a cautionary note about excessive government intervention in markets.
Author: James R. Hagerty
Publisher: Arcadia Publishing
ISBN: 1614236992
Category : Business & Economics
Languages : en
Pages : 241
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Book Description
“A lucid and meticulously reported book by one of the Wall Street Journal’s ace reporters” (George Anders, Forbes contributor and author of The Rare Find). In 1938, the administration of Franklin Delano Roosevelt created a small agency called Fannie Mae. Intended to make home loans more accessible, the agency was born of the Great Depression and a government desperate to revive housing construction. It was a minor detail of the New Deal, barely recorded by the newspapers of the day. Over the next seventy years, Fannie Mae evolved into one of the largest financial companies in the world, owned by private shareholders but with its nearly $1 trillion of debt effectively guaranteed by the government. Almost from the beginning, critics repeatedly warned that Fannie was an accident waiting to happen. Then, in 2008, the housing market collapsed. Amid a wave of foreclosures, the company’s capital began to run out, and the US Treasury seized control. From the New Deal to President Obama’s administration, James R. Hagerty explains this fascinating but little-understood saga. Based on the author’s reporting for the Wall Street Journal, personal research, and interviews with executives, regulators, and congressional leaders, The Fateful History of Fannie Mae, he explains the politics, economics, and human frailties behind seven decades of missed opportunities to prevent a financial disaster.
Author: failblog.org community
Publisher: Andrews McMeel Publishing
ISBN: 1449408575
Category : Humor
Languages : en
Pages : 195
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Book Description
FAIL Harder follows the hilarious best-seller Fail Nation to showcase 200 original full-color photos of world-wide FAILS based on the popular website failblog.org, the most visited member of the Cheezburger Network. So what qualifies as a FAIL? How about a nursery outfitted with a gun rack hanging over the baby's crib? Perhaps the equation, "E=MC3" written on a classroom's write/erase board. What about a trifecta of beauty parlor, chain saw repair, and nightclub housed inside an all-in-one-stop shop? Classic FAILs like these are presented in more than 15 different categories, including At Home, In A Relationship, On the Job, and With Your Pets. If you must FAIL, FAIL Harder.
Author: Jean-François Manzoni
Publisher: Harvard Business Press
ISBN: 9780875849492
Category : Business & Economics
Languages : en
Pages : 312
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Book Description
Annotation.
Author: Ron Malhotra
Publisher: Karen MC Dermott
ISBN: 9780648664567
Category : Self-Help
Languages : en
Pages : 272
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Book Description
The complete formula for an extraordinary life and lifestyle by Ron Malhotra.
Author: Angel L. Harris
Publisher: Harvard University Press
ISBN: 0674060997
Category : Social Science
Languages : en
Pages : 335
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Book Description
Understanding the causes of the racial achievement gap in American education—and then addressing it with effective programs—is one of the most urgent problems communities and educators face. For many years, the most popular explanation for the achievement gap has been the “oppositional culture theory”: the idea that black students underperform in secondary schools because of a group culture that devalues learning and sees academic effort as “acting white.” Despite lack of evidence for this belief, classroom teachers accept it, with predictable self-fulfilling results. In a careful quantitative assessment of the oppositional culture hypothesis, Angel L. Harris tested its empirical implications systematically and broadened his analysis to include data from British schools. From every conceivable angle of examination, the oppositional culture theory fell flat. Despite achieving less in school, black students value schooling more than their white counterparts do. Black kids perform badly in high school not because they don’t want to succeed but because they enter without the necessary skills. Harris finds that the achievement gap starts to open up in preadolescence—when cumulating socioeconomic and health disadvantages inhibit skills development and when students start to feel the impact of lowered teacher expectations. Kids Don’t Want to Fail is must reading for teachers, academics, policy makers, and anyone interested in understanding the intersection of race and education.
Author: Thomas H. Stanton
Publisher: Oxford University Press
ISBN: 0199916004
Category : Business & Economics
Languages : en
Pages : 291
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Book Description
Why did some firms weather the financial crisis and others not? This book investigates inner workings of over a dozen major financial and nonfinancial companies, reveals what went wrong and proposes a remedy. Regulators too must learn from past mistakes and require "constructive dialogue" for companies they supervise.
Author: Mark Aspelin
Publisher: Gypsy Road Publishing
ISBN: 9780997087918
Category :
Languages : en
Pages : 198
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Book Description
Things they don't teach in school ... but you'll wish they did. The late, great, personal development guru Jim Rohn lamented, "It's too bad failures don't give seminars. Wouldn't that be valuable? If you meet a guy who has messed up his life for forty years, you've just got to say, 'John, if I bring my journal and promise to take good notes, would you spend a day with me?'" Well, Jim, your wish has come true. As a time-honored expert in the art of failure, author Mark Aspelin has demonstrated exceptional skill by messing up in nearly all of the important areas of life: relationships, money, health, education, career ... the list goes on. How to Fail at Life: Lessons for the Next Generation is the ultimate "what not to do" guide, filled with stories of self-inflicted catastrophes, completely avoidable suffering, and mindless forms of life wreckage - with some inspiring tales of redemption that reveal the secrets for how to live a happy and fulfilling life. Mark wrote this book for his son, as a fun way to pass on timeless success principles, just in case Mark gets hit by the proverbial beer truck. Learn how to FAIL SMART You won't find any fancy buzzwords or "secret formulas" that are guaranteed to give you fame, fortune, enlightenment, and six-pack abs in 30 days without leaving your couch. Mark has read a bazillion books in the personal development space and quickly found that the principles of success are simple and consistent and have been documented ad nauseam. Why are the same success principles used again and again? Simple. They work. Mark has packaged these life lessons within stories of people who've learned them through the School of Hard Knocks. You'll find true, inspirational stories of failure and redemption. You'll see a few household names that you may know well, as well as some obscure and unknown names. If Mark has done his job well, you'll also see a bit of yourself in these stories. After all, that's one of the goals of this book: to give you a chance to pause, reflect, and say, "Hey, that's me!" Then you can decide if you need to make some changes to get back on track. There really is a right way and a wrong way to fail in life. For the few key areas that you want to develop and master, failure is something to be actively pursued and celebrated. It may sound strange, but when you fail fast and fail big in those few vital areas, you'll be on the fast track to accomplishing your definition of success. For the other areas of your life, the right way to fail is to let others do it for you and learn from their mistakes. Staggering amounts of time and suffering can be avoided by learning from the mistakes of others. When it comes to failure in most areas of life, it's better to watch the movie than be a character in it. Rest assured, you'll still have plenty of opportunities to fail in life, but you might as well narrow down the list so you'll fail "smart." This one's for you, Jim Rohn. Mark is happy to spend a day with you to show how failure is really done. Get ready to take some notes.
Author: Henry Petroski
Publisher: Princeton University Press
ISBN: 0691180997
Category : Nature
Languages : en
Pages : 256
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Book Description
This book examines the importance of engineering design as well as society's ability to respond to design flaws.
Author: Jack Halberstam
Publisher: Duke University Press
ISBN: 0822350459
Category : Performing Arts
Languages : en
Pages : 234
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Book Description
DIVProminent queer theorist offers a "low theory" of culture knowledge drawn from popular texts and films./div
