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Author: Robert D. Manning
Publisher:
Published: 2000-12-25
Total Pages: 424
ISBN-13:
DOWNLOAD EBOOK →Credit Card Nation is the first comprehensive look at an ongoing social and economic crisis-America's escalting dependence on credit. By locating consumer debt within the context of corporate and governmental debt.
Author: Susanne Soederberg
Publisher: Routledge
Published: 2014-09-19
Total Pages: 303
ISBN-13: 1317646738
DOWNLOAD EBOOK →WINNER of the BISA IPEG Book Prize 2015 http://www.bisa-ipeg.org/ipeg-book-prize-2015-winner-announced/ Under the rubric of ‘financial inclusion’, lending to the poor –in both the global North and global South –has become a highly lucrative and rapidly expanding industry since the 1990s. A key inquiry of this book is what is ‘the financial’ in which the poor are asked to join. Instead of embracing the mainstream position that financial inclusion is a natural, inevitable and mutually beneficial arrangement, Debtfare States and the Poverty Industry suggests that the structural violence inherent to neoliberalism and credit-led accumulation have created and normalized a reality in which the working poor can no longer afford to live without expensive credit. The book further transcends economic treatments of credit and debt by revealing how the poverty industry is extricably linked to the social power of money, the paradoxes in credit-led accumulation, and ‘debtfarism’. The latter refers to rhetorical and regulatory forms of governance that mediate and facilitate the expansion of the poverty industry and the reliance of the poor on credit to augment/replace their wages. Through a historically grounded analysis, the author examines various dimensions of the poverty industry ranging from the credit card, payday loan, and student loan industries in the United States to micro-lending and low-income housing finance industries in Mexico. Providing a much-needed theorization of the politics of debt, Debtfare States and the Poverty Industry has wider implications of the increasing dependence of the poor on consumer credit across the globe, this book will be of very strong interest to students and scholars of Global Political Economy, Finance, Development Studies, Geography, Law, History, and Sociology. The Open Access version of this book, available at http://www.taylorfrancis.com/books/e/9781315761954, has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license. https://www.youtube.com/watch?v=2lU6PHjyOzU
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher:
Published: 2009
Total Pages: 228
ISBN-13:
DOWNLOAD EBOOK →Author: Kevin T Leicht
Publisher: Taylor & Francis
Published: 2022-08-31
Total Pages: 205
ISBN-13: 1000632946
DOWNLOAD EBOOK →Based on income alone, nearly half of all adults in the United States can be considered "middle class," complete with the reassurance of a steady job, the ability to raise a family, and the comforts of owning a home. And yet, for many, because of structural forces reshaping the finances of the American middle class, the margin between a stable life and a fragile one is narrowing. The new edition of Middle-Class Meltdown in America: Causes, Consequences, and Remedies tells the story of the struggling American middle class by weaving together sociological and economical research, personalized portraits and examples, and a profusion of current data illustrating significant social, economic, and political trends. The authors extend their analysis to include the COVID-19 pandemic, a focus on the effect of race and ethnicity, as well as the ever-increasing costs of housing, health care, and education. In clear, accessible writing, the authors provide a sociological and balanced understanding of the causes and implications of increasing middle class precarity. Middle-Class Meltdown in America is particularly well-suited for courses in sociology, economics, political science, anthropology, and American Studies.
Author: Jane Velez-Mitchell
Publisher: Health Communications, Inc.
Published: 2011-02
Total Pages: 338
ISBN-13: 0757315453
DOWNLOAD EBOOK →Presents a view of the world from the perspective of a recovering addict, showing readers how to resist the addictions that take away Americans' freedoms.
Author: Johanna Niemi
Publisher: Bloomsbury Publishing
Published: 2009-07-15
Total Pages: 462
ISBN-13: 1847315224
DOWNLOAD EBOOK →After a long period of prosperity and steady economic growth, the world's leading economies are now in crisis, and although there will be debate about its origins, the scale and seriousness of the crisis is in no doubt. There is also no doubt that excessive amounts of consumer credit, allied to a weak understanding of how globalised credit markets might react to a crisis, have played a significant part. This book, which is primarily about credit, debt and the trouble they have led to, is written by authors who have specialised in researching into over-indebtedness, that is, situations in which an individual's debt burden has become overwhelming. For these authors the plight of individuals is a primary concern, but the wider issue is how credit is used and how it changes societies. The essays in this volume, addressing topics which are fundamental to our understanding of the current crisis, range widely across the whole sector of consumer finance, including mortgages, 'credit-binges', the regulation of consumer lending, insolvency, repayment plans, debt counselling and much more besides. The conclusions drawn from the book are equally wide-ranging, but above all the lesson learned from these essays is that the financialisation of contemporary life ensures that issues of the appropriate role of credit remain of critical importance in society.
Author: James J. Farrell
Publisher: Smithsonian Institution
Published: 2014-07-15
Total Pages: 381
ISBN-13: 1588344339
DOWNLOAD EBOOK →Loved and hated, visited and avoided, seemingly everywhere yet endlessly the same, malls occupy a special place in American life. What, then, is this invention that evokes such strong and contradictory emotions in Americans? In many ways malls represent the apotheosis of American consumerism, and this synthetic and wide-ranging investigation is an eye-popping tour of American culture's values and beliefs. Like your favorite mall, One Nation under Goods is a browser's paradise, and in order to understand America's culture of consumption you need to make a trip to the mall with Farrell. This lively, fast-paced history of the hidden secrets of the shopping mall explains how retail designers make shopping and goods “irresistible.” Architects, chain stores, and mall owners relax and beguile us into shopping through water fountains, ficus trees, mirrors, and covert security cameras. From food courts and fountains to Santa and security, Farrell explains how malls control their patrons and convince us that shopping is always an enjoyable activity. And most importantly, One Nation Under Goods shows why the mall's ultimate promise of happiness through consumption is largely an illusion. It's all here—for one low price, of course.
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher:
Published: 2003
Total Pages: 120
ISBN-13:
DOWNLOAD EBOOK →Author: Sam Skolnik
Publisher: Beacon Press
Published: 2011-07-05
Total Pages: 249
ISBN-13: 0807006300
DOWNLOAD EBOOK →What the explosive growth of legalized gambling means socially, politically, and economically for America. Forty years ago, casinos were legal in just one state. Today, legalized gambling has morphed into a $119 billion industry established in all but two states. As elected officials are urging voters to expand gambling’s reach, the industry’s supporters and their impassioned detractors are squaring off in prolonged state-by-state battles. Millions of Americans are being asked to decide: are the benefits worth the costs? With a blend of investigative journalism and poignant narratives of gambling addiction, award-winning journalist Sam Skolnik provides an in-depth exploration of the consequences of this national phenomenon. In High Stakes, we meet politicians eager to promote legalized gambling as an economic cure-all, scientists wrestling with the meaning of gambling addiction, and players so caught up in the chase that they’ve lost their livelihoods and their minds.
Author: J. Logemann
Publisher: Springer
Published: 2012-07-16
Total Pages: 295
ISBN-13: 113706207X
DOWNLOAD EBOOK →This volume brings together historians, economists, political scientists, and anthropologists to present a global perspective on the new forms of lending and borrowing that have become a key feature of twentieth-century mass consumer societies, emphasizing comparative and transnational historical perspectives.
