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| Author | : Robert D. Manning |
| Publisher | : |
| Total Pages | : 424 |
| Release | : 2000-12-25 |
| Genre | : Business & Economics |
| ISBN | : |
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 | : George Ritzer |
| Publisher | : SAGE Publications |
| Total Pages | : 259 |
| Release | : 1995-02-09 |
| Genre | : Social Science |
| ISBN | : 1452246661 |
The explosive growth of consumer credit, as well as the shift from cash to "plastic" in societies throughout the world signals a transformation in social relations, which is the focus of this book. For student readers who know the world of credit cards all too well, this is a great way to interest and educate them on the power of thinking sociologically.
| Author | : Susanne Soederberg |
| Publisher | : Routledge |
| Total Pages | : 347 |
| Release | : 2014-09-19 |
| Genre | : Political Science |
| ISBN | : 131764672X |
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 | : Thomas A. Durkin |
| Publisher | : Springer Science & Business Media |
| Total Pages | : 340 |
| Release | : 2012-12-06 |
| Genre | : Business & Economics |
| ISBN | : 1461514150 |
As both the twenty-first century and the new millennium opened and the old eras passed into history, individuals and organizations throughout the world advanced their listings of the most significant people and events in their respective specialties. Possibly more important, the tum of the clock and calendar also offered these same observers a good reason to glance into the crystal ball. Presumably, the past is of greatest interest to most people when it permits better understanding of the present, and maybe even limited insight into the outlook. In keeping with the reflective mood of the time, the staff and friends of the Credit Research Center (CRC) at Georgetown University's McDonough School of Business noted that the beginning of the new millennium also marked the beginning of the second quarter-century of the Center's existence. The Center began at the Krannert Graduate School of Management at Purdue University in 1974 and moved to the McDonough School of Business at Georgetown University in 1997. The silver anniversary of its founding offered the occasion for creating more than another listing of significant past accomplishments and milestones. Rather, it offered the opportunity and, indeed, a mandate for CRC as an academic research center, to undertake a retrospective and future look into the status of research questions pertaining to consumer credit markets. For this reason, the Center organized a research conference which was held in Washington, D. C.
| Author | : Mark A.R. Kleiman |
| Publisher | : Oxford University Press |
| Total Pages | : 258 |
| Release | : 2011-07-13 |
| Genre | : Political Science |
| ISBN | : 0199831386 |
While there have always been norms and customs around the use of drugs, explicit public policies--regulations, taxes, and prohibitions--designed to control drug abuse are a more recent phenomenon. Those policies sometimes have terrible side-effects: most prominently the development of criminal enterprises dealing in forbidden (or untaxed) drugs and the use of the profits of drug-dealing to finance insurgency and terrorism. Neither a drug-free world nor a world of free drugs seems to be on offer, leaving citizens and officials to face the age-old problem: What are we going to do about drugs? In Drugs and Drug Policy, three noted authorities survey the subject with exceptional clarity, in this addition to the acclaimed series, What Everyone Needs to Know®. They begin, by defining "drugs," examining how they work in the brain, discussing the nature of addiction, and exploring the damage they do to users. The book moves on to policy, answering questions about legalization, the role of criminal prohibitions, and the relative legal tolerance for alcohol and tobacco. The authors then dissect the illicit trade, from street dealers to the flow of money to the effect of catching kingpins, and show the precise nature of the relationship between drugs and crime. They examine treatment, both its effectiveness and the role of public policy, and discuss the beneficial effects of some abusable substances. Finally they move outward to look at the role of drugs in our foreign policy, their relationship to terrorism, and the ugly politics that surround the issue. Crisp, clear, and comprehensive, this is a handy and up-to-date overview of one of the most pressing topics in today's world. What Everyone Needs to Know® is a registered trademark of Oxford University Press.
| Author | : Kevin T Leicht |
| Publisher | : Taylor & Francis |
| Total Pages | : 205 |
| Release | : 2022-08-31 |
| Genre | : Social Science |
| ISBN | : 1000632946 |
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 | : Michael T. Klare |
| Publisher | : Metropolitan Books |
| Total Pages | : 306 |
| Release | : 2007-04-01 |
| Genre | : Political Science |
| ISBN | : 1429900571 |
From the author of Resource Wars, a landmark assessment of the critical role of petroleum in America's actions abroad In his pathbreaking Resource Wars, world security expert Michael T. Klare alerted us to the role of resources in conflicts in the post-Cold War world. Now, in Blood and Oil, he concentrates on a single precious commodity, petroleum, while issuing a warning to the United States-its most powerful, and most dependent, global consumer. Since September 11th and the commencement of the "war on terror," the world's attention has been focused on the relationship between U.S. foreign policy in the Middle East and the oceans of crude oil that lie beneath the region's soil. Klare traces oil's impact on international affairs since World War II, revealing its influence on the Truman, Eisenhower, Nixon, and Carter doctrines. He shows how America's own wells are drying up as our demand increases; by 2010, the United States will need to import 60 percent of its oil. And since most of this supply will have to come from chronically unstable, often violently anti-American zones-the Persian Gulf, the Caspian Sea, Latin America, and Africa-our dependency is bound to lead to recurrent military involvement. With clarity and urgency, Blood and Oil delineates the United States' predicament and cautions that it is time to change our energy policies, before we spend the next decades paying for oil with blood.
| Author | : Sarah Brown |
| Publisher | : Edward Elgar Publishing |
| Total Pages | : 247 |
| Release | : 2019 |
| Genre | : Law |
| ISBN | : 1784712493 |
This incisive book gives a comprehensive overview of the regulation of consumer credit in both the US and the UK. It covers policy, procedure and the dynamics of the consumer credit relationship to advocate for a balanced approach in achieving more effective consumer protection.
| Author | : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs |
| Publisher | : |
| Total Pages | : 228 |
| Release | : 2009 |
| Genre | : Consumer credit |
| ISBN | : |
| Author | : Johanna Niemi |
| Publisher | : Bloomsbury Publishing |
| Total Pages | : 462 |
| Release | : 2009-07-15 |
| Genre | : Law |
| ISBN | : 1847315224 |
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.
