The Unbanking Of America

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The Unbanking of America

Author : Lisa Servon
Publisher : Houghton Mifflin Harcourt
ISBN 13 : 0544611187
Total Pages : 264 pages
Book Rating : 4.5/5 (446 download)

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Book Synopsis The Unbanking of America by : Lisa Servon

Download or read book The Unbanking of America written by Lisa Servon and published by Houghton Mifflin Harcourt. This book was released on 2017-01-10 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why Americans are fleeing our broken banking system: “Startling and absorbing…Required reading for fans of muckraking authors like Barbara Ehrenreich.”—Publishers Weekly (starred review) What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twentysomething graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their lower- and middle-income customers while serving only the wealthiest Americans. Lisa Servon delivers a stunning indictment of America’s banks, together with eye-opening dispatches from inside a range of banking alternatives that have sprung up to fill the void. She works as a teller at RiteCheck, a check-cashing business in the South Bronx, and as a payday lender in Oakland. She looks closely at the workings of a tanda, an informal lending club. And she delivers engaging, hopeful portraits of the entrepreneurs reacting to the unbanking of America by designing systems to creatively serve those outside the one percent. “Valuable evidence on the fragility of the personal economies of most Americans these days.”—Kirkus Reviews “An intelligent plea for financial justice…[An] excellent book.”—The Christian Science Monitor

The Unbanking of America

Author : Lisa Servon
Publisher : Mariner Books
ISBN 13 : 9781328745705
Total Pages : 0 pages
Book Rating : 4.7/5 (457 download)

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Book Synopsis The Unbanking of America by : Lisa Servon

Download or read book The Unbanking of America written by Lisa Servon and published by Mariner Books. This book was released on 2018 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discusses the problems with American banking and investigates such informal banking alternatives as check-cashing businesses, payday lenders, and lending clubs.

The Unbanking of America

Author : Lisa J. Servon
Publisher : Houghton Mifflin
ISBN 13 : 9780544602311
Total Pages : 0 pages
Book Rating : 4.6/5 (23 download)

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Book Synopsis The Unbanking of America by : Lisa J. Servon

Download or read book The Unbanking of America written by Lisa J. Servon and published by Houghton Mifflin. This book was released on 2017 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discusses the problems with American banking and investigates such informal banking alternatives as check-cashing businesses, payday lenders, and lending clubs.

How the Other Half Banks

Author : Mehrsa Baradaran
Publisher : Harvard University Press
ISBN 13 : 0674495446
Total Pages : 337 pages
Book Rating : 4.6/5 (744 download)

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Book Synopsis How the Other Half Banks by : Mehrsa Baradaran

Download or read book How the Other Half Banks written by Mehrsa Baradaran and published by Harvard University Press. This book was released on 2015-10-06 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States has two separate banking systems today—one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities—all thanks to deregulation that began in the 1970s and continues decades later. “Baradaran argues persuasively that the banking industry, fattened on public subsidies (including too-big-to-fail bailouts), owes low-income families a better deal...How the Other Half Banks is well researched and clearly written...The bankers who fully understand the system are heavily invested in it. Books like this are written for the rest of us.” —Nancy Folbre, New York Times Book Review “How the Other Half Banks tells an important story, one in which we have allowed the profit motives of banks to trump the public interest.” —Lisa J. Servon, American Prospect

The Global Findex Database 2017

Author : Asli Demirguc-Kunt
Publisher : World Bank Publications
ISBN 13 : 1464812683
Total Pages : 148 pages
Book Rating : 4.4/5 (648 download)

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Book Synopsis The Global Findex Database 2017 by : Asli Demirguc-Kunt

Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.

Tales from Albarado

Author : Smoki Musaraj
Publisher : Cornell University Press
ISBN 13 : 1501750356
Total Pages : 129 pages
Book Rating : 4.5/5 (17 download)

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Book Synopsis Tales from Albarado by : Smoki Musaraj

Download or read book Tales from Albarado written by Smoki Musaraj and published by Cornell University Press. This book was released on 2020-08-15 with total page 129 pages. Available in PDF, EPUB and Kindle. Book excerpt: Tales from Albarado revisits times of excitement and loss in early 1990s Albania, in which about a dozen pyramid firms collapsed and caused the country to fall into anarchy and a near civil war. To gain a better understanding of how people from all walks of life came to invest in these financial schemes and how these schemes became intertwined with everyday transactions, dreams, and aspirations, Smoki Musaraj looks at the materiality, sociality, and temporality of financial speculations at the margins of global capital. She argues that the speculative financial practices of the schemes were enabled by official financial infrastructures (such as the postsocialist free-market reforms), by unofficial economies (such as transnational remittances), as well as by historically specific forms of entrepreneurship, transnational social networks, and desires for a European modernity. Overall, these granular stories of participation in the Albanian schemes help understand neoliberal capitalism as a heterogeneous economic formation that intertwines capitalist and noncapitalist forms of accumulation and investment.

The Financial Diaries

Author : Jonathan Morduch
Publisher : Princeton University Press
ISBN 13 : 0691172986
Total Pages : 248 pages
Book Rating : 4.6/5 (911 download)

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Book Synopsis The Financial Diaries by : Jonathan Morduch

Download or read book The Financial Diaries written by Jonathan Morduch and published by Princeton University Press. This book was released on 2017-04-04 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: Drawing on the groundbreaking U.S. Financial Diaries project (http://www.usfinancialdiaries.org/), which follows the lives of 235 low- and middle-income families as they navigate through a year, the authors challenge popular assumptions about how Americans earn, spend, borrow, and save-- and they identify the true causes of distress and inequality for many working Americans.

A Piece of the Action

Author : Joe Nocera
Publisher : Simon and Schuster
ISBN 13 : 1476744890
Total Pages : 480 pages
Book Rating : 4.4/5 (767 download)

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Book Synopsis A Piece of the Action by : Joe Nocera

Download or read book A Piece of the Action written by Joe Nocera and published by Simon and Schuster. This book was released on 2013-10-15 with total page 480 pages. Available in PDF, EPUB and Kindle. Book excerpt: A comprehensive examination of the money revolution in America since the 1950s examines the acquisition of financial power by the middle class through credit cards and mutual funds, the Age of Inflation, the 1987 crash, and the current bull market. 50,000 first printing. Tour.

Summary of Lisa Servon's The Unbanking of America

Author : Everest Media,
Publisher : Everest Media LLC
ISBN 13 :
Total Pages : 29 pages
Book Rating : 4.8/5 (225 download)

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Book Synopsis Summary of Lisa Servon's The Unbanking of America by : Everest Media,

Download or read book Summary of Lisa Servon's The Unbanking of America written by Everest Media, and published by Everest Media LLC. This book was released on 2022-05-22T22:59:00Z with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: Please note: This is a companion version & not the original book. Sample Book Insights: #1 The world has changed since I opened my first bank account as a child. Today, I do most of my banking online at odd hours. For my children, going to the bank means popping over to the nearest ATM to get cash. #2 The consumer financial-services system, which consists of mainstream banks, alternative financial services, and informal practices such as saving in structured groups of friends or coworkers, is broken. Americans lack safe and affordable financial products and services when they need them most. #3 While some have chosen to leave banks, others have been pushed out. Major banks and credit unions rely on private-sector databases such as ChexSystems to keep track of how consumers handle their deposit accounts. This is how these databases work. #4 While people try to adapt to these changing situations, policymakers’ view of personal finance has remained static. They insist that a formal relationship with a mainstream financial institution will improve the lives of those who are unbanked or underbanked.

The Book of Unknown Americans

Author : Cristina Henríquez
Publisher : Vintage
ISBN 13 : 0385350856
Total Pages : 252 pages
Book Rating : 4.3/5 (853 download)

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Book Synopsis The Book of Unknown Americans by : Cristina Henríquez

Download or read book The Book of Unknown Americans written by Cristina Henríquez and published by Vintage. This book was released on 2014-06-03 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: A stunning novel of hopes and dreams, guilt and love—a book that offers a resonant new definition of what it means to be American and "illuminates the lives behind the current debates about Latino immigration" (The New York Times Book Review). When fifteen-year-old Maribel Rivera sustains a terrible injury, the Riveras leave behind a comfortable life in Mexico and risk everything to come to the United States so that Maribel can have the care she needs. Once they arrive, it’s not long before Maribel attracts the attention of Mayor Toro, the son of one of their new neighbors, who sees a kindred spirit in this beautiful, damaged outsider. Their love story sets in motion events that will have profound repercussions for everyone involved. Here Henríquez seamlessly interweaves the story of these star-crossed lovers, and of the Rivera and Toro families, with the testimonials of men and women who have come to the United States from all over Latin America.

Glass House

Author : Brian Alexander
Publisher : St. Martin's Press
ISBN 13 : 1250085810
Total Pages : 304 pages
Book Rating : 4.2/5 (5 download)

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Book Synopsis Glass House by : Brian Alexander

Download or read book Glass House written by Brian Alexander and published by St. Martin's Press. This book was released on 2017-02-14 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: For readers of Hillbilly Elegy and Strangers in Their Own Land WINNER OF THE OHIOANA BOOK AWARDS AND FINALIST FOR THE 87TH CALIFORNIA BOOK AWARDS | NAMED A BEST/MOST ANTICIPATED BOOK OF 2017 BY: New York Post • Newsweek • The Week • Bustle • Books by the Banks Book Festival • Bookauthority.com The Wall Street Journal: "A devastating portrait...For anyone wondering why swing-state America voted against the establishment in 2016, Mr. Alexander supplies plenty of answers." Laura Miller, Slate: "This book hunts bigger game. Reads like an odd?and oddly satisfying?fusion of George Packer’s The Unwinding and one of Michael Lewis’ real-life financial thrillers." The New Yorker : "Does a remarkable job." Beth Macy, author of Factory Man: "This book should be required reading for people trying to understand Trumpism, inequality, and the sad state of a needlessly wrecked rural America. I wish I had written it." In 1947, Forbes magazine declared Lancaster, Ohio the epitome of the all-American town. Today it is damaged, discouraged, and fighting for its future. In Glass House, journalist Brian Alexander uses the story of one town to show how seeds sown 35 years ago have sprouted to give us Trumpism, inequality, and an eroding national cohesion. The Anchor Hocking Glass Company, once the world’s largest maker of glass tableware, was the base on which Lancaster’s society was built. As Glass House unfolds, bankruptcy looms. With access to the company and its leaders, and Lancaster’s citizens, Alexander shows how financial engineering took hold in the 1980s, accelerated in the 21st Century, and wrecked the company. We follow CEO Sam Solomon, an African-American leading the nearly all-white town’s biggest private employer, as he tries to rescue the company from the New York private equity firm that hired him. Meanwhile, Alexander goes behind the scenes, entwined with the lives of residents as they wrestle with heroin, politics, high-interest lenders, low wage jobs, technology, and the new demands of American life: people like Brian Gossett, the fourth generation to work at Anchor Hocking; Joe Piccolo, first-time director of the annual music festival who discovers the town relies on him, and it, for salvation; Jason Roach, who police believed may have been Lancaster’s biggest drug dealer; and Eric Brown, a local football hero-turned-cop who comes to realize that he can never arrest Lancaster’s real problems.

Indebted

Author : Caitlin Zaloom
Publisher : Princeton University Press
ISBN 13 : 069121722X
Total Pages : 286 pages
Book Rating : 4.6/5 (912 download)

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Book Synopsis Indebted by : Caitlin Zaloom

Download or read book Indebted written by Caitlin Zaloom and published by Princeton University Press. This book was released on 2021-05-04 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: "'Indebted' takes readers into the homes of middle-class families throughout the nation to reveal the hidden consequences of student debt and the ways that financing college has transformed family life"--Amazon

The Joy of Search

Author : Daniel M. Russell
Publisher : MIT Press
ISBN 13 : 0262546078
Total Pages : 337 pages
Book Rating : 4.2/5 (625 download)

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Book Synopsis The Joy of Search by : Daniel M. Russell

Download or read book The Joy of Search written by Daniel M. Russell and published by MIT Press. This book was released on 2023-06-06 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: How to be a great online searcher, demonstrated with step-by-step searches for answers to a series of intriguing questions (for example, “Is that plant poisonous?”). We all know how to look up something online by typing words into a search engine. We do this so often that we have made the most famous search engine a verb: we Google it—“Japan population” or “Nobel Peace Prize” or “poison ivy” or whatever we want to know. But knowing how to Google something doesn't make us search experts; there's much more we can do to access the massive collective knowledge available online. In The Joy of Search, Daniel Russell shows us how to be great online researchers. We don't have to be computer geeks or a scholar searching out obscure facts; we just need to know some basic methods. Russell demonstrates these methods with step-by-step searches for answers to a series of intriguing questions—from “what is the wrong side of a towel?” to “what is the most likely way you will die?” Along the way, readers will discover essential tools for effective online searches—and learn some fascinating facts and interesting stories. Russell explains how to frame search queries so they will yield information and describes the best ways to use such resources as Google Earth, Google Scholar, Wikipedia, and Wikimedia. He shows when to put search terms in double quotes, how to use the operator (*), why metadata is important, and how to triangulate information from multiple sources. By the end of this engaging journey of discovering, readers will have the definitive answer to why the best online searches involve more than typing a few words into Google.

Janesville

Author : Amy Goldstein
Publisher : Simon and Schuster
ISBN 13 : 1501102281
Total Pages : 384 pages
Book Rating : 4.5/5 (11 download)

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Book Synopsis Janesville by : Amy Goldstein

Download or read book Janesville written by Amy Goldstein and published by Simon and Schuster. This book was released on 2017-04-18 with total page 384 pages. Available in PDF, EPUB and Kindle. Book excerpt: * Financial Times and McKinsey Business Book of the Year * Winner of the J. Anthony Lukas Book Prize * 800-CEO-READ Business Book of the Year * A New York Times Notable Book * A Washington Post Notable Book * An NPR Best Book of 2017 * A Wall Street Journal Best Book of 2017 * An Economist Best Book of 2017 * A Business Insider Best Book of 2017 * “A gripping story of psychological defeat and resilience” (Bob Woodward, The Washington Post)—an intimate account of the fallout from the closing of a General Motors assembly plant in Janesville, Wisconsin, and a larger story of the hollowing of the American middle class. This is the story of what happens to an industrial town in the American heartland when its main factory shuts down—but it’s not the familiar tale. Most observers record the immediate shock of vanished jobs, but few stay around long enough to notice what happens next when a community with a can-do spirit tries to pick itself up. Pulitzer Prize–winning reporter Amy Goldstein spent years immersed in Janesville, Wisconsin, where the nation’s oldest operating General Motors assembly plant shut down in the midst of the Great Recession. Now, with intelligence, sympathy, and insight into what connects and divides people in an era of economic upheaval, Goldstein shows the consequences of one of America’s biggest political issues. Her reporting takes the reader deep into the lives of autoworkers, educators, bankers, politicians, and job re-trainers to show why it’s so hard in the twenty-first century to recreate a healthy, prosperous working class. “Moving and magnificently well-researched...Janesville joins a growing family of books about the evisceration of the working class in the United States. What sets it apart is the sophistication of its storytelling and analysis” (Jennifer Senior, The New York Times). “Anyone tempted to generalize about the American working class ought to meet the people in Janesville. The reporting behind this book is extraordinary and the story—a stark, heartbreaking reminder that political ideologies have real consequences—is told with rare sympathy and insight” (Tracy Kidder, Pulitzer Prize–winning author of The Soul of a New Machine).

Principles of Sustainable Finance

Author : Dirk Schoenmaker
Publisher : Oxford University Press, USA
ISBN 13 : 0198826605
Total Pages : 421 pages
Book Rating : 4.1/5 (988 download)

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Book Synopsis Principles of Sustainable Finance by : Dirk Schoenmaker

Download or read book Principles of Sustainable Finance written by Dirk Schoenmaker and published by Oxford University Press, USA. This book was released on 2019 with total page 421 pages. Available in PDF, EPUB and Kindle. Book excerpt: Combining theory, empirical data, and policy this book provides a fresh analysis of sustainable finance. It explains the sustainability challenges for corporate investment and shows how finance can steer funding to certain companies and projects without sacrificing return, speeding up the transistion to a sustainable economy.

The War on Cash

Author : David McRee
Publisher : Humanix Books
ISBN 13 : 1630061549
Total Pages : 161 pages
Book Rating : 4.6/5 (3 download)

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Book Synopsis The War on Cash by : David McRee

Download or read book The War on Cash written by David McRee and published by Humanix Books. This book was released on 2020-06-23 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The War on Cash: How Banks and a Power-Hungry Government Want to Confiscate Your Cash, Steal Your Liberty and Track Every Dollar You Spend. And How to Fight Back is a wake-up call to everyone about the tactics being used by governments to restrict the public's use of cash and to abuse the laws for its own purposes. Powerful forces are threatening your financial freedom. All over the world, including in the United States of America, governments, certain academics, banks and non-governmental organizations (nonprofits) are working in a coordinated way to stop you from using cash. They want you to have no option but to pay for everything you buy using electronic payment systems. They want you to be unable to go to a bank and withdraw your money in cash. They want you to be afraid to have more than a few dollars cash on your person, in your home, or in your car. In The War on Cash, David McRee: Outlines the tactics being used by governments and their banking and financial services allies to restrict the public's use of cash, and to abuse the laws for their own purposes Explains how the huge payment processing companies understand that getting a piece of every financial transaction in the world is worth trillions of dollars Details why the data collection industry is also salivating over the profit potential of massive data collection, analysis and sales, costing you money and your personal privacy and freedoms Covers how the use and possession of cash is essential to a free and prosperous society McRee gives the reader the information and tools to fight back against government control and collectivism and capitalism and individual liberty.

Throwing the Elephant

Author : Stanley Bing
Publisher : Harper Collins
ISBN 13 : 0061791318
Total Pages : 244 pages
Book Rating : 4.0/5 (617 download)

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Book Synopsis Throwing the Elephant by : Stanley Bing

Download or read book Throwing the Elephant written by Stanley Bing and published by Harper Collins. This book was released on 2009-03-17 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: Stanley Bing follows his enormously successful What Would Machiavelli Do? with another subversively humorous exploration of how work would be different—if the Buddha were your personal consultant. What would the Buddha do—if he had to deal with a rampaging elephant of a boss every day? That is the premise of Stanley Bing’s wickedly funny guide to finding inner peace in the face of relentlessly obnoxious, huge, and sometimes smelly bosses. Taking the concept of managing up to a new cosmic plateau, Bing urges no less than a revolution of the spirit in the American workplace, turning overwrought, oppressed, stressed-out employees into models of Zen-like powers of concentration, able to take their elephant-like bosses and grey, lumbering companies and twirl them around the little finger of their consciousness. In Bing’s unique tradition of social criticism cum business self-help, Throwing the Elephant presents Four Truths (or possibly Five), a Ninefold Path, and one useful, hilarious guide to workplace sanity, success, and enlightenment that surpasses all understanding, survival.