Creditworthy

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Publisher : Columbia University Press
ISBN 13 : 0231544626
Total Pages : 393 pages
Book Rating : 4.2/5 (315 download)

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Book Synopsis Creditworthy by : Josh Lauer

Download or read book Creditworthy written by Josh Lauer and published by Columbia University Press. This book was released on 2017-07-25 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports—and, later, credit ratings and credit scores—credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with—and determines—our social standing as an honest, reliable, profit-generating person.

The Merchants' Magazine and Commercial Review

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Author :
Publisher :
ISBN 13 :
Total Pages : 602 pages
Book Rating : 4.:/5 (891 download)

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Book Synopsis The Merchants' Magazine and Commercial Review by :

Download or read book The Merchants' Magazine and Commercial Review written by and published by . This book was released on 1841 with total page 602 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Commercial & Financial Chronicle ...

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Author :
Publisher :
ISBN 13 :
Total Pages : 968 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis The Commercial & Financial Chronicle ... by :

Download or read book The Commercial & Financial Chronicle ... written by and published by . This book was released on 1881 with total page 968 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Commercial and Financial Chronicle

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Author :
Publisher :
ISBN 13 :
Total Pages : 1362 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis The Commercial and Financial Chronicle by :

Download or read book The Commercial and Financial Chronicle written by and published by . This book was released on 1896 with total page 1362 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Purchasing Power of Money

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Publisher :
ISBN 13 :
Total Pages : 558 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis The Purchasing Power of Money by : Irving Fisher

Download or read book The Purchasing Power of Money written by Irving Fisher and published by . This book was released on 1911 with total page 558 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Financial Founding Fathers

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Publisher : University of Chicago Press
ISBN 13 : 0226910687
Total Pages : 261 pages
Book Rating : 4.2/5 (269 download)

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Book Synopsis Financial Founding Fathers by : Robert E. Wright

Download or read book Financial Founding Fathers written by Robert E. Wright and published by University of Chicago Press. This book was released on 2006-05 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: The authors chronicle how a different group of nine founding fathers forged the wealth and institutions necessary to transform the American colonies from a diffuse alliance of contending business interests into one cohesive economic superpower.

The Commercial and Financial Chronicle

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Author :
Publisher :
ISBN 13 :
Total Pages : 540 pages
Book Rating : 4.:/5 (31 download)

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Book Synopsis The Commercial and Financial Chronicle by :

Download or read book The Commercial and Financial Chronicle written by and published by . This book was released on 1898 with total page 540 pages. Available in PDF, EPUB and Kindle. Book excerpt:

In Praise of Commercial Culture

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Publisher : Harvard University Press
ISBN 13 : 0674029933
Total Pages : 289 pages
Book Rating : 4.6/5 (74 download)

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Book Synopsis In Praise of Commercial Culture by : Tyler COWEN

Download or read book In Praise of Commercial Culture written by Tyler COWEN and published by Harvard University Press. This book was released on 2009-06-30 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: Does a market economy encourage or discourage music, literature, and the visual arts? Do economic forces of supply and demand help or harm the pursuit of creativity? This book seeks to redress the current intellectual and popular balance and to encourage a more favorable attitude toward the commercialization of culture that we associate with modernity. Economist Tyler Cowen argues that the capitalist market economy is a vital but underappreciated institutional framework for supporting a plurality of co-existing artistic visions, providing a steady stream of new and satisfying creations, supporting both high and low culture, helping consumers and artists refine their tastes, and paying homage to the past by capturing, reproducing, and disseminating it. Contemporary culture, Cowen argues, is flourishing in its various manifestations, including the visual arts, literature, music, architecture, and the cinema. Successful high culture usually comes out of a healthy and prosperous popular culture. Shakespeare and Mozart were highly popular in their own time. Beethoven's later, less accessible music was made possible in part by his early popularity. Today, consumer demand ensures that archival blues recordings, a wide array of past and current symphonies, and this week's Top 40 hit sit side by side in the music megastore. High and low culture indeed complement each other. Cowen's philosophy of cultural optimism stands in opposition to the many varieties of cultural pessimism found among conservatives, neo-conservatives, the Frankfurt School, and some versions of the political correctness and multiculturalist movements, as well as historical figures, including Rousseau and Plato. He shows that even when contemporary culture is thriving, it appears degenerate, as evidenced by the widespread acceptance of pessimism. He ends by considering the reasons why cultural pessimism has such a powerful hold on intellectuals and opinion-makers.

The Commercial and Financial Chronicle

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Author :
Publisher :
ISBN 13 :
Total Pages : 1082 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis The Commercial and Financial Chronicle by :

Download or read book The Commercial and Financial Chronicle written by and published by . This book was released on 1900 with total page 1082 pages. Available in PDF, EPUB and Kindle. Book excerpt:

13 Bankers

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Publisher : Vintage
ISBN 13 : 0307379221
Total Pages : 338 pages
Book Rating : 4.3/5 (73 download)

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Book Synopsis 13 Bankers by : Simon Johnson

Download or read book 13 Bankers written by Simon Johnson and published by Vintage. This book was released on 2010-03-30 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: In spite of its key role in creating the ruinous financial crisis of 2008, the American banking industry has grown bigger, more profitable, and more resistant to regulation than ever. Anchored by six megabanks whose assets amount to more than 60 percent of the country’s gross domestic product, this oligarchy proved it could first hold the global economy hostage and then use its political muscle to fight off meaningful reform. 13 Bankers brilliantly charts the rise to power of the financial sector and forcefully argues that we must break up the big banks if we want to avoid future financial catastrophes. Updated, with additional analysis of the government’s recent attempt to reform the banking industry, this is a timely and expert account of our troubled political economy.

The Attention Merchants

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Publisher : Vintage
ISBN 13 : 0804170045
Total Pages : 434 pages
Book Rating : 4.8/5 (41 download)

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Book Synopsis The Attention Merchants by : Tim Wu

Download or read book The Attention Merchants written by Tim Wu and published by Vintage. This book was released on 2017-09-19 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the author of the award-winning The Master Switch, who coined the term "net neutrality”—a revelatory, ambitious and urgent account of how the capture and re-sale of human attention became the defining industry of our time. "Dazzling." —Financial Times Ours is often called an information economy, but at a moment when access to information is virtually unlimited, our attention has become the ultimate commodity. In nearly every moment of our waking lives, we face a barrage of efforts to harvest our attention. This condition is not simply the byproduct of recent technological innovations but the result of more than a century's growth and expansion in the industries that feed on human attention. Wu’s narrative begins in the nineteenth century, when Benjamin Day discovered he could get rich selling newspapers for a penny. Since then, every new medium—from radio to television to Internet companies such as Google and Facebook—has attained commercial viability and immense riches by turning itself into an advertising platform. Since the early days, the basic business model of “attention merchants” has never changed: free diversion in exchange for a moment of your time, sold in turn to the highest-bidding advertiser. Full of lively, unexpected storytelling and piercing insight, The Attention Merchants lays bare the true nature of a ubiquitous reality we can no longer afford to accept at face value.

Beyond Earth

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Publisher : National Aeronautis & Space Administration
ISBN 13 :
Total Pages : 396 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Beyond Earth by : Asif A. Siddiqi

Download or read book Beyond Earth written by Asif A. Siddiqi and published by National Aeronautis & Space Administration. This book was released on 2018 with total page 396 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a completely updated and revised version of a monograph published in 2002 by the NASA History Office under the original title Deep Space Chronicle: A Chronology of Deep Space and Planetary Probes, 1958-2000. This new edition not only adds all events in robotic deep space exploration after 2000 and up to the end of 2016, but it also completely corrects and updates all accounts of missions from 1958 to 2000--Provided by publisher.

The Paris Bourse ...

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Publisher :
ISBN 13 :
Total Pages : 24 pages
Book Rating : 4.:/5 (31 download)

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Book Synopsis The Paris Bourse ... by : Horace Merle Cochran

Download or read book The Paris Bourse ... written by Horace Merle Cochran and published by . This book was released on 1930 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Commercial & Financial Chronicle

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Publisher :
ISBN 13 :
Total Pages : 1072 pages
Book Rating : 4.:/5 (321 download)

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Book Synopsis The Commercial & Financial Chronicle by :

Download or read book The Commercial & Financial Chronicle written by and published by . This book was released on 1899 with total page 1072 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Slapped by the Invisible Hand

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Publisher : Oxford University Press
ISBN 13 : 0199742111
Total Pages : 232 pages
Book Rating : 4.1/5 (997 download)

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Book Synopsis Slapped by the Invisible Hand by : Gary B. Gorton

Download or read book Slapped by the Invisible Hand written by Gary B. Gorton and published by Oxford University Press. This book was released on 2010-03-08 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: Originally written for a conference of the Federal Reserve, Gary Gorton's "The Panic of 2007" garnered enormous attention and is considered by many to be the most convincing take on the recent economic meltdown. Now, in Slapped by the Invisible Hand, Gorton builds upon this seminal work, explaining how the securitized-banking system, the nexus of financial markets and instruments unknown to most people, stands at the heart of the financial crisis. Gorton shows that the Panic of 2007 was not so different from the Panics of 1907 or of 1893, except that, in 2007, most people had never heard of the markets that were involved, didn't know how they worked, or what their purposes were. Terms like subprime mortgage, asset-backed commercial paper conduit, structured investment vehicle, credit derivative, securitization, or repo market were meaningless. In this superb volume, Gorton makes all of this crystal clear. He shows that the securitized banking system is, in fact, a real banking system, allowing institutional investors and firms to make enormous, short-term deposits. But as any banking system, it was vulnerable to a panic. Indeed the events starting in August 2007 can best be understood not as a retail panic involving individuals, but as a wholesale panic involving institutions, where large financial firms "ran" on other financial firms, making the system insolvent. An authority on banking panics, Gorton is the ideal person to explain the financial calamity of 2007. Indeed, as the crisis unfolded, he was working inside an institution that played a central role in the collapse. Thus, this book presents the unparalleled and invaluable perspective of a top scholar who was also a key insider.

How to Think Like Shakespeare

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Publisher : Princeton University Press
ISBN 13 : 0691227691
Total Pages : 206 pages
Book Rating : 4.6/5 (912 download)

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Book Synopsis How to Think Like Shakespeare by : Scott Newstok

Download or read book How to Think Like Shakespeare written by Scott Newstok and published by Princeton University Press. This book was released on 2021-08-31 with total page 206 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book offers a short, spirited defense of rhetoric and the liberal arts as catalysts for precision, invention, and empathy in today's world. The author, a professor of Shakespeare studies at a liberal arts college and a parent of school-age children, argues that high-stakes testing and a culture of assessment have altered how and what students are taught, as courses across the arts, humanities, and sciences increasingly are set aside to make room for joyless, mechanical reading and math instruction. Students have been robbed of a complete education, their imaginations stunted by this myopic focus on bare literacy and numeracy. Education is about thinking, Newstok argues, rather than the mastery of a set of rigidly defined skills, and the seemingly rigid pedagogy of the English Renaissance produced some of the most compelling and influential examples of liberated thinking. Each of the fourteen chapters explores an essential element of Shakespeare's world and work, aligns it with the ideas of other thinkers and writers in modern times, and suggests opportunities for further reading. Chapters on craft, technology, attention, freedom, and related topics combine past and present ideas about education to build a case for the value of the past, the pleasure of thinking, and the limitations of modern educational practices and prejudices"--

The Origins and Development of Financial Markets and Institutions

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Author :
Publisher : Cambridge University Press
ISBN 13 : 1139477048
Total Pages : 497 pages
Book Rating : 4.1/5 (394 download)

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Book Synopsis The Origins and Development of Financial Markets and Institutions by : Jeremy Atack

Download or read book The Origins and Development of Financial Markets and Institutions written by Jeremy Atack and published by Cambridge University Press. This book was released on 2009-03-16 with total page 497 pages. Available in PDF, EPUB and Kindle. Book excerpt: Collectively, mankind has never had it so good despite periodic economic crises of which the current sub-prime crisis is merely the latest example. Much of this success is attributable to the increasing efficiency of the world's financial institutions as finance has proved to be one of the most important causal factors in economic performance. In a series of insightful essays, financial and economic historians examine how financial innovations from the seventeenth century to the present have continually challenged established institutional arrangements, forcing change and adaptation by governments, financial intermediaries, and financial markets. Where these have been successful, wealth creation and growth have followed. When they failed, growth slowed and sometimes economic decline has followed. These essays illustrate the difficulties of co-ordinating financial innovations in order to sustain their benefits for the wider economy, a theme that will be of interest to policy makers as well as economic historians.