Giving Credit Where Due

Author : Gregory Smith
Publisher : Oxford University Press
Page : 230 pages
File Size : 53,8 Mb
Release : 2021-12-01
Category : Business & Economics
ISBN : 9780197644218

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Where Credit is Due by Gregory Smith Pdf

Borrowing is a crucial source of financing for governments all over the world. If they get it wrong, then debt crises can bring progress to a halt. But if it's done right, investment happens and conditions improve. African countries are seeking calmer capital, to raise living standards and give their economies a competitive edge. The African debt landscape has changed radically in the first two decades of the twenty-first century. Since the clean slate of extensive debt relief, states have sought new borrowing opportunities from international capital markets and emerging global powers like China. The new debt composition has increased risk, exacerbated by the 2020 coronavirus pandemic: richer countries borrowed at rock-bottom interest rates, while Africa faced an expensive jump in indebtedness. The escalating debt burden has provoked calls by the G20 for suspension of debt payments. But Africa's debt today is highly complex, and owed to a wider range of lenders. A new approach is needed, and could turn crisis into opportunity. Urgent action by both lenders and borrowers can reduce risk, while carefully preserving market access; and smart deployment of private finance can provide the scale of investment needed to achieve development goals and tackle the climate emergency.

Author : Frederick F. Wherry,Kristin S. Seefeldt,Anthony S. Alvarez,Jose Quinonez
Publisher : Russell Sage Foundation
Page : 175 pages
File Size : 49,6 Mb
Release : 2019-04-26
Category : Social Science
ISBN : 9781610448840

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Credit Where It's Due by Frederick F. Wherry,Kristin S. Seefeldt,Anthony S. Alvarez,Jose Quinonez Pdf

An estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one’s ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit—who are disproportionately African American and Latino—often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people who are not recognized within the financial system engage in behaviors that indicate their credit worthiness. How might institutions acknowledge these practices and help these people emerge from the financial shadows? In Credit Where It’s Due, the authors evaluate an innovative model of credit-building and advocate for a new understanding of financial citizenship, or participation in a financial system that fosters social belonging, dignity, and respect. Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners. To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.

Author : Daisy Dunn
Publisher : Liveright Publishing
Page : 336 pages
File Size : 40,8 Mb
Release : 2019-12-10
Category : Biography & Autobiography
ISBN : 9781631496400

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The Shadow of Vesuvius: A Life of Pliny by Daisy Dunn Pdf

“A wonderfully rich, witty, insightful, and wide-ranging portrait of the two Plinys and their world.”—Sarah Bakewell, author of How to Live When Pliny the Elder perished at Stabiae during the eruption of Vesuvius in 79 AD, he left behind an enormous compendium of knowledge, his thirty-seven-volume Natural History, and a teenaged nephew who revered him as a father. Grieving his loss, Pliny the Younger inherited the Elder’s notebooks—filled with pearls of wisdom—and his legacy. At its heart, The Shadow of Vesuvius is a literary biography of the younger man, who would grow up to become a lawyer, senator, poet, collector of villas, and chronicler of the Roman Empire from the dire days of terror under Emperor Domitian to the gentler times of Emperor Trajan. A biography that will appeal to lovers of Mary Beard books, it is also a moving narrative about the profound influence of a father figure on his adopted son. Interweaving the younger Pliny’s Letters with extracts from the Elder’s Natural History, Daisy Dunn paints a vivid, compellingly readable portrait of two of antiquity’s greatest minds.

Author : Carol Burnell,Jaime Wood,Monique Babin,Susan Pesznecker,Nicole Rosevear
Publisher : Unknown
Page : 128 pages
File Size : 53,6 Mb
Release : 2020
Category : Electronic
ISBN : 1636350283

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The Word on College Reading and Writing by Carol Burnell,Jaime Wood,Monique Babin,Susan Pesznecker,Nicole Rosevear Pdf

An interactive, multimedia text that introduces students to reading and writing at the college level.

Author : Donald J. Salter
Publisher : Unknown
Page : 168 pages
File Size : 52,9 Mb
Release : 2007-09-01
Category : Poetry
ISBN : 1425990630

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Poems to Give Credit Where Credit Is Due by Donald J. Salter Pdf

Author : Virginia Lee Burton
Publisher : Houghton Mifflin Harcourt
Page : 48 pages
File Size : 42,8 Mb
Release : 2010-06-28
Category : Juvenile Fiction
ISBN : 9780547350578

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Mike Mulligan and His Steam Shovel by Virginia Lee Burton Pdf

A modern classic that no child should miss. Since it was first published in 1939, Mike Mulligan and His Steam Shovel has delighted generations of children. Mike and his trusty steam shovel, Mary Anne, dig deep canals for boats to travel through, cut mountain passes for trains, and hollow out cellars for city skyscrapers -- the very symbol of industrial America. But with progress come new machines, and soon the inseparable duo are out of work. Mike believes that Mary Anne can dig as much in a day as one hundred men can dig in a week, and the two have one last chance to prove it and save Mary Anne from the scrap heap. What happens next in the small town of Popperville is a testament to their friendship, and to old-fashioned hard work and ingenuity.

Author : James P. Angelini,William F. O'Brien,David G. Tuerck,Beacon Hill Institute
Publisher : Unknown
Page : 165 pages
File Size : 47,8 Mb
Release : 1995-12-01
Category : Public welfare
ISBN : 1886320004

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Giving Credit Where Credit Is Due by James P. Angelini,William F. O'Brien,David G. Tuerck,Beacon Hill Institute Pdf

Author : John Powell,Christy Rogers
Publisher : University Press of America
Page : 403 pages
File Size : 52,6 Mb
Release : 2013-11-21
Category : Business & Economics
ISBN : 9780761856078

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Where Credit is Due by John Powell,Christy Rogers Pdf

While much recent attention has been focused on the subprime lending and foreclosure crisis, little has been said about its radically-disparate impact. Drawing upon history as well as insight into the current crisis, this book shows that this crisis is not an anomaly, especially for people of color; nor is it over. People of color have been excluded from wealth-building opportunities via homeownership continuously throughout United States history, from the outright denial of credit and residential racial discrimination, to federally-sponsored urban renewal programs. The subprime lending and foreclosure crisis is predicted to strip a quarter of a trillion dollars in wealth from black and Latino homeowners. It has reversed home ownership gains for people of color and has decimated neighborhoods across the United States while impacting local, regional, national, and international economies. The consequences are devastating. This collection of essays provides a framework for creating equitable policy and ultimately building more stable communities for all Americans.

Author : Dipankar Deb,Rajeeb Dey,Valentina E. Balas
Publisher : Springer
Page : 105 pages
File Size : 53,7 Mb
Release : 2018-12-14
Category : Science
ISBN : 9789811329470

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Engineering Research Methodology by Dipankar Deb,Rajeeb Dey,Valentina E. Balas Pdf

The book covers all the important aspects of research methodology, and addresses the specific requirements of engineering students, such as methods and tools, in detail. It also discusses effective research in engineering today, which requires the ability to undertake literature reviews utilizing different online databases, to attribute credit for any prior work mentioned, to respect intellectual property rights while simultaneously maintaining ethics in research, and much more. Further, the book also considers soft skills like research management and planning, dealing with criticism in research and presentation skills, which are all equally important and need to include in research methodology education. Lastly, it provides the technical knowhow needed to file patents in academia, an important area that is often ignored in research methodology books. The book is a particularly valuable resource for PhD students in India and South East Asia, as research methodology is a part of their coursework.

Author : Elizabeth Joyce
Publisher : Unknown
Page : 128 pages
File Size : 45,6 Mb
Release : 2019-11-12
Category : Electronic
ISBN : 1643810529

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Tumbling by Elizabeth Joyce Pdf

Elizabeth Joyce struggled with tumbling thoughts for decades, but only after a year of psychotherapy did she realize her inability to rein in her mind was a result of multiple anxiety disorders and bouts of Major Depressive Disorder. In tumbling: poetic thoughts from an anxious mind Elizabeth invites us to explore the intimate thoughts tumbling around in her anxious mind through a collection of poetry and prose written throughout her life. She packs a powerful arc into the short, chapbook-size collection, touching on her darkest moments and culminating in her ultimate hope. Anyone struggling with their mental health will appreciate this impactful read as an affirmation they are not alone, and those with loved ones who struggle with mental illnesses will get a glimpse into their world. In sharing her story as a child, friend, spouse, and parent who struggles with anxiety, Elizabeth's true hope is to chip away at the long-standing stigmas surrounding mental health by raising awareness and understanding.

Author : Perfection Learning Corporation
Publisher : Turtleback
Page : 128 pages
File Size : 44,6 Mb
Release : 2019
Category : Electronic
ISBN : 1663608199

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Last Lecture by Perfection Learning Corporation Pdf

Author : Industry Canada,Competition Bureau Canada
Publisher : Competition Bureau Canada
Page : 45 pages
File Size : 42,9 Mb
Release : 2014-03-10
Category : Business & Economics
ISBN : 9781100232409

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The Little Black Book of Scams by Industry Canada,Competition Bureau Canada Pdf

The Canadian edition of The Little Black Book of Scams is a compact and easy to use reference guide filled with information Canadians can use to protect themselves against a variety of common scams. It debunks common myths about scams, provides contact information for reporting a scam to the correct authority, and offers a step-by-step guide for scam victims to reduce their losses and avoid becoming repeat victims. Consumers and businesses can consult The Little Black Book of Scams to avoid falling victim to social media and mobile phone scams, fake charities and lotteries, dating and romance scams, and many other schemes used to defraud Canadians of their money and personal information.

Author : National Academies of Sciences, Engineering, and Medicine,Health and Medicine Division,Board on Population Health and Public Health Practice,Committee on Community-Based Solutions to Promote Health Equity in the United States
Publisher : National Academies Press
Page : 583 pages
File Size : 43,9 Mb
Release : 2017-04-27
Category : Medical
ISBN : 9780309452960

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Communities in Action by National Academies of Sciences, Engineering, and Medicine,Health and Medicine Division,Board on Population Health and Public Health Practice,Committee on Community-Based Solutions to Promote Health Equity in the United States Pdf

In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.

Author : Kate Woodford,Guy Jackson
Publisher : Unknown
Page : 1550 pages
File Size : 44,8 Mb
Release : 2003
Category : Foreign Language Study
ISBN : 0521824230

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Cambridge Advanced Learner's Dictionary by Kate Woodford,Guy Jackson Pdf

The Cambridge Advanced Learner's Dictionary is the ideal dictionary for advanced EFL/ESL learners. Easy to use and with a great CD-ROM - the perfect learner's dictionary for exam success. First published as the Cambridge International Dictionary of English, this new edition has been completely updated and redesigned. - References to over 170,000 words, phrases and examples explained in clear and natural English - All the important new words that have come into the language (e.g. dirty bomb, lairy, 9/11, clickable) - Over 200 'Common Learner Error' notes, based on the Cambridge Learner Corpus from Cambridge ESOL exams Plus, on the CD-ROM: - SMART thesaurus - lets you find all the words with the same meaning - QUICKfind - automatically looks up words while you are working on-screen - SUPERwrite - tools for advanced writing, giving help with grammar and collocation - Hear and practise all the words.

Author : Kyle E. Blanchfield,Peter D. Ladd
Publisher : R&L Education
Page : 182 pages
File Size : 47,7 Mb
Release : 2013-07-01
Category : Education
ISBN : 9781475801729

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Leadership, Violence, and School Climate by Kyle E. Blanchfield,Peter D. Ladd Pdf

In the book, Leadership, Violence and School Climate: Case Studies in Creating Non-Violent Schools, three important themes are emphasized namely, democratic leadership, violence and school climate. The book recognizes that safety should be the first issue of concern when addressing school violence. However, violence in schools should not be the sole concern of outside experts who advocate for lock downs, metal detectors and bullet proof glass. Through democratic school leadership violence can be reduced by those professionals actually working in schools. The book emphasizes that reduction in school violence originates from school leaders having a comprehensive understanding of the climate found in schools. Leadership, violence and school climate are connected through the use of democratic principles that address; crisis, trauma, empowerment, common ground, critical thinking, assertiveness and others. The book points out how schools can reverse their reactionary stance to violence, and become pro-active through the practice of democratic principles.