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Author: King Ki'el Publisher: ISBN: Category : Languages : en Pages : 60
Book Description
BLACK CREDIT MATTER is the must have most powerful credit repair system on the market today. BLACK CREDIT MATTER should be read by every African American who wants to repair or boost their credit score in a short period of time - 60 days or less!* Do you want to be able to buy the house of your dreams with a decent interest rate?* Do you want to be able to buy a nice car with a good interest rate?* Do you want to start a business and gain your psychical freedom?* Are you interested in getting a better job?All of these things are made more difficult if you have bad credit, or a low credit score, but there is hope. My new book is the master key, and it will give you the secret to unlocking good credit for African Americans right now.
Author: King Ki'el Publisher: ISBN: Category : Languages : en Pages : 60
Book Description
BLACK CREDIT MATTER is the must have most powerful credit repair system on the market today. BLACK CREDIT MATTER should be read by every African American who wants to repair or boost their credit score in a short period of time - 60 days or less!* Do you want to be able to buy the house of your dreams with a decent interest rate?* Do you want to be able to buy a nice car with a good interest rate?* Do you want to start a business and gain your psychical freedom?* Are you interested in getting a better job?All of these things are made more difficult if you have bad credit, or a low credit score, but there is hope. My new book is the master key, and it will give you the secret to unlocking good credit for African Americans right now.
Author: Amanda D. Shelton Publisher: Credit ISBN: 9781797567501 Category : Education Languages : en Pages : 226
Book Description
The movement for empowerment through financial literacy in the African American community is especially critical. This journal is a resource that encourages, empowers and motivates African Americans and people of color to strive towards breaking down those financial barriers that enslaves us. This first planner series is dedicated to the concepts and terms of credit.
Author: Frederick F. Wherry Publisher: Russell Sage Foundation ISBN: 1610448847 Category : Social Science Languages : en Pages : 176
Book Description
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: Philip T. Hoffman Publisher: Princeton University Press ISBN: 0691182175 Category : Business & Economics Languages : en Pages : 320
Book Description
How a vast network of shadow credit financed European growth long before the advent of banking Prevailing wisdom dictates that, without banks, countries would be mired in poverty. Yet somehow much of Europe managed to grow rich long before the diffusion of banks. Dark Matter Credit draws on centuries of cleverly collected loan data from France to reveal how credit abounded well before banks opened their doors. This incisive book shows how a vast system of shadow credit enabled nearly a third of French families to borrow in 1740, and by 1840 funded as much mortgage debt as the American banking system of the 1950s. Dark Matter Credit traces how this extensive private network outcompeted banks and thrived prior to World War I—not just in France but in Britain, Germany, and the United States—until killed off by government intervention after 1918. Overturning common assumptions about banks and economic growth, the book paints a revealing picture of an until-now hidden market of thousands of peer-to-peer loans made possible by a network of brokers who matched lenders with borrowers and certified the borrowers’ creditworthiness. A major work of scholarship, Dark Matter Credit challenges widespread misperceptions about French economic history, such as the notion that banks proliferated slowly, and the idea that financial innovation was hobbled by French law. By documenting how intermediaries in the shadow credit market devised effective financial instruments, this compelling book provides new insights into how countries can develop and thrive today.
Author: Kevin M. Lewis Publisher: AuthorHouse ISBN: 1665535946 Category : Business & Economics Languages : en Pages : 98
Book Description
In college, I started on a journey that would see me filing bankruptcy at age 30. I did not understand finances and was not taught in school. In addition, the books I read regarding money seem to have excluded some of the major challenges African-Americans face in the financial arena. This book was written to help young black people in America understand how to manage their money and achieve wealth so they do not suffer the same consequences I did.
Author: Tim Todd Publisher: ISBN: 9780974480978 Category : African American banks Languages : en Pages : 158
Book Description
Generally, books addressing the early history of African American banks have done so either within the larger construct of African American business history and economic development, or as a starting point to explore current issues related to financial services. Focused considerations of these early institutions and their founders have been relatively rare and somewhat scattered. This publication seeks to address this issue.
Author: Cj Thomas Publisher: ISBN: 9781990841361 Category : Business & Economics Languages : en Pages : 0
Book Description
In a world where credit plays a significant role in financial success, "Credit Power: Stay In The Black. Excellent Credit = Wealth" is your ultimate guide to understanding and leveraging the true potential of credit. Unlock the secrets to building excellent credit and discover how it can become your most powerful wealth-building tool. With expert insights and actionable strategies, this book equips you with the knowledge and confidence to take control of your financial destiny. Inside these pages, you'll learn: The fundamentals of credit and how it impacts your financial life The key factors that determine your creditworthiness Strategies to establish and build an excellent credit history How to navigate credit cards, loans, and debt management effectively Techniques to maximize your credit scores and maintain a healthy credit profile Proven methods to repair damaged credit and improve your financial standing The role of credit in wealth creation and long-term financial Success With clear explanations, real-life examples, and practical tips, "Credit Power" empowers you to make informed decisions about credit, avoid common pitfalls, and seize the opportunities it offers. Whether you're a young professional just starting your financial journey or someone looking to rebuild their credit, this book provides the knowledge and tools to unlock the door to economic prosperity. Don't let credit be a mystery. Take charge of your financial future, harness the power of credit, and stay in the black. The road to wealth begins with excellent credit.
Author: Walter Hood Publisher: University of Virginia Press ISBN: 0813944872 Category : Architecture Languages : en Pages : 302
Book Description
The question "Do black landscapes matter?" cuts deep to the core of American history. From the plantations of slavery to contemporary segregated cities, from freedman villages to northern migrations for freedom, the nation’s landscape bears the detritus of diverse origins. Black landscapes matter because they tell the truth. In this vital new collection, acclaimed landscape designer and public artist Walter Hood assembles a group of notable landscape architecture and planning professionals and scholars to probe how race, memory, and meaning intersect in the American landscape. Essayists examine a variety of U.S. places—ranging from New Orleans and Charlotte to Milwaukee and Detroit—exposing racism endemic in the built environment and acknowledging the widespread erasure of black geographies and cultural landscapes. Through a combination of case studies, critiques, and calls to action, contributors reveal the deficient, normative portrayals of landscape that affect communities of color and question how public design and preservation efforts can support people in these places. In a culture in which historical omissions and specious narratives routinely provoke disinvestment in minority communities, creative solutions by designers, planners, artists, and residents are necessary to activate them in novel ways. Black people have built and shaped the American landscape in ways that can never be fully known. Black Landscapes Matter is a timely and necessary reminder that without recognizing and reconciling these histories and spaces, America’s past and future cannot be understood.
Author: Perry Mehrling Publisher: John Wiley & Sons ISBN: 1118287630 Category : Business & Economics Languages : en Pages : 402
Book Description
praise for FISCHER BLACK AND THE REVOLUTIONARY IDEA OF FINANCE "The story of Fischer Black. . . . is remarkable both because of the creativity of the man and because of the revolution he brought to Wall Street. . . . Mehrling's book is fascinating." FINANCIAL TIMES "A fascinating history of things we take for granted in our everyday financial lives." THE NEW YORK TIMES "Mehrling's book is essential reading for anyone interested in the development of modern finance or the life of an idiosyncratic creative genius." PUBLISHERS WEEKLY "Fischer Black was more than a vital force in the development of finance theory. He was also a character. Perry Mehrling has captured both sides of the picture: the evolution of thinking about the pricing of risk and time, as well as the thinkers, especially this fascinating eccentric, who worked it out." ROBERT M. SOWLO, Nobel laureate and Institute Professor of Economics, Emeritus, Massachusetts Institute of Technology "Although I worked closely with Fischer for nine years at Goldman Sachs and clearly recognized both his genius and the breadth and originality of his ideas, until I read this book, I had only the vaguest grasp of the source of his inspiration and no understanding at all of the source of his many idiosyncrasies." BOB LITTERMAN, Partner, Kepos Capital "Perry Mehrling has done a remarkable job of tracing the intellectual and personal development of one of the most original and complex thinkers of our generation. Fischer Black deserved it: a charming and brilliant book about a charming and brilliant man." ROBERT E. LUCAS JR., Nobel laureate and Professor of Economics, The University of Chicago
Author: King Ki'el
Author: King Ki'el
Author: Amanda D. Shelton
Author: Frederick F. Wherry
Author: Philip T. Hoffman
Author: Kevin M. Lewis
Author: Tim Todd
Author: Mark Kennedy
Author: Cj Thomas
Author: Walter Hood
Author: Perry Mehrling