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Author: Claire Priest Publisher: Princeton University Press ISBN: 0691241724 Category : Business & Economics Languages : en Pages : 248
Book Description
How American colonists laid the foundations of American capitalism with an economy built on credit Even before the United States became a country, laws prioritizing access to credit set colonial America apart from the rest of the world. Credit Nation examines how the drive to expand credit shaped property laws and legal institutions in the colonial and founding eras of the republic. In this major new history of early America, Claire Priest describes how the British Parliament departed from the customary ways that English law protected land and inheritance, enacting laws for the colonies that privileged creditors by defining land and slaves as commodities available to satisfy debts. Colonial governments, in turn, created local legal institutions that enabled people to further leverage their assets to obtain credit. Priest shows how loans backed with slaves as property fueled slavery from the colonial era through the Civil War, and that increased access to credit was key to the explosive growth of capitalism in nineteenth-century America. Credit Nation presents a new vision of American economic history, one where credit markets and liquidity were prioritized from the outset, where property rights and slaves became commodities for creditors' claims, and where legal institutions played a critical role in the Stamp Act crisis and other political episodes of the founding period.
Author: Claire Priest Publisher: Princeton University Press ISBN: 0691241724 Category : Business & Economics Languages : en Pages : 248
Book Description
How American colonists laid the foundations of American capitalism with an economy built on credit Even before the United States became a country, laws prioritizing access to credit set colonial America apart from the rest of the world. Credit Nation examines how the drive to expand credit shaped property laws and legal institutions in the colonial and founding eras of the republic. In this major new history of early America, Claire Priest describes how the British Parliament departed from the customary ways that English law protected land and inheritance, enacting laws for the colonies that privileged creditors by defining land and slaves as commodities available to satisfy debts. Colonial governments, in turn, created local legal institutions that enabled people to further leverage their assets to obtain credit. Priest shows how loans backed with slaves as property fueled slavery from the colonial era through the Civil War, and that increased access to credit was key to the explosive growth of capitalism in nineteenth-century America. Credit Nation presents a new vision of American economic history, one where credit markets and liquidity were prioritized from the outset, where property rights and slaves became commodities for creditors' claims, and where legal institutions played a critical role in the Stamp Act crisis and other political episodes of the founding period.
Author: Robert D. Manning Publisher: ISBN: Category : Business & Economics Languages : en Pages : 424
Book Description
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: Sarah L. Quinn Publisher: Princeton University Press ISBN: 0691185611 Category : Political Science Languages : en Pages : 310
Book Description
How the American government has long used financial credit programs to create economic opportunities Federal housing finance policy and mortgage-backed securities have gained widespread attention in recent years because of the 2008 financial crisis, but issues of government credit have been part of American life since the nation’s founding. From the 1780s, when a watershed national land credit policy was established, to the postwar foundations of our current housing finance system, American Bonds examines the evolution of securitization and federal credit programs. Sarah Quinn shows that since the Westward expansion, the U.S. government has used financial markets to manage America’s complex social divides, and politicians and officials across the political spectrum have turned to land sales, home ownership, and credit to provide economic opportunity without the appearance of market intervention or direct wealth redistribution. Highly technical systems, securitization, and credit programs have been fundamental to how Americans determined what they could and should owe one another. Over time, government officials embraced credit as a political tool that allowed them to navigate an increasingly complex and fractured political system, affirming the government’s role as a consequential and creative market participant. Neither intermittent nor marginal, credit programs supported the growth of powerful industries, from railroads and farms to housing and finance; have been used for disaster relief, foreign policy, and military efforts; and were promoters of amortized mortgages, lending abroad, venture capital investment, and mortgage securitization. Illuminating America’s market-heavy social policies, American Bonds illustrates how political institutions became involved in the nation’s lending practices.
Author: Louis Hyman Publisher: Princeton University Press ISBN: 1400838401 Category : History Languages : en Pages : 391
Book Description
The story of personal debt in modern America Before the twentieth century, personal debt resided on the fringes of the American economy, the province of small-time criminals and struggling merchants. By the end of the century, however, the most profitable corporations and banks in the country lent money to millions of American debtors. How did this happen? The first book to follow the history of personal debt in modern America, Debtor Nation traces the evolution of debt over the course of the twentieth century, following its transformation from fringe to mainstream—thanks to federal policy, financial innovation, and retail competition. How did banks begin making personal loans to consumers during the Great Depression? Why did the government invent mortgage-backed securities? Why was all consumer credit, not just mortgages, tax deductible until 1986? Who invented the credit card? Examining the intersection of government and business in everyday life, Louis Hyman takes the reader behind the scenes of the institutions that made modern lending possible: the halls of Congress, the boardrooms of multinationals, and the back rooms of loan sharks. America's newfound indebtedness resulted not from a culture in decline, but from changes in the larger structure of American capitalism that were created, in part, by the choices of the powerful—choices that made lending money to facilitate consumption more profitable than lending to invest in expanded production. From the origins of car financing to the creation of subprime lending, Debtor Nation presents a nuanced history of consumer credit practices in the United States and shows how little loans became big business.
Author: Frederic C. Rich Publisher: W. W. Norton & Company ISBN: 0393240118 Category : Fiction Languages : en Pages : 353
Book Description
When President McCain dies and Sarah Palin becomes president, America stumbles down a path toward theocracy, realizing too late that the Christian right meant precisely what it said.
Author: Ijeoma Oluo Publisher: Seal Press ISBN: 1541619226 Category : Social Science Languages : en Pages : 222
Book Description
In this #1 New York Times bestseller, Ijeoma Oluo offers a revelatory examination of race in America Protests against racial injustice and white supremacy have galvanized millions around the world. The stakes for transformative conversations about race could not be higher. Still, the task ahead seems daunting, and it’s hard to know where to start. How do you tell your boss her jokes are racist? Why did your sister-in-law hang up on you when you had questions about police reform? How do you explain white privilege to your white, privileged friend? In So You Want to Talk About Race, Ijeoma Oluo guides readers of all races through subjects ranging from police brutality and cultural appropriation to the model minority myth in an attempt to make the seemingly impossible possible: honest conversations about race, and about how racism infects every aspect of American life. "Simply put: Ijeoma Oluo is a necessary voice and intellectual for these times, and any time, truth be told." ―Phoebe Robinson, New York Times bestselling author of You Can't Touch My Hair
Author: Ibram X. Kendi Publisher: Bold Type Books ISBN: 1568584644 Category : History Languages : en Pages : 594
Book Description
The National Book Award winning history of how racist ideas were created, spread, and deeply rooted in American society. Some Americans insist that we're living in a post-racial society. But racist thought is not just alive and well in America -- it is more sophisticated and more insidious than ever. And as award-winning historian Ibram X. Kendi argues, racist ideas have a long and lingering history, one in which nearly every great American thinker is complicit. In this deeply researched and fast-moving narrative, Kendi chronicles the entire story of anti-black racist ideas and their staggering power over the course of American history. He uses the life stories of five major American intellectuals to drive this history: Puritan minister Cotton Mather, Thomas Jefferson, abolitionist William Lloyd Garrison, W.E.B. Du Bois, and legendary activist Angela Davis. As Kendi shows, racist ideas did not arise from ignorance or hatred. They were created to justify and rationalize deeply entrenched discriminatory policies and the nation's racial inequities. In shedding light on this history, Stamped from the Beginning offers us the tools we need to expose racist thinking. In the process, he gives us reason to hope.
Author: Dave Lieber Publisher: Dave Lieber ISBN: 0970853084 Category : Business & Economics Languages : en Pages : 123
Book Description
From one of America's last crusading newspaper columnists, Dave Lieber¿s Watchdog Nation shares tips, tools and strategies to bite back when businesses and scammers do you wrong. Save time, money and aggravation. Learn how you can overcome the pickpockets that call themselves the electric company, the phone company, debt collectors, banks, scammers, e-mail spammers, door-to-door salesmen and countless others who want to harm you and your family. This book contains real stories about real people ¿ by the ultimate authority on the subject. Dave Lieber is The Watchdog investigative columnist for The Fort Worth Star-Telegram in Texas. He has helped countless folks stand up for themselves, understand their rights, fight back and win. Consumers will understand how they can take advantage of laws, regulations and other methods that will help them overcome stubborn and uncaring customer service representatives on the other side of the world, companies large and small who ignore their complaints and the growing group of hard-core criminals who take advantage of modern technology to hurt you.
Author: Brian Krebs Publisher: Sourcebooks, Inc. ISBN: 1402295634 Category : Political Science Languages : en Pages : 322
Book Description
Now a New York Times bestseller! There is a Threat Lurking Online with the Power to Destroy Your Finances, Steal Your Personal Data, and Endanger Your Life. In Spam Nation, investigative journalist and cybersecurity expert Brian Krebs unmasks the criminal masterminds driving some of the biggest spam and hacker operations targeting Americans and their bank accounts. Tracing the rise, fall, and alarming resurrection of the digital mafia behind the two largest spam pharmacies-and countless viruses, phishing, and spyware attacks-he delivers the first definitive narrative of the global spam problem and its threat to consumers everywhere. Blending cutting-edge research, investigative reporting, and firsthand interviews, this terrifying true story reveals how we unwittingly invite these digital thieves into our lives every day. From unassuming computer programmers right next door to digital mobsters like "Cosma"-who unleashed a massive malware attack that has stolen thousands of Americans' logins and passwords-Krebs uncovers the shocking lengths to which these people will go to profit from our data and our wallets. Not only are hundreds of thousands of Americans exposing themselves to fraud and dangerously toxic products from rogue online pharmacies, but even those who never open junk messages are at risk. As Krebs notes, spammers can-and do-hack into accounts through these emails, harvest personal information like usernames and passwords, and sell them on the digital black market. The fallout from this global epidemic doesn't just cost consumers and companies billions, it costs lives too. Fast-paced and utterly gripping, Spam Nation ultimately proposes concrete solutions for protecting ourselves online and stemming this tidal wave of cybercrime-before it's too late. "Krebs's talent for exposing the weaknesses in online security has earned him respect in the IT business and loathing among cybercriminals... His track record of scoops...has helped him become the rare blogger who supports himself on the strength of his reputation for hard-nosed reporting." -Bloomberg Businessweek
Author: Claire Priest
Author: Claire Priest
Author: Robert D. Manning
Author: Sarah L. Quinn
Author: Louis Hyman
Author: Frederic C. Rich
Author: Ijeoma Oluo
Author: Ibram X. Kendi
Author: 
Author: Dave Lieber
Author: Brian Krebs