The Impact of Public Policy on Consumer Credit

Book Description

The Impact of Public Policy on Consumer Credit presents a collection of research papers and discussions commissioned to commemorate the silver anniversary of Georgetown University's Credit Research Center in 1999. Nine topics serve as focal points for the volume, with the general theme `What do we know, what do we need to know?' about the functioning of consumer credit markets at the beginning of the 21 ^st century. Because the growth of household debt and the consequences of household debt burden have dominated discussion in both the media and policy arenas for decades, `Credit Growth and the Burden of Debt' is the theme for the first group of three papers. The papers address the cultural evolution of consumer credit in the U.S., the rise in consumer indebtedness and the alarming surge in personal bankruptcies. A second grouping of three papers takes a distinctly policy-oriented tack and examines questions regarding consumer access to credit (mortgage markets and evidence of discrimination), consumer protection through mandatory disclosure of information (Truth-in-Lending regulations), and the general state of financial literacy among the population of young consumers entering credit markets for the first time. The final three papers in this volume examine how technological innovations in risk management (through statistical risk scoring models), marketing (through use of personal information for targeted marketing) and finance (through securitization of consumer loans) have impacted the availability of credit products and sparked new public policy questions.

Federal Reserve policy during the Great Depression: the impact of interwar attitudes regarding consumption and consumer credit.: An article from: Journal of Economic Issues

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Federal Reserve policy during the Great Depression: the impact of interwar attitudes regarding consumption and consumer credit.: An article from: Journal of Economic Issues
Paul J. Kubik
Manufacturer: Association for Evolutionary Economics
ProductGroup: Book
Binding: Digital

Credit Ratings & Repair | Personal Finance | Business & Investing | Subjects | Books

Book Description

This digital document is an article from Journal of Economic Issues, published by Association for Evolutionary Economics on September 1, 1996. The length of the article is 6084 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

From the supplier: Federal Reserve policies during the Great Depression were heavily influenced by interwar attitudes on consumption, saving and consumer credit. The advent of new consumer products such as the automobile and electrical appliances in the interwar years resulted in new credit devices and installment financing. These events led to Federal Reserve officials' belief that a period of debt and asset liquidation was essential for the future survival of the economy.

Citation Details
Title: Federal Reserve policy during the Great Depression: the impact of interwar attitudes regarding consumption and consumer credit.
Author: Paul J. Kubik
Publication: Journal of Economic Issues (Refereed)
Date: September 1, 1996
Publisher: Association for Evolutionary Economics
Volume: v30 Issue: n3 Page: p829(14)

Distributed by Thomson Gale

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Effective communication is a crucial life skill, and John Gray's Mars and Venus series has helped millions peacefully sort out emotional issues in their personal relationships. Now he turns his attention to the professional side of life with Mars and Venus in the Workplace. The concepts remain the same, but are in an entirely new setting; as he says in the introduction, "although gender differences are often not as obvious in the workplace, they are there and are often misunderstood."

Gray proceeds to cover a variety of situations typical on the job, from solving revenue problems to negotiating a raise. With his important points printed in bold type, and plenty of prioritizing lists and straightforward examples, this is an easy read that allows you to focus on finding the solutions you seek, rather than wading through research terminology.

If you are new to Gray's work, the continual gender-based assumptions may feel outdated, but know the author understands that no one is all male or all female and that we all have areas of sensitivity. The recurring gender pronouns are a simple way of teaching us what years of private practice have shown him: humans of both gender can benefit greatly by listening effectively, being verbally straightforward, and analyzing the reactions of others. --Jill Lightner

Book Description

John Gray shows that by understanding the differences between men and women in the workplace, anyone can identify and respond to various business approaches in a manner that earns greater respect and promotes increased cooperation. By recognizing how men and women interpret behaviors and reactions differently, a person can make more informed choices of how to make the best impression.

Mars and Venus in the Workplace analyzes the differences in the ways men and women communicate, solve problems, react to stress, earn respect, promote themselves, experience emotional support, minimize conflict, score points, view sex, and ask for what they want. By showing the many ways men and women misunderstand and misinterpret each other in the workplace, John Gray offers practical advice on reducing unnecessary conflict and frustration. Filled with his trademark communications charts and practical advice on everyday office issues, Mars and Venus In The Workplace will enable readers to achieve their goals and to make the workplace a source of fulfillment.

Customer Reviews:

Try working in a school system, Dr. Gray.......2006-11-18

I would like to cordially invite Dr. John Gray to visit and work in the public school system, of which many campuses are run exclusively by women. These women can be very matter-of-fact, get-down-to-business and get-the-job-done. Those gals are there to work. Some of them try to bond emotionally and some do not. But they get their jobs done. They often have to do things they don't "feel" like doing, but they do it and they do it darned well.

I think the best cross-gender communication, whether at work or socially, can be as follows;

1. Listen as well as talk.
2. Respect the other person's views.
3. Don't try to make a psychological statement about another person's style, whether male or female.
4. Don't hog the limelight.
5. Respond with empathy.
6. Park your ego outside the door.

In other words, practice GOOD MANNERS!

It works every time.

Different Planets?.......2004-07-31

I think John Gray has brilliantly created the captivating concept of the coexisting male and female planets of behavior. Women are Venusians, and men are Martians. We all laugh and joke about it, but never truly understand. It was written in a way we can all relate. The book is not only informative, but entertaining. Sure, I enjoy research and stats but this was real life in action. When reading the scenarios you immediately recall a situation of which you have experienced and it's almost like problem solving along the way. These ideas are good for everyone.
Of course neither planet is right or wrong, a great combination is best. Since reading this book, I have developed more "Martian" characteristics, but I will never give up my collaborating "Venusian" style. I have mixed both styles and I think this has made me a better communicator in the workplace.
In the business world if you know each other's planet you are at an advantage. There can be so many misinterpretations if you don't understand the other planet. Knowing more about Mars has made me happier at home and more confident at work.
This book will help you understand the differences in men and women when it comes to problem solving. Women chat about it and men want to be alone. In the business world, it is important to think about. Unfortunately, some male managers can see chatting as a sign of weakness. This sounds really discriminating, but it can be true in certain situations, particularly at meetings. And when it comes time for reviews and appraisals women often don't credit themselves for ideas as a man would.
I have read many pop culture self-help books and this book really made me self evaluate my Venusian ways and I definitely need to develop more `Martian style' to balance out my sometimes too over powerful `Venusian style'. But as the book states-it's not about changing you, but just to better your understanding of how men and women behave and communicate. This book can completely improve your workplace relationships since you will have a different perspective.

Of COURSE we're different!!.......2002-04-08

The biggest thing missing from my MBA education was learning how to interact with other people. Business is nothing if we can't communicate effectively and regularly. This book explains in clear terms how men can understand women and communicate effectively. We men can't talk to women the way we do with other men. We are very different. By following Dr. Gray's guidelines, men can learn how to earn the trust and respect of female co-workers. We can learn easy ways to speak the woman's language and understand her perceptions. The most fascinating aspect is the description of women's emotions, what they mean, and positive responses men can use to increase productivity and create a pleasant workplace. Working in harmony is the only way to go.

I should think that this book can be especially helpful to women, as they are basically working in a world that has been designed and run by men. As Dr. Gray says, a woman's challenge in the workplace is greater than a man's. While the books and research of Gail Evans and Dr. Deborah Tannen and others have described gender differences, this book by Dr. Gray sheds light on many aspects of workplace problems and offers solutions that are easy, respectful, effective, and even fun.

Another outstanding mars venus book.......2002-03-15

Dr Gray has done it again...another outstanding book.His insights have assisted me with my male(martians)client.My practice is now brimming with males....because I now understand not to give unsolicited advice...but rather ask better questions.The tools and skills should be taught in schools.I wish I had of know the differences when I first started out in the workplace.Bravo Dr Gray...
It is truly amazing how little changes make such big differences.The quality of my relationships since using the mars venus principles has gone to levels I had never dreamed of!
As a single parent with two boys,I am grateful for all the knowledge and practical advice....It is wonderful to have such a close connection with them.
I would suggest everyone in the workplace read this.How wonderful to go back to basics,courtsey,shivilery.I could only image how much more pleasant,loving and caring the world would be if everyone adopted Grays work!
Keep up the much needed work! God bless him for trying to open peoples eyes and hearts!!!!

Workplace is right on!.......2002-03-14

I found myself underlining everything! In true J.G. fashion, he has described the human condition, and the way we interact.I thought it was brilliant, and very helpful in particular for understanding myself and the opposite sex in regards to problems solving and dealing with stress.

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Mars and Venus in the Workplace
John Gray
Manufacturer: audible.com
ProductGroup: Book
Binding: Audio Download

Workplace | Organizational Behavior | Business & Investing | Subjects | Books
ASIN: B000AQQH6K

Mars and Venus in the Workplace: Improving Communication and Getting Results at Work (Unabridged)

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Mars and Venus in the Workplace: Improving Communication and Getting Results at Work (Unabridged)
John Gray
Manufacturer: audible.com
ProductGroup: Book
Binding: Audio Download

Workplace | Organizational Behavior | Business & Investing | Subjects | Books
ASIN: B000AQQH6A

Book Description

The end of the Cold War has released some hitherto suppressed trends in international society that are reshaping international order, such as globalisation and its nemesis -- fragmentation. This volume analyses the current transformation of the character of the state as the principal actor of international society and related changes in the structure of international society. International law, especially its fundamental principles, such as sovereign equality of states, non-use of force, non-interference, respect for human rights, and self-determination of peoples, reflect some basic characteristics of the state and the structure of international society. Because of significant changes going on in the latter, many crucial principles of international law have ceased to reflect the reality. Moreover, fundamental principles often come into conflict with each other since they reflect main characteristics of different international societies -- Westphalian and post-Westphalian. Part I of the volume analyses theoretical issues of international law, such as the nature of international law, its place in the world and its sources, and the relationship between international and domestic law. After the study of the changing world political landscape in Part II, Part III concentrates on contemporary issues of the use of force, human rights, and humanitarian law.

Book Description

This digital document is an article from Scandinavian Studies, published by Society for the Advancement of Scandinavian Study on June 22, 2000. The length of the article is 713 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: On Tychos Island: Tycho Brahe and His Assistants, 1570-1601.(Review) (book review)
Author: Jole Shackelford
Publication: Scandinavian Studies (Refereed)
Date: June 22, 2000
Publisher: Society for the Advancement of Scandinavian Study
Volume: 72 Issue: 2 Page: 256

Article Type: Book Review

Distributed by Thomson Gale

Book Description

This digital document is an article from Canadian Journal of History, published by University of Saskatchewan on April 1, 1999. The length of the article is 855 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: The Enlightenment of Joseph Priestley: A Study of His Life and Work from 1733 to 1773.(Review)
Author: John G. McEvoy
Publication: Canadian Journal of History (Refereed)
Date: April 1, 1999
Publisher: University of Saskatchewan
Volume: 34 Issue: 1 Page: 109

Article Type: Book Review

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The Enlightenment Of Joseph Priestley: A Study Of His Life And Works From 1733 To 1773

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The Enlightenment Of Joseph Priestley: A Study Of His Life And Works From 1733 To 1773
Robert E. Schofield
Manufacturer: Pennsylvania State University Press
ProductGroup: Book
Binding: Paperback
ASIN: B000ORDOO8

Book Description

Darwin's greatest accomplishment was to show how life might be explained as the result of natural selection. But does Darwin's theory mean that life was unintended? William A. Dembski argues that it does not. As the leading proponent of intelligent design, Dembski reveals a designer capable of originating the complexity and specificity found throughout the cosmos. Scientists and theologians alike will find this book of interest as it brings the question of creation firmly into the realm of scientific debate. Updated with a new Preface by the author.

Customer Reviews:

Stop trying to fill in the blanks.......2007-07-11

Even if someone decided to believe that evolution cannot explain every single detail about nature, there is no reason to simply fill in the blanks with some kind of god.

A lack of complete knowledge is a reason to keep studying and keep searching for the verifiable answer. To fill in the gaps of our knowledge with "god did it" is senseless and irresponsible logic.

An excellent argument, intelligently presented.......2006-08-21

I was surprised to see this book tagged by someone named "John" (most likely the John Kwok who reviewed the book below) with 'science fiction.' Ironically, avowed atheist and evolutionist Richard Dawkins once stated that "this book [referring to one of his books] should be read as though it is science fiction."

This book is very technically complex with mathematics that went completely over my head. However, the fact remains that evolution does not answer all the questions that neo-Darwinians wished it did. Intelligent design provides that answer. If an arrowhead were found, an archaeologist would study it and classify it as perhaps coming from the Bronze Age. But to then turn around and state that the more highly complex DNA molecule 'just happened' by 'blind, random chance' is a huge leap of faith and seems, by all accounts, unreasonable and illogical.

Intelligent design is not simply going to go away because a few atheists and scientists want it to. A poll revealed that 51% of Americans doubt the validity of evolution. Does this mean that they are all 'stupid' and 'uninformed' as Dawkins once claime? No, it does not. It means that the evidence for evolution has not completely convinced them. Religion may or may not be a factor, since even agnostics put their trust in intelligent design. To dismiss it as being a theological or religious argument ignores this fact and reduces it to a philosophical debate, not an empirical one.

'Tis Philosophical Nonsense, Might as Well be a Text on Klingon Cosmology............2006-08-14

I had once remarked, in a previous Amazon.com review of another book written by William Dembski, how I was amazed by his literary productivity, observing that he had published far more books in a short span of time than either Niles Eldredge or Frank McCourt combined (I am sure that both Eldredge and McCourt would be in complete agreement.). My amazement continues in my latest review of "No Free Lunch: Why Specified Complexity Cannot Be Purchased without Intelligence", since Dembski has had more time writing self-serving defenses of Intelligent Design and his "explanatory filter" than conducting any serious research which could shed some light on this issue. Once more, Dembski uses some intellectually sloppy logic to contend that irreducible complexity cannot be the result of anything other than intelligence, presumably from the hand of an Intelligent Designer (He's unnamed, but for those who wish to understand who the Designer is, then you should realize that this individual is known to millions as Jehovah, Allah, Ahura Mazda, or rather, in plain English, our Christian Lord, GOD.). As another customer reviewer has noted aptly, Dembski has provided a transparently sophisticated statement of William Paley's "Watch maker" argument, which was considered, then refuted, by leading scientists during the 18th and 19th Centuries, many of whom were also members of the Protestant clergy, especially in Great Britain (In other words, "Intelligent Design" is not a bold new scientific theory, but merely, the rebirth of an outmoded, intellectually disingenuous idea which was rejected by prominent scientists hundreds of years ago.).

The arguments presented by Dembski are not only intellectually dishonest, but now, irrelevant, as determined by Republican Federal Judge John Jones in his landmark, historic decision for the Kitzmiller vs. Dover Board of Education trial; Jones concluded that intelligent design is a religious doctrine masquerading as science (It is posted online:

htttp://www2.ncseweb.org/kvd/all_legal/2005-12-20_kitzmiller_decision.pdf).

Furthermore, thoughtful, reasonable conservatives like Charles Krauthammer and George Will have written lucid, brilliant columns praising the theory of evolution via natural selection, and condemning intelligent design for being an unscientific, religious doctrine (EDITORIAL NOTE: I greatly appreciate Luther Lucidity's thoughtful comments on Intelligent Design (SEE BELOW), which merely emphasize my point that it is an intellectually dishonest misappropriation of science, and a point that Judge Jones would be in complete agreement.).

There are other, more important - and intellectually sound - books available on the so-called "creation vs. evolution" controversy (Intelligent Design has been judged correctly as the latest flavor of creationism enjoying some popularity amongst fundamentalist Protestant Christians; one notable biologist has referred to it as "reborn creationism".), which I regard as more worthy than any of Dembski's self-serving defenses of Intelligent Design. Philosopher Robert Pennock's "Tower of Babel" is a splendid historical overview and philosophical deconstruction of creationism, including the best written rebuke of "Intelligent Design" which I've come across (He also covers Dembski's "explanatory filter", and demolishes it too from a philosophical perspective.). Philip Kitcher, another philosopher, published "Abusing Science: The Case Against Creationism" back in the early 1980s, but his arguments are still quite valid today. My friend Ken Miller's "Finding Darwin's God" has an eloquent critique of Intelligent Design, focusing on Michael Behe's mousetrap model of irreducible complexity which claims to bestow validity on Intelligent Design. Distinguished American Museum of Natural History (AMNH) invertebrate paleobiologist Niles Eldredge offers yet another brilliant critique of Intelligent Design in his book "Darwin: Discovering the Tree of Life", the elegant companion volume to the AMNH Darwin exhibition which he curated, soon to embark on a tour taking it to many of North America's and Great Britain's finest science museums. And last, but not least, Eugenie Scott, Executive Director, National Center for Science Education (www.ncseweb.org), has written a fine textbook on this issue, "Evolution vs. Creationism". All of these books are more desirable than Dembski's "No Free Lunch". Otherwise, if you insist on purchasing this book, then perhaps you might choose to acquire instead a splendid text devoted to Klingon cosmology (Neither Klingon cosmology nor "Intelligent Design" can be regarded as scientific, since both depend on faith, not reason, to validate their principles.).

A Mathematical Proof of Intelligent Design.......2006-06-22

No Free Lunch, the sequel to mathematician and philosopher William Dembski's Cambridge University Press book The Design Inference, explores key questions about the origin of specified complexity. Dembski explains that the Darwinian search mechanism of random mutation coupled with natural selection is incapable of generating novel complex, specified information (CSI).

This observation translates into "No Free Lunch" (NFL) theorems, which Dembski explains are inherent constraints upon natural systems. Natural Darwinian mechanisms can shuffle this information around, but only intelligence can generate novel CSI. In other words, when it comes to generating truly novel biological complexity, Darwin can have no free lunch.

Some critics have asserted that he has never applied his model for detecting design to any real biological systems. The latter half of this book debunks this fallacious objection, and provides a detailed calculation of the CSI found in the bacterial flagellum. Dembski assesses the complexity of the flagellum on various levels, including its protein parts and its assembly instructions, finding that the amount of CSI contained in the flagellum vastly outweigh the probabilistic resources available in the history of the universe to construct such a structure, absent intelligent design.

No Free Lunch demonstrates that design theory shows great promise of providing insight in the field of evolutionary computation. If Dembski is right, then the ability of genetic algorithms to solve complex problems is a function of the amount of intelligent design inputted by their programmers.

ignore the naysayers.......2006-03-24

Ignore the one-star reviews. The unifying factor in all of them is an irrational hatred of Christianity, a misrepresentation of both Christian teachings and ID, and a reliance on ad hominem attacks. Really, now, I thought most people got beyond such name-calling by about, oh, the third grade.

Despite the bombast, no one has adequately answered either Behe or Dembski. I think the evolutionists would be embarrassed by now by their reliance on so many just-so stories to support an increasingly implausible theory.

No Free Lunch: Why Specified Complexity Cannot Be Purchased Without Intelligence

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No Free Lunch: Why Specified Complexity Cannot Be Purchased Without Intelligence
William A. Dembski
Manufacturer: Rowman & Littlefield
ProductGroup: Book
Binding: Hardcover
ASIN: B000LZD4CA

Customer Reviews:

Excellent joke book........1999-01-18

This book features only QUOTED jokes. Every joke is attributed to the original comedian or humorist who said it...from Woody Allen, Steve Allen and Fred Allen to Donna Jean Young and Henny Youngman!

Comedy Quotes from the Movies: Over 4,000 Bits of Humorous Dialogue from All Film Genres, Topically Arra Nged and Indexed (McFarland Classics)

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Comedy Quotes from the Movies: Over 4,000 Bits of Humorous Dialogue from All Film Genres, Topically Arra Nged and Indexed (McFarland Classics)
Larry Langman , and Paul Gold
Manufacturer: McFarland & Company
ProductGroup: Book
Binding: Paperback

General | Movies | Entertainment | Subjects | Books

Reference | Movies | Entertainment | Subjects | Books

Quotations | Reference | Subjects | Books

General | Performing Arts | Arts & Photography | Subjects | Books
ASIN: 0786411104

Book Description

Clever repartee, double entendres, punch lines and many other variations of humor have been a staple of movie dialogue since the advent of talkies. Collected here are over 4,000 of the best comedic lines from the movies. The compilers of this book have tried to bring together some of the funniest, wittiest and most outrageous snatches of dialogue on film over a sixty year time period. For each entry the authors set the quotation in context, provide the name of the actor or actress, the name of the movie and the year of release. The quotations are arranged by a broad range of categories, such as politics, food and eating, gambling, and many others. A title index and a name index follow the body of the book.

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