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Charging Ahead

Author: Ronald J. Mann
Publisher: Cambridge University Press
ISBN: 1139459090
Size: 67.18 MB
Format: PDF
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This book was the first comprehensive treatment of credit cards in the global economy. The topic is timely not only because of the attention focused on cards as a contributor to the substantial rise in consumer borrowing, but also because of the role of cards in the recent retrenchment in the U.S. bankruptcy system. Relying on data from the US, the UK, Canada, Australia, and Japan, Charging Ahead includes the first careful statistical analysis of the relation between the rise of credit card use and broader macroeconomic phenomena like consumer borrowing, savings, and bankruptcy. It also provides a broad narrative of how credit cards have come to be used so differently around the world. Finally, it sets out a detailed and coherent program for regulatory intervention grounded in both empirical analysis and the existing theoretical literature.

Seduction By Contract

Author: Oren Bar-Gill
Publisher: Oxford University Press
ISBN: 019966336X
Size: 75.65 MB
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Seduction by Contract explains how consumer contracts emerge from market forces and consumer psychology. Consumers' predictable mistakes - they are short-sighted, optimistic, and imperfectly rational - compel sellers to compete by hiding the true costs of products in complex, misleading contracts. Only better law can overcome the market's failure.

Consumer Credit Debt And Bankruptcy

Author: Johanna Niemi
Publisher: Bloomsbury Publishing
ISBN: 1847315224
Size: 19.92 MB
Format: PDF, ePub
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After a long period of prosperity and steady economic growth, the world's leading economies are now in crisis, and although there will be debate about its origins, the scale and seriousness of the crisis is in no doubt. There is also no doubt that excessive amounts of consumer credit, allied to a weak understanding of how globalised credit markets might react to a crisis, have played a significant part. This book, which is primarily about credit, debt and the trouble they have led to, is written by authors who have specialised in researching into over-indebtedness, that is, situations in which an individual's debt burden has become overwhelming. For these authors the plight of individuals is a primary concern, but the wider issue is how credit is used and how it changes societies. The essays in this volume, addressing topics which are fundamental to our understanding of the current crisis, range widely across the whole sector of consumer finance, including mortgages, 'credit-binges', the regulation of consumer lending, insolvency, repayment plans, debt counselling and much more besides. The conclusions drawn from the book are equally wide-ranging, but above all the lesson learned from these essays is that the financialisation of contemporary life ensures that issues of the appropriate role of credit remain of critical importance in society.

Boilerplate

Author: Margaret Jane Radin
Publisher: Princeton University Press
ISBN: 1400844835
Size: 21.22 MB
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Boilerplate--the fine-print terms and conditions that we become subject to when we click "I agree" online, rent an apartment, enter an employment contract, sign up for a cellphone carrier, or buy travel tickets--pervades all aspects of our modern lives. On a daily basis, most of us accept boilerplate provisions without realizing that should a dispute arise about a purchased good or service, the nonnegotiable boilerplate terms can deprive us of our right to jury trial and relieve providers of responsibility for harm. Boilerplate is the first comprehensive treatment of the problems posed by the increasing use of these terms, demonstrating how their use has degraded traditional notions of consent, agreement, and contract, and sacrificed core rights whose loss threatens the democratic order. Margaret Jane Radin examines attempts to justify the use of boilerplate provisions by claiming either that recipients freely consent to them or that economic efficiency demands them, and she finds these justifications wanting. She argues, moreover, that our courts, legislatures, and regulatory agencies have fallen short in their evaluation and oversight of the use of boilerplate clauses. To improve legal evaluation of boilerplate, Radin offers a new analytical framework, one that takes into account the nature of the rights affected, the quality of the recipient's consent, and the extent of the use of these terms. Radin goes on to offer possibilities for new methods of boilerplate evaluation and control, among them the bold suggestion that tort law rather than contract law provides a preferable analysis for some boilerplate schemes. She concludes by discussing positive steps that NGOs, legislators, regulators, courts, and scholars could take to bring about better practices.

A Debtor World

Author: Ralph Brubaker
Publisher: Oxford University Press
ISBN: 0199969329
Size: 80.22 MB
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A Debtor World contains a collection of contributions about the societal implications of private debt. The essays comprising this volume are authored by dozens of leading U.S. and international academics who have written about debt or issues related to debt in a wide range of disciplines including law, sociology, psychology, history, economics, and more. The goal of this collection is to explore debt neither as a problem nor a solution but as a phenomenon and to promote the exchange of knowledge to better comprehend why consumers and businesses decide to borrow money. It asks what happens to businesses and consumers under a heavy debt load, and what legal norms and institutions societies need to encourage the efficient use of debt while promoting a greater understanding of the global phenomenon of increased indebtedness and societal dependence.

I O U S A

Author: Addison Wiggin
Publisher: John Wiley & Sons
ISBN: 9783527504664
Size: 72.82 MB
Format: PDF
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Dieses Buch ist eine Warnung. Die Lage ist ernst in den Vereinigten Staaten. Im Zuge der Immobilienkrise hat die amerikanische Staatsverschuldung 10 Billionen US-Dollar erreicht. Und die Krise ist noch langst nicht vorbei. Weitere Banken drohen pleite zu gehen, die Ol- und Benzinpreise steigen, der Konsum schwachelt und immer mehr Amerikaner sind bereits in jungen Jahren hoch verschuldet. Fur viele Angehorige der Generation der Baby Boomer stellt sich kurz vor dem Ruhestand die Frage: Was passiert mit unserem Geld und reichen die Sozialversicherungsleistungen? Amerika muss umdenken, die Verschwendungen in Politik und Wirtschaft mussen aufhoren, sonst steuert das Land in ein okonomisches Desaster von epischen Ausma?en. Die Alarmlampen leuchten bereits grell rot - was soll noch geschehen? Die Autoren Addison Wiggin und Kate Incontrera fuhrten Interviews mit namhaften Vertretern aus Wirtschaft und Politik, z. B. Warren Buffett, den ehemaligen Finanzministern Paul O'Neill und Robert Rubin, Pete Peterson, dem CEO von The Blackstone Group, und dem Bestseller-Autor Bill Bonner (Mobs, Messiahs, and Markets). Bewaffnet mit diesen Interviews, historischen Hintergrunden und statistischen Erhebungen entmystifiziert das Buch die Finanzpolitik und -pratiken der USA und wirft einen unterhaltsamen Blick auf die 4 Defizite, mit denen das Land sich auseinandersetzen muss: das Haushalts-Defizit, das Defizit in der personlichen Vorsorge, das Handels-Defizit und das Fuhrungs-Defizit in Washington. Defizite, mit denen sich auch der neu gewahlte amerikanische Prasident Barack Obama wahrend seiner Amtszeit befassen muss. Seine Wahl zeigt die enorme Bereitschaft der Amerikaner zum Wandel. Endlich muss Schluss sein mit dem "Business-as-usual" in Washington. Es wird Zeit eine veranderte, wirtschaftlich und finanziell stabile Nation zu schaffen.

Trump The Art Of The Deal

Author: Donald J. Trump
Publisher: Plassen Verlag
ISBN: 3864704804
Size: 48.97 MB
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Donald Trump in Action – im Business, im Alltag, mit seinen Freunden, seinen Geschäftspartnern, seiner Familie. Hier finden Sie seine elf goldenen Regeln, destilliert aus seinen großartigsten Deals. Das ultimative Lesevergnügen für jeden, der Geld verdienen und erfolgreich sein möchte. Und seit dem 20. Januar 2017 auch für jeden, der verstehen möchte, wie der mächtigste Mann der Welt denkt.

Shortchanged

Author: Howard Jacob Karger
Publisher: Berrett-Koehler Publishers
ISBN: 1576753360
Size: 55.16 MB
Format: PDF
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The author explores the economic strata of predatory lending and high interest rates that surround many poor communities in the U.S., focusing on the pawnshops, payday lenders, check cashers, and credit card companies who target the economically vulnerable.