In Confessions of a Subprime Lender: An Insider's Tale of Greed, Fraud, and Ignorance, he reveals the truth about how the subprime lending business spiraled out of control, pushed home prices to unsustainable levels, and turned unqualified applicants into qualified borrowers through creative financing. Learn about the ways the mortgage industry can be fixed with his twenty suggestions for critical change.

    Like so many good stories, it got its start from a time of great turmoil and ended in a dramatic fashion. What happened between 1920 and 1929 has passed beyond history and has become legend. The lessons of the 1920s are still relevant today. Many of the debates and issues of the era are still part of the national conversation. Economic policies, consumer behaviors and mass culture of the 1920s are reflected in our culture almost 100 years later. By understanding the past, we can better prepare for the future and this new captivating history book is all about giving you that knowledge. This book includes topics such as: World War One and the 1920s Fear of the Other Old Causes Finishing Business The Cost of Prohibition A New World African-Americans Politics and Policies How Did It All End? And much, much more! Scroll to the top and download the book now for instant access!

    If you’re curious about how the economy functions and don’t know where to start, Economics will guide you through the essentials, laying out the basic concepts and issues in the field of economics, from business cycles and free markets to social security and healthcare reform, and more. Packed with eye-opening information, key concepts, and need-to-know terms, this easy-to-read primer lets you explore economics at your own pace. Get a straightforward overview of the economy that’s stripped of overwhelming jargon, so you can gain a deeper understanding of economics as it applies to everyday life. You’ll review important background on differing economic schools of thought—from influential theories to the main thinkers driving them—so you can develop your own conclusions. Economics features: An overview of markets and how they operate A review of broad themes—like taxes, inequality, and jobs—as they apply to everyday life Explorations of business cycles covering what happens during a recession Useful timelines and real-world stories that help you travel the world of economics

    The method employed is to take the obscurantist vocabulary of monotheism and translate it into plain language. In doing so, the book attempts to show that god worshippers themselves do not understand the things they claim to believe, and by which they live their lives. For the reader who believes in god, this polemical little volume may help them to understand why secularists get so frustrated and infuriated when in debate with god worshippers. For the secularist, this book is a reminder that not everyone is susceptible to reasoned argument. The reminder is a timely one for those who live in an era of the resurgence of Islamic Jihad. A clear understanding of the irrationality of monotheism is something which matters urgently when confronted by the global rise of religious fascism. What is said in this little book will no doubt be found impolite and overly-provocative by those authoritarian people within the politically correct establishment who conflate morality with niceness. They will probably utter the familiar refrain that we ought not to denigrate other people’s deeply and sincerely held beliefs. Instead we should live in a permanent state of apology for the crime of having minds of our own. But religions are no more above criticism than any other ideologies. They have no entitlement to a privileged status. Besides which, large numbers of god worshippers feel free to denigrate and insult everyone else’s deeply and sincerely held beliefs, so why should they have special permission to be hypocrites? Topics covered: 01. God 02. Prayer 03. Worship 04. God the Infinite 05. Immortality and Heaven 06. Soul / Spirit 07. Salvation 08. Faith 09. Spreading The Word 10. Theocracy 11. Theocracy and Nuclear Armageddon 12. God, Guilty of Genocide 13. Religion and Morality are Mutually Exclusive 14. God worship is Immoral 15. God worship is Obscene 16. Everything is God’s Fault 17. If it’s in The Book, then it Must be True 18. Claiming Incomprehensible Beliefs 19. Is Islamism the New Fascism? 20. The Moderates

    The ideas will astonish you; and you'll feel empowered as they comfort, encourage, and enlighten you on your journey to financial deliverance. Hidden Treasures is about finding riches after having obtained a hope in Christ, for the intent to do good. But even more, it's about discovering treasures of wisdom and knowledge which have been promised to those who diligently seek. Many have wondered, "If the 'Righteous Shall Prosper, ' Why am I so Broke?" Or, "Should I just give in to 'setting my heart upon riches, ' or simply resign myself to the smothering prison of debt and the stain of poor credit?" This book addresses these questions and many more to help you attain your personal and financial goals.

    With a few words, the Fed can lift the stock market out of desperation and catapult it towards euphoric highs. With a few keystrokes, the Fed can conjure up trillions of dollars and fund virtually unlimited Federal spending. And with a few poor decisions, the Fed can plunge the entire world into a recession. The Federal Reserve is one of the most powerful institutions in the world, and also one of the most difficult to understand.The Fed acts through its Open Markets Desk, which sits at the heart of the global financial system as the world's ultimate and limitless provider of dollars. On behalf of policy makers, the Desk gathers market intelligence from all the major market participants, sifts through reams of internal data, and works behind the scenes keep the financial system intact. It is responsible for all of the Fed's market operations, from trillions in quantitative easing to hundreds of billions in repo and FX-swap loans. The financial crises of 2008 and 2020 abated only through the emergency interventions of the Desk.Joseph Wang spent five years studying the monetary system as a trader on the Desk. From that vantage point, Joseph saw firsthand how the Fed operates and how the financial system really works. This book is a distillation of his experience that aims to educate and demystify. After reading this book, you will understand how money is created, how the global dollar system is structured, and how it all fits into the broader financial system.The views in this book do not necessarily reflect those of the Federal Reserve Bank of New York or the Federal Reserve System.

    As the son of a single mother from North Charleston, South Carolina, he struggled to get through school and had his dreams of a college football career shattered by a car wreck. But thanks to his mother and a few mentors along the way, he learned that "failure isn't failure unless you quit." He also learned that it's hard work and perseverance, not a government handout, that will get you ahead in life.Today, Senator Scott is the only black Republican in the Senate, and he believes that investment and commerce are the best ways to rebuild our most impoverished communities. This is the idea behind his signature piece of legislation, the "opportunity zones" program, which President Trump has strongly endorsed. The program provides tax incentives for businesses that invest in low-income urban areas, seeking to replace things like welfare and government assistance. In Opportunity Knocks, Senator Scott will tell his life story with a focus on adversity and opportunity. He will teach readers about the principles of hard work and hope while addressing the dangers of veering too far toward socialist policies. The book will also not shy away from discussions of racism and racial inequality in the United States, and will recount some of Senator Scott's own brushes with racism as well as the many discussions he's had with people who want to help, including President Trump.

    In recent years, newspaper headlines have screamed, “Scarce water and the death of California farms,” “The Dust Bowl returns,” “A ‘megadrought’ will grip U.S. in the coming decades.” Yet similar stories have been appearing for decades and the taps continue to flow. John Fleck argues that the talk of impending doom is not only untrue, but dangerous. When people get scared, they fight for the last drop of water; but when they actually have less, they use less. Having covered environmental issues in the West for a quarter century, Fleck would be the last writer to discount the serious problems posed by a dwindling Colorado River. But in that time, Fleck has also seen people in the Colorado River Basin come together, conserve, and share the water that is available. Western communities, whether farmers and city-dwellers or US environmentalists and Mexican water managers, have a promising record of cooperation, a record often obscured by the crisis narrative. In this fresh take on western water, Fleck brings to light the true history of collaboration and examines the bonds currently being forged to solve the Basin’s most dire threats. Rather than perpetuate the myth “Whiskey's for drinkin', water's for fightin' over," Fleck urges readers to embrace a new, more optimistic narrative—a future where the Colorado continues to flow.

    In "Crunch" he answers these as well as dozens of others he has fielded from working Americans by email, on blogs, and at events where he speaks. Chances are if there's a stumper you've always wanted to ask an economist, it's solved in this book.

    She is determined, now, not to sacrifice or waste her self. She has struggled for years along the paths set by her suburban childhood, her Catholic upbringing, her failed marriage, and the mute duties of daughterhood. Now, she is trying to see the world through the eyes of the deer that stop outside her window and look in at her. As a wildlife rehabilitator, she feels a closer connection to the natural world as experienced by animals. As an apprentice potter, she sees in a Japanese tea bowl the ultimate balance of action and contemplation. As a Quaker, she can both sit still and sing. And as a writer, O'Reilley can speak clearly to readers at midlife who are expected to know it all, but don't.

    Indeed, American students lag behind their peers in other nations, but America remains on the leading edge economically, scientifically, technologically, and militarily. The reason for this paradox, explains Barone in this brilliant essay, is that “from ages six to eighteen Americans live mostly in what I call Soft America—the parts of our country where there is little competition and accountability. But from ages eighteen to thirty Americans live mostly in Hard America—the parts of American life subject to competition and accountability.” While Soft America coddles, Hard America plays for keeps. Educators, for example, protect children from the rigors of testing, ban dodgeball, and promote just about any student who shows up. But most adults quickly figure out that how they do depends on what they produce. Barone sweeps readers along, showing how we came to the current divide—for things weren’t always this way. In fact, no part of our society is all Hard or all Soft, and the boundary between Hard America and Soft America often moves back and forth. Barone also shows where America is headed—or should be headed. We don’t want to subject kindergartners to the rigors of the Marine Corps or leave old people uncared for. But Soft America lives off the productivity, creativity, and competence of Hard America, and we have the luxury of keeping part of our society Soft only if we keep most of it Hard.Hard America, Soft America reveals: • How the American situation is unique: In Europe, schooling is competitive and demanding, but adult life is Soft, with generous welfare benefits, short work hours, long vacations, and state pensions• How the American military has reclaimed the Hard goals and programs it abandoned in the Vietnam era• How Hardness drives America’s economy—an economy that businesses and economists nearly destroyed in the 1970s by spurning competition • How America’s schools have failed because they are bastions of Softness—but how they are finally showing signs of Hardening• The benefits of Softness: How government programs like Social Security were necessary in what was a harsh and unforgiving America• Hard America, Soft America is a stunningly original and provocative work of social commentary from one of this country’s most respected political analysts.From the Hardcover edition.

    They were helpless. It sounds like a familiar story, but these people were not African. They were Irish, and they were slaves before African slavery became widespread. This is their story.

    As temperatures rise--and icecaps shrink and storms lash our coastal areas into oblivion--being smart about carbon footprints, waste streams and consumer choices becomes increasingly important for all of us.Green Living, from the award-winning editors of E: The Environmental Magazine, offers a thorough, step-by-step plan for every making aspect of your life earth-friendly, from the laundry room to the kitchen: -Maintaining a healthy home-Going organic and avoiding genetically modified food-Finding a planet-friendly car-Making socially responsible investments-Using personal-care products free of damaging chemicalsWith advice on everything from planet-friendly cosmetics to home-based renewable energy, and straight talk on hemp, hybrids and hair dye, Green Living is the ideal reference for both the neophyte and the experienced environmentalist.

    The photo looks completely out of place on the FBI Ten Most Wanted Fugitives list where it’s been since December, 8, 2007. For eight of those years, Jason appeared directly beside Osama Bin Laden. Bin Laden is long gone, but Jason is still wanted for armed robbery and murder.For years, his sister, Jami D. Brown Martin has watched the true crime programs and read the amateur investigative blogs devoted to Jason, his crime, and the efforts to apprehend him knowing the story wasn’t as simple, nor was it just Jason’s. To be the sister, brother, or relative of one of the world’s most wanted men is to live every day with the horrible truth and many consequences of his brutal act.CENTER OF ATTENTION is the story of a former Mormon missionary turned murderer. It is also a riveting look behind the facade of the genetically blessed, seemingly prominent and pious Brown family of Laguna Beach, California. It is a tale of the family patriarch, John Brown, who disappeared without a trace ten years before his son. More important, it is the gripping and ultimately hopeful story of the sister of one of the world’s most wanted fugitives and her journey to accept that despite being a product of the same crazy environment as her brother, her life and path are her own.

    So hold your nose, kiss the babies, and just think how good you would look on a stamp.Now, before we go into your media responsibilities, you must understand the true history of political power, so you don't accidentally act on the naive idealism you are required to project to the general public.The reality of political power is very simple: bad farmers own crops and livestock -- good farmers own human beings...