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Mortgage lenders in the US, Stuart contends, are embedded in and shape a social context that can best be understood in terms of rules, networks and the production of space. This history of lenders' risk criteria reveals that they were synthesized from rules of thumb and untested theories.
Stone Barrington’s newest client brings mayhem in his wake in this “edge-of-your-seat adventure”* in the #1 New York Times bestselling series. After giving some legal advice to a walk-in client, Stone Barrington thinks he’s done with the man. But several people are keenly interested in John Fratelli’s activities and how they relate to a long-ago crime...and some of them will stop at nothing to find the information they desire. On a hunt that leads from Florida’s tropical beaches to the posh vacation homes of the Northeast, Stone finds himself walking a tightrope between ambitious authorities and seedy lowlifes who all have the same prize in their sights. In this cutthroat contest of wills, it’s winner-takes-all—and Stone will need every bit of his cunning and resourcefulness to be the last man standing.
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It has been said that scammers and swindlers often display characteristics commonly attributed to good leadership. These include setting a vision, communicating it clearly, and motivating others to follow their lead. But when these skills are used by unconscionable people to satisfy greed, how can the average person recognize that foul play is afoo
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Handbook of Microfinance addresses the gap between clients who are benefiting from access to financial services via MFIs, and the potential market, which remains underserved or untapped. This gap can be attributed to a "mismatch" between what consumers, or potential clients, demand and what MFIs offer in terms of financial products. The scope of the book is wide. It includes successes and failures, main challenges and debates, methodologies for impact evaluation via random trials, leading trends in Asia versus Latin America, main efforts in Africa, the importance of value chains in Central America, ethical and gender issues, savings, microinsurance, governance, commercialization trends and the potential advantages and disadvantages of it. Lastly it features main lessons from informal finance and 19th-century credit cooperatives addressing the above-mentioned mismatch.
This is the first scholarly analysis that examines the development and achievements of the American community development movement. Community development is now a multi-billion industry in the US. Hundreds of Community Development Financial Institutions (CDFIs), located in all regions of the country, have successfully forged locally-based strategies that provide affordable housing, foster business development, and provide much needed community facilities, including innumerable charter schools, in highly distressed communities in inner city neighborhoods, rural communities, and also in American Indian areas. In many areas of the US, CDFIs represent a viable alternative to the mainstream banking industry. This volume documents the positive impact the CDFI industry has had in distressed urban and rural areas in the US.
In 2000, just a few hundred votes out of millions cast in the state of Florida separated Republican presidential candidate George W. Bush from his Democratic opponent, Al Gore. The outcome of the election rested on Florida's 25 electoral votes, and legal wrangling continued for 36 days. Then, abruptly, one of the most controversial Supreme Court decisions in U.S. history, Bush v. Gore, cut short the battle. Since the Florida debacle we have witnessed a partisan war over election rules. Election litigation has skyrocketed, and election time brings out inevitable accusations by political partisans of voter fraud and voter suppression. These allegations have shaken public confidence, as campaigns deploy "armies of lawyers" and the partisan press revs up when elections are expected to be close and the stakes are high.