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Meltdown: The Financial Crisis, Consumer Protection, and the Road Forward
by Larry Kirsch Gregory D. SquiresMeltdown reveals how the Consumer Financial Protection Bureau was able to curb important unsafe and unfair practices that led to the recent financial crisis. In interviews with key government, industry, and advocacy groups along with deep archival research, Kirsch and Squires show where the CFPB was able to overcome many abusive practices, where it was less able to do so, and why.Open for business in 2011, the CFPB was Congress's response to the financial catastrophe that shattered millions of middle-class and lower-income households and threatened the stability of the global economy. But only a few years later, with U.S. economic conditions on a path to recovery, there are already disturbing signs of the (re)emergence of the high-risk, high-reward credit practices that the CFPB was designed to curb. This book profiles how the Bureau has attempted to stop abusive and discriminatory lending practices in the mortgage and automobile lending sectors and documents the multilayered challenges faced by an untested new regulatory agency in its efforts to transform the broken—but lucrative—business practices of the financial services industry.Authors Kirsch and Squires raise the question of whether the consumer protection approach to financial services reform will succeed over the long term in light of political and business efforts to scuttle it. Case studies of mortgage and automobile lending reforms highlight the key contextual and structural conditions that explain the CFPB's ability to transform financial service industry business models and practices. Meltdown: The Financial Crisis, Consumer Protection, and the Road Forward is essential reading for a wide audience, including anyone involved in the provision of financial services, staff of financial services and consumer protection regulatory agencies, and fair lending and consumer protection advocates. Its accessible presentation of financial information will also serve students and general readers.
Meltdown: The Financial Crisis, Consumer Protection, and the Road Forward
by Larry Kirsch Gregory D. SquiresMeltdown reveals how the Consumer Financial Protection Bureau was able to curb important unsafe and unfair practices that led to the recent financial crisis. In interviews with key government, industry, and advocacy groups along with deep archival research, Kirsch and Squires show where the CFPB was able to overcome many abusive practices, where it was less able to do so, and why.Open for business in 2011, the CFPB was Congress's response to the financial catastrophe that shattered millions of middle-class and lower-income households and threatened the stability of the global economy. But only a few years later, with U.S. economic conditions on a path to recovery, there are already disturbing signs of the (re)emergence of the high-risk, high-reward credit practices that the CFPB was designed to curb. This book profiles how the Bureau has attempted to stop abusive and discriminatory lending practices in the mortgage and automobile lending sectors and documents the multilayered challenges faced by an untested new regulatory agency in its efforts to transform the broken—but lucrative—business practices of the financial services industry.Authors Kirsch and Squires raise the question of whether the consumer protection approach to financial services reform will succeed over the long term in light of political and business efforts to scuttle it. Case studies of mortgage and automobile lending reforms highlight the key contextual and structural conditions that explain the CFPB's ability to transform financial service industry business models and practices. Meltdown: The Financial Crisis, Consumer Protection, and the Road Forward is essential reading for a wide audience, including anyone involved in the provision of financial services, staff of financial services and consumer protection regulatory agencies, and fair lending and consumer protection advocates. Its accessible presentation of financial information will also serve students and general readers.
Meltdown Iceland: How the Global Financial Crisis Bankupted an Entire Country
by Roger BoyesIt is a truism that when America sneezes, Europe catches a cold. The subprime mortgage crisis, which began in America in 2007, unleashed a veritable epidemic of financial ill health all over the world. All European countries were affected, and the developing world also felt a chill. However it was Iceland, a tiny volcanic outcrop in the North Atlantic whose population of 300,000 had the highest GDP and counted itself the happiest in the world, which caught the worst cold. It has nearly killed them. For a few short years, the Icelanders deluded themselves that they were rich. Dour Reykjavik became the Capital of Cool. Rock musicians like Damon Albarn bought houses and stakes in pubs. Clubs boomed, the alcohol was expensive and the Krona was strong. All over the world people are trying to understand what caused the economic crisis and are asking themselves who is to blame. In Iceland that question is easily answered and the handful of bankers and politicians responsible have had to hire body guards, hole themselves up in their country houses and stay off the streets for fear of attack. Collaborating with the business editor of Iceland's leading daily newspaper, award-winning writer Roger Boyes tells the inside story of the bankrupting of Iceland and explains how it has ramifications for us all, from the private and public investors who trusted their money in Iceland's banks, to the workers in high street clothes stores whose owners no longer can pay for the shirts on their own backs. Writing with panache and colour, and drawing on interviews with everyone from artists and policitians to the local fisherman, Meltdown Iceland is an authoritative and compelling account of the financial destruction of this tiny, icy but vibrant country.
Meltdown Iceland: Lessons on the World Financial Crisis from a Small Bankrupt Island
by Roger BoyesThe economic crisis that emerged in America in 2008 unleashed a veritable epidemic of ill health around the world. However it was Iceland, whose population of three hundred thousand had the world's highest GDP per capita and counted itself the happiest of countries, that caught the worst cold. It has nearly killed them. No story from the economic crisis of 2008 is more evocative than I celand's. The names may be unfamiliar-Johanesson, Bjoergolfsson, Oddsson-but their exuberance, greed, and miscalculation have many counterparts on our shores. And however traumatic the collapse of individual companies may be in the United States, in Iceland's case an entire country melted down. All the wealth accumulated in the previous decade-during which a new breed of Icelanders had dared to believe they could compete economically on an international level, during which Reykjavik became the Capital of Cool-disappeared practically overnight. Iceland's story shows how closely the world economy is interconnected: The default on subprime mortgages in the U .S. led to the collapse of Lehman Brothers, which led directly to the run on Iceland's banks, which forced local authorities in Britain to switch off the heating in their classrooms. With panache and color, Roger Boyes tells the inside story of the bankrupting of I celand: how it happened, the human dramas-from politicians to financiers to fishermen-that continue to swirl around it, and the lessons we can not ignore. Published on the first anniversary of its collapse, Meltdown Iceland is a cautionary tale for our times, an authoritative and compelling account of the financial destruction of a tiny country whose saga should resonate for us all.
Membership Essentials: Recruitment, Retention, Roles, Responsibilities, and Resources
by The American Society of Association Executives (ASAE)The updated and expanded ASAE guide to membership fundamentals Membership Essentials is the American Society of Association Executives' flagship guide to all aspects of membership development, recruitment, and retention. One of the five core topics for CAE preparation, membership is a fundamental area central to the role of membership director and association leader. This book is a comprehensive exploration of all aspects of membership, from engagement theory, to membership functions, to infrastructure, and much more. This new second edition has been updated with the most current practices, and includes expanded coverage of value proposition, strategic planning, model development, staff leadership, legal considerations, and other important topics that have come to the fore since the book's initial publication. Environmental factors and sustainability, governance, globalization, online communities, and the role of volunteers are discussed in greater depth, alongside foundational concepts that association leaders must understand to fill the role effectively. This book reflects the experience and expertise of thought leaders from a range of associations—small, large, local, regional, national, and global—and represents the ASAE's fundamental body of knowledge on membership topics, and provides an invaluable resource for those preparing for or already in association leadership positions. Engage members more fully in the evolving membership environment Develop models and strategies for relationships, engagement, and affiliation Explore ways in which the web and social media can benefit your membership Examine the implications of globalization and the related relational models The ASAE is comprised of over 21,000 association executives and industry partners from more than 10,000 organizations from around the world. The concepts presented in this book have been proven time and time again, and serve as a global template for membership management. Whether you're preparing for the CAE or striving to provide better association leadership, Membership Essentials is the resource you need at the ready.
Membership Essentials: Recruitment, Retention, Roles, Responsibilities, and Resources
by The American Society of Association Executives (ASAE)The updated and expanded ASAE guide to membership fundamentals Membership Essentials is the American Society of Association Executives' flagship guide to all aspects of membership development, recruitment, and retention. One of the five core topics for CAE preparation, membership is a fundamental area central to the role of membership director and association leader. This book is a comprehensive exploration of all aspects of membership, from engagement theory, to membership functions, to infrastructure, and much more. This new second edition has been updated with the most current practices, and includes expanded coverage of value proposition, strategic planning, model development, staff leadership, legal considerations, and other important topics that have come to the fore since the book's initial publication. Environmental factors and sustainability, governance, globalization, online communities, and the role of volunteers are discussed in greater depth, alongside foundational concepts that association leaders must understand to fill the role effectively. This book reflects the experience and expertise of thought leaders from a range of associations—small, large, local, regional, national, and global—and represents the ASAE's fundamental body of knowledge on membership topics, and provides an invaluable resource for those preparing for or already in association leadership positions. Engage members more fully in the evolving membership environment Develop models and strategies for relationships, engagement, and affiliation Explore ways in which the web and social media can benefit your membership Examine the implications of globalization and the related relational models The ASAE is comprised of over 21,000 association executives and industry partners from more than 10,000 organizations from around the world. The concepts presented in this book have been proven time and time again, and serve as a global template for membership management. Whether you're preparing for the CAE or striving to provide better association leadership, Membership Essentials is the resource you need at the ready.
Membership in International Organizations: Paradigms of Membership Structures, Legal Implications of Membership and the Concept of International Organization
by Gerd DroesseThis book proposes that fundamental concepts of institutional law need to be rethought and revised. Contrary to conventional wisdom, international organizations do not need to have members, and the members do not need to be states and international organizations. Private sector entities may, for instance, also be full members. Furthermore, international organizations do not need to possess international legal personality, nor is their autonomy a corollary of their personality. Moreover, the notion of “subject of international law” also needs to be reconsidered and the very concepts and definitions of “intergovernmental organization” and “international organization” need to change and be defined in a wider manner. In this publication the legal implications of membership are analyzed and a new analytical framework for international organizations is proposed. The argument is propounded that the power of creation of new organizations has passed over to international organizations and other entities while an outlook on future development is also presented. Dr. Gerd Droesse is a recognized specialist in institutional law, international administrative law, complex institutional and financial policy matters and corporate governance issues, with over 30 years of experience in working for international organizations in senior and management positions. He was the Legal Counsel/Acting General Counsel of the Green Climate Fund and assisted the World Green Economy Organization as General Counsel in its transition to a new type of intergovernmental organization.
Membership in Service Clubs: Rotary's Experience
by Quentin Wodon Divya Wodon Naina WodonMembership in Service Clubs provides the first rigorous assessment of the activities of Rotary, a global service organization founded in 1905 that implements projects and helps build goodwill and peace throughout the world.
Membership of the Board of Directors: The Job Top Executives Want No More
by Dimitris N. ChorafasBeing a member of the Board used to be a challenging job. It still is. But the nature of the challenge, the risk, even the professional qualifications required have changed. The book says how and why.
Membership Rules! The Art of Selling What Matters (The ASAE Series)
by Sheri JacobsThis short form original eBook is an extension of Sheri's speaking engagements. It opens with an introduction to Sheri's key principles/rules of membership which will be expanded upon in much greater detail with examples in the full-length book publishing in January 2014. This original, 10,000 word, short format piece focuses on the principle of Selling What Matters.
Membership Rules! The Art of Selling What Matters (The ASAE Series)
by Sheri JacobsThis short form original eBook is an extension of Sheri's speaking engagements. It opens with an introduction to Sheri's key principles/rules of membership which will be expanded upon in much greater detail with examples in the full-length book publishing in January 2014. This original, 10,000 word, short format piece focuses on the principle of Selling What Matters.
Membrane Computing: 19th International Conference, CMC 2018, Dresden, Germany, September 4–7, 2018, Revised Selected Papers (Lecture Notes in Computer Science #11399)
by Thomas Hinze Grzegorz Rozenberg Arto Salomaa Claudio ZandronThis book constitutes revised selected papers from the 19th International Conference on Membrane Computing (CMC19), CMC 2018, which was held in Dresden, Germany, in September 2018. The 15 papers presented in this volume were carefully reviewed and selected from 20 submissions. The contributions aim to abstract computing ideas and models from the structure and the functioning of living cells, as well as from the way the cells are organized in tissues or higher order structures.
Membranverfahren zur wirtschaftlichen Aufbereitung von Molken (Forschungsberichte des Landes Nordrhein-Westfalen #2700)
by Robert Rautenbach
Meme Wars: The Untold Story of the Online Battles Upending Democracy in America
by Joan Donovan Emily Dreyfuss Brian FriedbergA groundbreaking investigation into the digital underworld, where far-right operatives wage wars against mainstream America, from a masterful trio of experts in media and tech. Memes have long been dismissed as inside jokes with no political importance. Nothing could be further from the truth. Memes are bedrock to the strategy of conspiracists such as Alex Jones, provocateurs like Milo Yiannopoulos, white nationalists like Nick Fuentes, and tacticians like Roger Stone. While the media and most politicians struggle to harness the organizing power of the internet, the “redpill right” weaponizes memes, pushing conspiracy theories and disinformation into the mainstream to drag people down the rabbit hole. These meme wars stir strong emotions, deepen partisanship, and get people off their keyboards and into the streets--and the steps of the US Capitol. Meme Wars is the first major account of how “Stop the Steal” went from online to real life, from the wires to the weeds. Leading media expert Joan Donovan, PhD, veteran tech journalist Emily Dreyfuss, and cultural ethnographer Brian Friedberg pull back the curtain on the digital war rooms in which a vast collection of antiesablishmentarians bond over hatred of liberal government and media. Together as a motley reactionary army, they use memes and social media to seek out new recruits, spread ideologies, and remake America according to their desires. A political thriller with the substance of a rigorous history, Meme Wars is the astonishing story of how extremists are yanking our culture and politics to the right. And it's a warning that if we fail to recognize these powerful undercurrents, the great meme war for the soul of America will soon be won.
Memetics and Evolutionary Economics: To Boldly Go Where no Meme has Gone Before (Economic Complexity and Evolution)
by Michael P. SchlaileThis book explores the question of whether and how meme theory or “memetics” can be fruitfully utilized in evolutionary economics and proposes an approach known as “economemetics” which is a combination of meme theory and complexity theory that has the potential to combat the fragmentation of evolutionary economics while re-connecting the field with cultural evolutionary theory. By studying the intersection of cultural and economic evolution, complexity economics, computational economics, and network science, the authors establish a connection between memetics and evolutionary economics at different levels of investigation. The book first demonstrates how a memetic approach to economic evolution can help to reveal links and build bridges between different but complementary concepts in evolutionary economics. Secondly, it shows how organizational memetics can help to capture the complexity of organizational culture using meme mapping. Thirdly, it presents an agent-based simulation model of knowledge diffusion and assimilation in innovation networks from a memetic perspective. The authors then use agent-based modeling and social network analysis to evaluate the diffusion pattern of the Ice Bucket Challenge as an example of a “viral meme.” Lastly, the book discusses the central issues of agency, creativity, and normativity in the context of economemetics and suggests promising avenues for further research.
The Memo: What Women Of Color Need To Know To Secure A Seat At The Table
by Minda HartsFrom microaggressions to the wage gap, The Memo empowers women of color with actionable advice on challenges and offers a clear path to success. Most business books provide a one-size-fits-all approach to career advice that overlooks the unique barriers that women of color face. In The Memo, Minda Harts offers a much-needed career guide tailored specifically for women of color. Drawing on knowledge gained from her past career as a fundraising consultant to top colleges across the country, Harts now brings her powerhouse entrepreneurial experience as CEO of The Memo to the page. With wit and candor, she acknowledges ugly truths that keep women of color from having a seat at the table in corporate America. Providing straight talk on how to navigate networking, office politics, and money, while showing how to make real change to the system, The Memo offers support and long-overdue advice on how women of color can succeed in their careers.
Memoirs of an Unregulated Economist
by George J. StiglerIn this witty and modest intellectual autobiography, George J. Stigler gives us a fascinating glimpse into the little-known world of economics and the people who study it. One of the most distinguished economists of the twentieth century, Stigler was awarded the Nobel Prize in 1982 for his work on public regulation. He also helped found the Chicago School of economics, and many of his fellow Chicago luminaries appear in these pages, including Fredrich Hayek, Milton Friedman, Ronald Coase, and Gary Becker. Stigler's appreciation for such colleagues and his sense of excitement about economic ideas past and present make his Memoirs both highly entertaining and highly educational.
Memoirs of Victorian Working-Class Women
by Florence S. BoosThis volume is the first to identify a significant body of life narratives by working-class women and to demonstrate their inherent literary significance. Placing each memoir within its generic, historical, and biographical context, this book traces the shifts in such writings over time, examines the circumstances which enabled working-class women authors to publish their life stories, and places these memoirs within a wider autobiographical tradition. Additionally, Memoirs of Victorian Working-Class Women enables readers to appreciate the clear-sightedness, directness, and poignancy of these works.
Memorable Customer Experiences: A Research Anthology
by Joëlle VanhammeExperiential marketing - or memorable customer experiences - is proving a popular tool amongst businesses seeking to make an impact in a competitive world. Yet the scramble to achieve a presence among experience providers has led many companies to design and implement experiential marketing without integrating it with their overall marketing strategy. These companies often end up dissatisfying their customers rather than delighting them. This research anthology investigates different angles of experiential marketing. The 16 chapters are organised in six sections. The first section considers whether memorable customer experiences result from the use of traditional marketing practices, perhaps implemented more effectively than previously, or require entirely new practices with new foundations that turn companies into experience providers. Section two details ways businesses seek to build brands through putting experiential marketing into practice, while section three asks whether there are general principles that can be applied to the design of customer experiences which ensure successful outcomes whatever market you may operate in. Section four examines how companies manage their customer experiences once they have made the strategic decision to provide them, and section five looks at methods available to evaluate the success of these customer experiences. 'Experiential marketing changes everything!' claim the management gurus, but is it really so significant that not joining this race is dangerous? The last section of the book offers a much needed critique of experiential marketing.
Memorable Customer Experiences: A Research Anthology
by Joëlle VanhammeExperiential marketing - or memorable customer experiences - is proving a popular tool amongst businesses seeking to make an impact in a competitive world. Yet the scramble to achieve a presence among experience providers has led many companies to design and implement experiential marketing without integrating it with their overall marketing strategy. These companies often end up dissatisfying their customers rather than delighting them. This research anthology investigates different angles of experiential marketing. The 16 chapters are organised in six sections. The first section considers whether memorable customer experiences result from the use of traditional marketing practices, perhaps implemented more effectively than previously, or require entirely new practices with new foundations that turn companies into experience providers. Section two details ways businesses seek to build brands through putting experiential marketing into practice, while section three asks whether there are general principles that can be applied to the design of customer experiences which ensure successful outcomes whatever market you may operate in. Section four examines how companies manage their customer experiences once they have made the strategic decision to provide them, and section five looks at methods available to evaluate the success of these customer experiences. 'Experiential marketing changes everything!' claim the management gurus, but is it really so significant that not joining this race is dangerous? The last section of the book offers a much needed critique of experiential marketing.
Memorial Articles for 20th Century American Accounting Leaders (Routledge New Works in Accounting History)
by Stephen A. ZeffThis collection of memorial articles and selected obituaries highlights the careers and contributions to accounting practice, the accounting profession, and the accounting literature of leading American figures in the 20th century. The memorial articles do much more than recite their subject’s career. More importantly, they discuss and assess their subject’s role in influencing the course of accounting practice and the profession as well as the evolution of their influential writings, revealing the names of the accounting leaders and leading thinkers of the past century. Memorial Articles for 20th Century American Accounting Leaders is useful in providing students and young researchers with a rich source of intelligence on the leaders who have established norms of practice, advanced the profession, and set the terms of debate in the literature – leaders who are cited and even quoted but who are known mostly as names without a full-bodied treatment of their backgrounds and broader roles in shaping the accounting literature.
Memorial Articles for 20th Century American Accounting Leaders (Routledge New Works in Accounting History)
by Stephen A. ZeffThis collection of memorial articles and selected obituaries highlights the careers and contributions to accounting practice, the accounting profession, and the accounting literature of leading American figures in the 20th century. The memorial articles do much more than recite their subject’s career. More importantly, they discuss and assess their subject’s role in influencing the course of accounting practice and the profession as well as the evolution of their influential writings, revealing the names of the accounting leaders and leading thinkers of the past century. Memorial Articles for 20th Century American Accounting Leaders is useful in providing students and young researchers with a rich source of intelligence on the leaders who have established norms of practice, advanced the profession, and set the terms of debate in the literature – leaders who are cited and even quoted but who are known mostly as names without a full-bodied treatment of their backgrounds and broader roles in shaping the accounting literature.
Memorized Discrete Systems and Time-delay (Nonlinear Systems and Complexity #17)
by Albert C. LuoThis book examines discrete dynamical systems with memory—nonlinear systems that exist extensively in biological organisms and financial and economic organizations, and time-delay systems that can be discretized into the memorized, discrete dynamical systems. It book further discusses stability and bifurcations of time-delay dynamical systems that can be investigated through memorized dynamical systems as well as bifurcations of memorized nonlinear dynamical systems, discretization methods of time-delay systems, and periodic motions to chaos in nonlinear time-delay systems.The book helps readers find analytical solutions of MDS, change traditional perturbation analysis in time-delay systems, detect motion complexity and singularity in MDS; and determine stability, bifurcation, and chaos in any time-delay system.