Essentials of Borrowing
For most Americans, the savings and loan industry is defined by the fraud, ineptitude and failures of the 1980s. However, these events overshadow a long history in which thrifts played a key role in helping thousands of households buy homes. First appearing in the 1830s savings and loans, then known as building and loans, encourage their working-class members to adhere to the principles of thrift and mutual co-operation as a way to achieve the 'American Dream' of home ownership. This book traces the development of this industry from its origins as a movement of a loosely affiliated collection of institutions into a major element of America's financial markets. It also analyses how diverse groups of Americans, including women, ethnic Americans and African Americans, used thrifts to improve their lives and elevate their positions in society. Finally the overall historical perspective sheds new light on the events of the 1980s and analyses the efforts to rehabilitate the industry in the 1990s.
" I had not lived in the former pit village of Lynemouth since 1961 but the winding road north from Newcastle will always be the same nostalgic highway, each twist charged with vivid memories and powerful emotions ' So begins a story full of wonderful humour, emotional candour and hardy tales of tough times a quietly epic family saga set amid the pit villages of the North East . It stretches from the 1920s, before Sid's parents had even met, to the final closing of the mine and his mother's death in 1999. Sid paints a picture of a colourful, tight knit community full of good times and hard work, god-fearing women and hard-drinking men. Always dominating the skyline is Auld Betty, the pit head that took the men away each day and, with a prayer, brought them back each evening. Amongst the unforgettable cast of his extended family and friends, we follow the Waddells' attempts to stay afloat and provide a better future and possible escape for youngsters like Sid."
Severed from its parent language and from the other vernaculars, as well as from the Islamic culture and religion, the peripheral Arabic dialect of Malta has for the last nine centuries been exposed to large-scale contact with Medieval Sicilian, Italian and, later, English. Modern Maltese thus incorporates a great mass of borrowed words.
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Essentials of Borrowing