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.
A collection of unique and heart-warming stories from the life of an RSPCA rescue worker. Janie Ritson shows us the full and wondrous lives of those animals neglected and forgotten. A new talent from Authonomy, HarperCollins' own talent-spotting website, Janie Ritson writes about her and her husband's eventful experiences as RSPCA rescue workers. Their encounters range from the truly poignant to the utterly hilarious, including a lovesick macaw, a tea-stealing goat and a sheep who thinks she's a dog. Janie manages to capture the difficult emotions that every animal lover must go through when faced with a mistreated creature. From heartbreak and sadness to love and joy, she shows us the colourful lives led by wild animals and pets alike, even those that have been abandoned by the very people who were supposed to care for them. A story of family and how animals can effect people's lives in the most wonderful ways, Hoping for a Home is an inspiring collection for all animal lovers and owners.
This book examines the development of the international syndicated credits market over the past three decades. Bringing together views of practitioners and academics it provides original answers to unexplored research questions. With extensive coverage and thought-provoking insights, the book is of value to students, practitioners and academics.
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Essentials of Borrowing