The loans ordinary Americans take out to purchase homes and attend college often leave them in a sea of debt. As Devin Fergus explains in Land of the Fee, a not-insignificant portion of that debt comes in the form of predatory hidden fees attached to everyday transactions. Beginning in the 1980s, lobbyists for the financial industry helped dismantle consumer protections, resulting in surreptitious fees-often waived for those who can afford them but not for those who can't. Bluntly put, these hidden fees unfairly keep millions of Americans from their hard-earned money. Journalists and policymakers have identified the primary causes of increasing wealth inequality-fewer good working class jobs, a rise in finance-driven speculative capitalism, and a surge of tax policy decisions that benefit the ultra-rich, among others. However, they miss one commonplace but substantial contributor to the widening divide between the rich and the rest: the explosion of fees on every transaction people make in their daily lives. Land of the Fee traces the system of fees from its origins in the deregulatory wave of the late 1970s to the present. The average consumer now pays a dizzying array of charges for mortgage contracts, banking transactions, auto insurance rates, college payments, and payday loans. These fees are buried in the pages of small-print agreements that few consumers read or understand. Because these fees do not fall under usury laws, they have redistributed wealth to large corporations and their largest shareholders. By exposing this predatory and nearly invisible system of fees, Land of the Fee reshapes our understanding of wealth inequality in America.
The loans ordinary Americans take out to purchase homes and attend college often leave them in a sea of debt. As Devin Fergus explains in Land of the Fee, a not-insignificant portion of that debt comes in the form of predatory hidden fees attached to everyday transactions. Beginning in the 1980s, lobbyists for the financial industry helped dismantle consumer protections, resulting in surreptitious fees-often waived for those who can afford them but not for those who can't. Bluntly put, these hidden fees unfairly keep millions of Americans from their hard-earned money. Journalists and policymakers have identified the primary causes of increasing wealth inequality-fewer good working class jobs, a rise in finance-driven speculative capitalism, and a surge of tax policy decisions that benefit the ultra-rich, among others. However, they miss one commonplace but substantial contributor to the widening divide between the rich and the rest: the explosion of fees on every transaction people make in their daily lives. Land of the Fee traces the system of fees from its origins in the deregulatory wave of the late 1970s to the present. The average consumer now pays a dizzying array of charges for mortgage contracts, banking transactions, auto insurance rates, college payments, and payday loans. These fees are buried in the pages of small-print agreements that few consumers read or understand. Because these fees do not fall under usury laws, they have redistributed wealth to large corporations and their largest shareholders. By exposing this predatory and nearly invisible system of fees, Land of the Fee reshapes our understanding of wealth inequality in America.
In this pioneering exploration of the interplay between liberalism and black nationalism, Devin Fergus returns to the tumultuous era of Johnson, Nixon, Carter, and Helms and challenges us to see familiar political developments through a new lens. What if the liberal coalition, instead of being torn apart by the demands of Black Power, actually engaged in a productive relationship with radical upstarts, absorbing black separatists into the political mainstream and keeping them from a more violent path? What if the New Right arose not only in response to Great Society Democrats but, as significantly, in reaction to Republican moderates who sought compromise with black nationalists through conduits like the Blacks for Nixon movement? Focusing especially on North Carolina, a progressive southern state and a national center of Black Power activism, Fergus reveals how liberal engagement helped to bring a radical civic ideology back from the brink of political violence and social nihilism. He covers Malcolm X Liberation University and Soul City, two largely forgotten, federally funded black nationalist experiments; the political scene in Winston-Salem, where Black Panthers were elected to office in surprising numbers; and the liberal-nationalist coalition that formed in 1974 to defend Joan Little, a black prisoner who killed a guard she accused of raping her. Throughout, Fergus charts new territory in the study of America's recent past, taking up largely unexplored topics such as the expanding political role of institutions like the ACLU and the Ford Foundation and the emergence of sexual violence as a political issue. He also urges American historians to think globally by drawing comparisons between black nationalism in the United States and other separatist movements around the world. By 1980, Fergus writes, black radicals and their offspring were "more likely to petition Congress than blow it up." That liberals engaged black radicalism at all, however, was enough for New Right insurgents to paint liberalism as an effete, anti-American ideology--a sentiment that has had lasting appeal to significant numbers of voters.
This book shows how early economic ideas structured Christian thought and society, giving crucial insight into why money holds such power in the West. Examining the religious and theological sources of money's power, it shows how early Christian thinkers borrowed ancient notions of money and economic exchange from the Roman Empire as a basis for their new theological arguments. Monetary metaphors and images, including the minting of coins and debt slavery, provided frameworks for theologians to explain what happens in salvation. God became an economic administrator, for instance, and Christ functioned as a currency to purchase humanity's freedom. Such ideas, in turn, provided models for pastors and Christian emperors as they oversaw both resources and people, which led to new economic conceptions of state administration of populations and conferred a godly aura on the use of money. Divine Currency argues that this longstanding association of money with divine activity has contributed over the centuries to money's ever increasing significance, justifying various forms of politics that manage citizens along the way. Devin Singh's account sheds unexpected light on why we live in a world where nothing seems immune from the price mechanism.
GROUNDBREAKING VISION FOR THE FUTURE OF ISRAEL:REPLACING THE FALSE PEACE PROCESS OF TODAY WITH A NEW DECISIVE COURSE OF ACTION THAT WILL SECURE ISRAEL?S FUTURE?The Arab-Israeli conflict is of a national and ultimately a religious nature and not a simple land dispute. It cannot be solved by giving away land while the underlying cause of Arab hostility remains unchallenged. ?In his new book, THE FUTURE OF ISRAEL Devin Sper, scholar and passionate Zionist, offers a timely examination of Israel?s current crisis and answers the increasingly desperate question, ?Where does Israel go from here?? In THE FUTURE OF ISRAEL, Sper explains:?Why pursing the peace ?process? is not in Israel?s interest.?Why both the cause of, and the solution to, Israel?s problems and historical Jewish suffering are one in the same.?The three things Israel must do immediately to insure her survival and provide security for her people.?How and why a small fringe group hijacked Judaism and led the Jews to one tragedy after another.Sper maintains that Israel is today without a vision of her future, her economy is in shambles and her people in despair. ?Their hopes for peace have collapsed and there is a complete vacuum of ideas among Israel's leaders on a new direction, which will lead the country out of her seemingly endless tragedy.? To end two millennia of Jewish suffering, Sper argues, Israel must reverse the course her leaders chose at Oslo and resume a commitment to the accumulation of Jewish power she began so promisingly in 1948. Sper presents a vision culminating in Israel as a major power and lays out a long-term plan for achieving this goal. Only by making this journey, argues Sper, can a permanent end to Jewish suffering be realized. With its radical new vision for the future of Israel and the Jewish people based on a remarkably realized plan for a country in turmoil, The Future of Israel is the rightful heir to Theodore Hertzl?s ground-breaking The Jewish State. Sper bases his new vision on an ancient and once mainstream Jewish philosophy. It is a dynamic Judaism flowing from the Bible itself, a Judaism unafraid to engage and challenge the world, which the ancient historian Josephus called the ?Fourth Philosophy.? Sper explains how the abandonment of this genuine form of Judaism has led to centuries of tragedy for the Jewish people and why a return to this authentic Jewish philosophy is the only path to a secure Jewish future.Meticulously researched and compellingly argued, this brilliant and original work boldly reinterprets Jewish history and theology to offer the Jewish people and Israel a strategy to reclaim its place as a great nation.
The authors show how to "manage" ingenuity--and "manufacture" the next great idea, in other words they tell what managers need to know about how artists and highly creative people work.
Join award-winning author Devin Brown as he takes readers on a fascinating journey to the land of Narnia. Whether you’re a longtime fan of The Chronicles of Narnia or are just discovering them for the first time, you will be amazed and inspired as you undertake your very own chapter-by-chapter guided tour of C. S. Lewis’s beloved classics. If you have only traveled to Narnia through the wardrobe, there is so much more to explore. Join Peter, Susan, Edmund, and Lucy on their second trip to the magical land. But be prepared to find that everything you thought you knew about Narnia is about to change!
Focusing especially on North Carolina, a progressive southern state and a national center of Black Power activism, Fergus reveals how liberal engagement helped to bring a radical civic ideology back from the brink of political violence and social nihilism
This will help us customize your experience to showcase the most relevant content to your age group
Please select from below
Login
Not registered?
Sign up
Already registered?
Success – Your message will goes here
We'd love to hear from you!
Thank you for visiting our website. Would you like to provide feedback on how we could improve your experience?
This site does not use any third party cookies with one exception — it uses cookies from Google to deliver its services and to analyze traffic.Learn More.