Publisher's Weekly Top 10 Fall Release in Business and Economics A consumer credit industry insider-turned-outsider explains how banks lure Americans deep into debt, and how to break the cycle. Delinquent takes readers on a journey from Capital One’s headquarters to street corners in Detroit, kitchen tables in Sacramento, and other places where debt affects people's everyday lives. Uncovering the true costs of consumer credit to American families in addition to the benefits, investigative journalist Elena Botella—formerly an industry insider who helped set credit policy at Capital One—reveals the underhanded and often predatory ways that banks induce American borrowers into debt they can’t pay back. Combining Botella’s insights from the banking industry, quantitative data, and research findings as well as personal stories from interviews with indebted families around the country, Delinquent provides a relatable and humane entry into understanding debt. Botella exposes the ways that bank marketing, product design, and customer management strategies exploit our common weaknesses and fantasies in how we think about money, and she also demonstrates why competition between banks has failed to make life better for Americans in debt. Delinquent asks: How can we make credit available to those who need it, responsibly and without causing harm? Looking to the future, Botella presents a thorough and incisive plan for reckoning with and reforming the industry.
The time before the debt machine -- How the machine was built -- The debtor class -- A broken net -- The quickest levers -- Divergent -- A fair deal -- The last frontier -- Transformational lending -- Appendix A : About my research process -- Appendix B : Advice for consumers.
When Diego Rivera's biographer, Bertram Wolfe, was sifting though the painter's jumbled collection of correspondence, he encountered a series of Parisian letters from Angelina Beloff.
If you are one of those who wants to but does not have the courage, let me tell you that Spanish is a very beautiful language, full of magic and richness, and it is not difficult since you do not have to be afraid to learn it. The course I offer in this book is divided into concepts, grammar, pronunciation, and comparing differences between English and Spanish with short but clear explanations, only few lessons to learn, and the most important clues that people need for speaking Spanish. Speaking and understanding a different language is one of the most beautiful and satisfying things in life.
Por el camino andamos Esta es una novela filosófica que tiene el propósito de resolver esos problemas de todos los días, con los cuales nos enfrentamos por la sencilla razón de haber sido creados poseyendo el mejor de los regalos divinos, la libertad. Esa libertad que cuando bien utilizada nos lleva al éxito, y cuando no, nos lleva a la angustia y al fracaso . Dejemos pues, que Don Sebastián, maestro de filosofía, ilumine el camino de nuestra vida ayudandonos a transitar por esos caminos, y así, pensamiento por pensamiento y acción por acción cambiar, de la pobreza a la riqueza, de la dependencia a la independencia, de la ignorancia a la sabiduría, de la historia a la realidad, del pasado al presente dejándote llevar de la mano de la filosofía de todos los tiempos, la amiga eternal de toda la vida, porque como dice Don Sebastián. Por el camino andamos
FOX genes have different regulatory functions and influence aging, carcinogenesis, neurodegeneration etc. They can directly, indirectly, via interaction with homo-, heterodimers and other factors effect its target genes and thus influence RUNX, ROBO, CREB, RELN, FOXO1, POT1, telomerase , DYRK1A, PTEN, NCAM1, VLDLR, Vitamin D and others. MiRNA modulation, alternative splicing, sumoilation, methylation and regulation by pH, vitamins, etc., in turn, regulate the FOX genes. These processes and the structure and function of these genes and gene polymorphisms in different taxa are described in this thesis, these processes and the role of gene mutations, anti-aging products as well as suitable animal models are also discussed in detail.
Oculto sendero, novela inédita y testamento literario de Elena Fortún (1885-1952), por fin sale a la luz. Fortún escribe esta autobiografía novelada durante su exilio en Argentina y la firma con el seudónimo de Rosa María Castaños. La protagonista es María Luisa Arroyo, pintora y antes niña que quería vestirse de marinero, alter-ego de la autora. El camino de su vida es el sendero hacia el entendimiento de su homosexualidad, camino que avanza parejo al conocimiento y realización del potencial artístico e intelectual de la protagonista. Tras una infancia narrada al más puro estilo Fortún, María Luisa Arroyo irá dejando atrás, como la creadora de la inolvidable Celia, los dictados de la feminidad convencional para adentrarse en una modernidad inevitable y también desgarradora. Ambientada en la España anterior a 1936, Oculto sendero ofrece un retrato único y necesario de la intimidad y la lucha de una mujer excepcional.
Libro sobre construcción y técnica naval en inglés para consulta de profesores, alumnos y profesionales del sector. Contiene 21 unidades que versan sobre diferentes aspectos: materiales y procedimientos usados en su construcción, tipos de buques, partes principales del buque, estabilidad, etc. Incluye también ejercicios de refuerzo vocabulario oral y escrito.
Jo Labanyi and Luisa Elena Delgado provide the first cultural history of modern literatures in Spain. With contributors Helena Buffery, Kirsty Hooper, and Mari Jose Olaziregi, they showcase the country’s cultural richness and complexity by working across its four major literary cultures – Castilian, Catalan, Galician, and Basque – from the eighteenth century to the present. Engaging critically with the concept of the “national”, Modern Literatures in Spain traces the uneven institutionalization of Spain’s diverse literatures in a context of Castilian literary hegemony, as well as examining diasporic and exile writing . The thematically organized chapters explore literary constructions of subjectivity, gender, and sexuality; urban and rural imaginaries; intersections between high and popular culture; and the formation of a public sphere. Throughout, readings are attentive to the multiple ways in which literature serves as a barometer of cultural responses to historical change. An introduction to major cultural debates as well as an original analysis of key texts, this book is essential reading for students and scholars with an interest in the literatures and cultures of Spain.
The crowds keep coming to Los Cabos as much to relax on its beaches and in its spas as to golf on its courses and sail or fish its waters. Well-rounded Los Cabos has more to offer than the average beach resort, including regional wines, a happening arts scene, and both desert and ocean adventures.
The Skin of the Sky" details the efforts of a country to join the 21st century and paints the portrait of a lonely man who can find true contentment and satisfaction only in the stars.
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