American consumers have become accustomed to obtaining instant credit. The process requires that credit bureaus have easy access to sensitive financial information about individuals, compiled largely without their consent. This report examines the debate surrounding the role of the states in regulating these credit bureaus, especially in light of expiring amendments to the Fair Credit Reporting Act, which have allowed bureaus to continue these practices, exempting them from state laws that might obstruct them. How this controversy is resolved will have an important bearing on credit markets and financial privacy in the future. The authors make the case for continued federal preemption of the states in this area. Without it, the authors argue, the consumer credit system has developed in the United States would be put in jeopardy.
Harrowing and hopeful tales from doctors inside the emergency room at Staten Island University Hospital—one of the flagship hospitals of Northwell Health, New York’s largest health care provider Open 24 hours a day, 365 days a year—through winter storms, hurricanes, and global pandemics—emergency rooms are vital to the safety of any community. Day in and day out, thousands of patients pass through their doors to address their immediate medical needs. From life-threatening illnesses to minor ailments, ER doctors and nurses are the first line of defense when something goes wrong with our bodies. Written as a series of essays and stories by real ER doctors, The Emergency Diaries gives readers a glimpse into the hearts and minds of medicine’s finest, and the seemingly insurmountable challenges these everyday heroes face. Doctors recount firsthand the challenging nature of their profession and share pivotal moments in their medical careers that have stuck with them to this day. Whether it’s delivering the bad news or making split-second decisions to save lives, the extremes of this profession can be overwhelming. ER doctors and nurses are under incredible pressure to act with grace, precision, and mental fortitude when caring for their patients. Larger national events—like the opioid epidemic, natural disasters, and the coronavirus pandemic—have only exacerbated this stress in recent years. This poignant-yet-hopeful book tells their stories and serves as a testament to their incredible resilience and sacrifice for the greater good.
Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Bush League, Big City tells the interwoven stories of two low-level minor league baseball teams brought to New York City in the late 1990s. It also illuminates the history of the New York-Penn League, America’s oldest and longest-running minor league, from its inception in 1939 until its abrupt contraction by Major League Baseball in 2020. With an eye for details and firsthand accounts by many of the baseball people involved, Michael Sokolow tells the story of two franchises that went in very different directions, as the Cyclones achieved astronomical success while Staten Island’s ‘Baby Bombers’ sank under the weight of debt and recriminations. Along the way, the book visits small communities in upstate New York, New England, and Canada, introduces the multimillionaires who came to dominate small-time baseball ownership, and tells the tale of two of the most expensive minor-league baseball stadiums ever built. It also sheds light on the complex, behind-the-scenes influence of New York City politics, as the indomitable will of Mayor Rudy Giuliani reshaped the geography of both the city and professional baseball. Bush League, Big City is a compelling examination of both the power and limits of nostalgia in a sport that is increasingly focused on the bottom line.
Living in South Beach, Staten Island, the “forgotten borough” of New York City, best friends Johnny Romano, Ralphie Molinaro and Giulia Stringer struggle to understand a world that doesn't make a whole lot of sense to them. They're searching for answers to questions that seem impossible to figure out: why are their parents so crazy? How do they live with the hole left in their hearts when someone dies? Why is the gravitational pull of their neighborhood, a beach town next to the Verrazano Bridge that still hasn't shaken off its past, so powerful? What peculiar shapes can love take? And why has a rundown arcade two blocks from the beach become the center of their universe? But the people they meet--from Joey C., the local mob enforcer, to Luke, a transfer student at Tompkins High School, to Dinino, the mysterious owner of the arcade—all have their own secrets to hide. Covering a decade of their lives, from ten to twenty years of age, WELCOME TO THE ARCADE follows Johnny, Ralphie and Giulia as they move through the kaleidoscope of childhood to the insanity of young adulthood, always keeping one burning question in their minds: How do we figure out the greatest mystery of them all—growing up?
Consumer Attitudes Toward Credit Insurance provides the findings of a survey of approximately 3600 individuals who had the opportunity to purchase credit life insurance in conjunction with all types of consumer loans, except first mortgages and credit cards. The survey that forms the basis of the book was conducted in 1993 by the Credit Research Center at Purdue University's Krannert Graduate School of Management. It replicates and expands upon four previous national studies of credit insurance consumers, done between 1970 and 1985. Despite the generally positive findings of prior research with respect to consumer attitudes toward credit insurance, several open questions remain of interest to policy makers, specifically the question of whether coercion is involved in the sale of the insurance. Consumer Attitudes Toward Credit Insurance addresses these outstanding issues. It presents a profile of who is currently being served by the credit insurance market, as well as the reasons borrowers purchase the product and their experience with the offer of credit insurance at point of sale.
This volume is the fourth in the Franklin K. Lane series on the governance of major metropolitan regions. The series is sponsored by the Institute of Governmental Studies and the Institute of International Studies, University of California in Berkeley. Readers of these volumes and other relevant literature will no doubt agree with the authors of this book that similar patterns are found in New York, London, Toronto, Stockholm, and indeed in "every other major metropolitan region in the United States and in other advanced industrial societies." The presence of such common factors and trends, although they assume different configurations in various metropolitan regions, has been demonstrated by the work of many scholars, including Peter Hall, Brian Berry, Marion Clawson, Jean Gottmann, Larry Bourne and William Robson, as well as by the authors of the other Franklin K. Lane books—Donald Foley, Albert Rose and Thomas Anton. In the present volume Michael Danielson and Jameson Doig have described and analyzed the cultural, economic, political and other social forces shaping development in the New York region. They present a picture of a region singular in its attractions, problems, geographic scope, magnitude of development, and complexity of the network of organizations involved in its governance.
Now fully revised and updated, this guide to New York City offers the incomparable expertise of National Geographic for this comprehensive guidebook to the Big Apple, illustrated with 200 color photos and ten maps.
The coming financial apocalypse and what government and individuals can do to insulate themselves against the worst shocks In this controversial book a noted adherent of Austrian School of Economics theories advances the thesis that the United States is fast approaching the end stage of the biggest asset bubble in history. He describes how the bursting of the bubble will cause a massive interest rate shock that will send the US consumer economy and the US government—pumped up by massive Treasury debt—into bankruptcy, an event that will send shockwaves throughout the global economy. Michael Pento examines how policies followed by both the Federal Reserve and private industry have contributed to the impending interest rate disaster and highlights the similarities between the US and European debt crisis. But the book isn't all doom and gloom. Pento also provides well-reasoned solutions that, government, industry and individuals can take to insulate themselves against the coming crisis. Paints an alarmingly vivid picture of the massive interest rate shock which soon will send consumers and the government into bankruptcy Backed by a wealth of historical and economic data, Pento explains how the bubble was created and what the U.S. can do to mitigate the impending crisis Provides investors with sound strategies for protecting themselves and their assets against the coming financial apocalypse Explains why retirees, in particular, will be at risk as real estate prices decline, pensions weaken, and the bond bubble bursts
Lonely Planet: The world’s leading travel guide publisher Lonely Planet Eastern USA is your passport to the most relevant, up-to-date advice on what to see and skip, and what hidden discoveries await you. Get active underwater in Florida Keys, hit the streets of New York City, or watch leaves change color in New England; all with your trusted travel companion. Begin your journey now! Inside Lonely Planet Eastern USA Travel Guide: Color maps and images throughout Highlights and itineraries help you tailor your trip to your personal needs and interests Insider tips to save time and money and get around like a local, avoiding crowds and trouble spots Essential info at your fingertips - hours of operation, phone numbers, websites, transit tips, prices Honest reviews for all budgets - eating, sleeping, sight-seeing, going out, shopping, hidden gems that most guidebooks miss Cultural insights give you a richer, more rewarding travel experience – history, arts, architecture, music, wildlife, landscapes, lifestyle, sports, cuisine Covers New York, New Jersey, Pennsylvania, Maryland, New England, Washington DC, Florida, the Great Lakes, North & South Carolina, Tennessee, Alabama, Louisiana and more eBook Features: (Best viewed on tablet devices and smartphones) Downloadable PDF and offline maps prevent roaming and data charges Effortlessly navigate and jump between maps and reviews Add notes to personalise your guidebook experience Seamlessly flip between pages Bookmarks and speedy search capabilities get you to key pages in a flash Embedded links to recommendations' websites Zoom-in maps and images Inbuilt dictionary for quick referencing The Perfect Choice: Lonely Planet Eastern USA, our most comprehensive guide to Eastern USA, is perfect for both exploring top sights and taking roads less traveled. About Lonely Planet: Lonely Planet is a leading travel media company and the world’s number one travel guidebook brand, providing both inspiring and trustworthy information for every kind of traveller since 1973. Over the past four decades, we’ve printed over 145 million guidebooks and grown a dedicated, passionate global community of travellers. You’ll also find our content online, on mobile, video and in 14 languages, 12 international magazines, armchair and lifestyle books, ebooks, and more. Important Notice: The digital edition of this book may not contain all of the images found in the physical edition.
Two excellent resource books are combined to form a single comprehensive database that offers summaries of environmental properties The Agrochemicals and Pesticides Desk Reference on CD-ROM contains specific information about 137 pesticides, serving as a primer of environmental toxicology and an extensive trade name index. Profiles of each pesticide provide regulatory information toxicity assessments environmental fate data physical properties acceptable exposure limit values This CD-ROM is an up-to-date reference inspired by the growing number of research publications and the continued interest in the fate, transport, and remediation of hazardous substances. Featured are environmental and physical/chemical data on more than 300 compounds, including pesticides, herbicides, and fungicides.
Living in South Beach, Staten Island, the “forgotten borough” of New York City, best friends Johnny Romano, Ralphie Molinaro and Giulia Stringer struggle to understand a world that doesn't make a whole lot of sense to them. They're searching for answers to questions that seem impossible to figure out: why are their parents so crazy? How do they live with the hole left in their hearts when someone dies? Why is the gravitational pull of their neighborhood, a beach town next to the Verrazano Bridge that still hasn't shaken off its past, so powerful? What peculiar shapes can love take? And why has a rundown arcade two blocks from the beach become the center of their universe? But the people they meet--from Joey C., the local mob enforcer, to Luke, a transfer student at Tompkins High School, to Dinino, the mysterious owner of the arcade—all have their own secrets to hide. Covering a decade of their lives, from ten to twenty years of age, WELCOME TO THE ARCADE follows Johnny, Ralphie and Giulia as they move through the kaleidoscope of childhood to the insanity of young adulthood, always keeping one burning question in their minds: How do we figure out the greatest mystery of them all—growing up?
In Chewing Gum, Michael Redclift deftly chronicles the growing popularity of gum in the U.S. alongside a fascinating history of peasant revolution led by charismatic Indians in the jungles of southern Mexico.
Don’t fire until you see the whites of their eyes” remains one of the enduring, and most stirring, quotations of the Revolutionary War, and it was very likely uttered at the Battle of Bunker Hill by General Israel Putnam. Despite this, and Putnam’s renown as a battlefield commander and his colorful military service far and wide, Putnam has never received his due from modern historians. In The Whites of Their Eyes, Michael E. Shay tells the exciting life of Israel Putnam. Born near Salem, Massachusetts, in 1718, Putnam relocated in 1740 to northeastern Connecticut, where he was a slaveowner and, according to folk legend, killed Connecticut’s last wolf, in a cave known as Israel Putnam Wolf Den, which is on the U.S. National Register of Historic Places. During the French and Indian War, Putnam enlisted as a private and rose to the rank of colonel. He served with Robert Rogers, famous Ranger founder and leader, and a popular phrase of the time said, “Rogers always sent, but Putnam led his men to action.” In 1759, Putnam led an assault on French Fort Carillon (later Ticonderoga); in 1760, he marched against Montreal; in 1762, he survived a shipwreck and yellow fever during an expedition against Cuba; and in 1763, he was sent to defend Detroit during Pontiac’s rebellion. When the Revolutionary War broke out, Putnam—who had been radicalized by the Stamp Act—was among those immediately considered for high command. Named one of the Continental Army’s first four major generals, he helped plan and lead at the Battle of Bunker Hill, where he gave the order about “the whites of their eyes” and argued in favor of fortifying Breed’s Hill, in addition to Bunker Hill. Most of the battle would take place on Breed’s. During the battles for Manhattan, Brooklyn, and Long Island during the summer of 1776, Putnam proved himself a capable and courageous battlefield commander with a special eye for fortifications, but he sometimes faltered in tactical and strategic decision-making. In the fall of 1777, the British outmanned Putnam, resulting in the loss of several key forts in the Hudson Highlands near West Point. Putnam was exonerated by a court of inquiry, but—nearly sixty and opposed by powerful political elements from New York, including Alexander Hamilton—he spent many of the following months recruiting in Connecticut. In December 1779 he was returning to Washington’s Army to rejoin his division when he suffered a stroke and was paralyzed. The Whites of Their Eyes recounts the life and times of Israel Putnam, a larger-than-life general, a gregarious tavern keeper and farmer, who was a folk hero in Connecticut and the probable source of legendary words during the Revolutionary War—and whose exploits make him one of the most interesting officers in American military history.
Winner of the American Revolution Round Table of Richmond Book Award—“An impressive interpretation of the battle” (Arthur S. Lefkowitz, author of Benedict Arnold’s Army). Long overshadowed by the stunning American victory at Saratoga, the complex British campaign that defeated George Washington’s colonial army and led to the capture of the capital city of Philadelphia was one of the most important military events of the war. Michael C. Harris’s impressive Brandywine is the first full-length study of this pivotal engagement in many years. Though the bitter fighting around Brandywine Creek drove the Americans from the field, their heroic defensive stand saved Washington’s army from destruction and proved that the nascent Continental foot soldiers could stand toe-to-toe with their foe. Although more combat would follow, Philadelphia fell to Gen. Sir William Howe’s British legions on September 26, 1777. Harris’s Brandywine is the first complete study to merge the strategic, political, and tactical history of this complex operation and important set-piece battle into a single compelling account. More than a decade in the making, his sweeping prose relies almost exclusively upon original archival research and his personal knowledge of the terrain. Enhanced with original maps, illustrations, and modern photos, and told largely through the words of those who fought there, Brandywine will take its place as one of the most important military studies of the American Revolution ever written. “Take[s] the reader into the fields and along the front-lines . . . A first-rate military history that has a deserving spot on any student’s bookshelf of the American Revolution.” —Emerging Revolutionary War Era
In this overview of the Baltic region from the Vikings to the European Union, Michael North presents the sea and the lands that surround it as a Nordic Mediterranean, a maritime zone of shared influence, with its own distinct patterns of trade, cultural exchange, and conflict. Covering over a thousand years in a part of the world where seas have been much more connective than land, The Baltic: A History transforms the way we think about a body of water too often ignored in studies of the world’s major waterways. The Baltic lands have been populated since prehistory by diverse linguistic groups: Balts, Slavs, Germans, and Finns. North traces how the various tribes, peoples, and states of the region have lived in peace and at war, as both global powers and pawns of foreign regimes, and as exceptionally creative interpreters of cultural movements from Christianity to Romanticism and Modernism. He examines the golden age of the Vikings, the Hanseatic League, Gustavus Adolphus of Sweden, and Peter the Great, and looks at the hard choices people had to make in the twentieth century as fascists, communists, and liberal democrats played out their ambitions on the region’s doorstep. With its vigorous trade in furs, fish, timber, amber, and grain and its strategic position as a thruway for oil and natural gas, the Baltic has been—and remains—one of the great economic and cultural crossroads of the world.
“‘The Intimate City’ is a joyful miscellany of people seeing things in the urban landscape, the streets alive with remembrances and ideas even when those streets are relatively empty of people.”—Robert Sullivan, New York Times Book Review From the New York Times architecture critic, his celebrated walking tours of New York City, now expanded, covering four of the five boroughs and some 540 million years of history, accompanied by some of the people who know it best As New York came to a halt with COVID, Michael Kimmelman composed an email to a group of architects, historians, writers, and friends, inviting them to take a walk. Wherever they liked, he wrote—preferably someplace meaningful to them, someplace that illuminated the city and what they loved about it. At first, the goal was distraction. At a scary moment when everything seemed uncertain, walking around New York served as a reminder of all the ways the city was still a rock, joy, and inspiration. What began with a lighthearted trip to explore Broadway’s shuttered theater district and a stroll along Museum Mile when the museums were closed soon took on a much larger meaning and ambition. These intimate, funny, richly detailed conversations between Kimmelman and his companions became anchors for millions of Times readers during the pandemic. The walks unpacked the essence of urban life and its social fabric—the history, plans, laws, feats of structural engineering, architectural highlights, and everyday realities that make up a place Kimmelman calls “humanity’s greatest achievement.” Filled with stunning photographs documenting the city during the era of COVID, The Intimate City is the ultimate insider’s guide. The book includes new walks through LGBTQ Greenwich Village, through Forest Hills, Queens, and Mott Haven, in the Bronx. All the walks can be walked, or just be read for pleasure, by know-it-all New Yorkers or anyone else. They take readers back to an age when Times Square was still a beaver pond and Yankee Stadium a salt marsh; across the Brooklyn Bridge, for green tea ice cream in Chinatown, for momos and samosas in Jackson Heights, to explore historic Black churches in Harlem and midcentury Mad Men skyscrapers on Park Avenue. A kaleidoscopic portrait of an enduring metropolis, The Intimate City reveals why New York, despite COVID and a long history of other calamities, continues to inspire and to mean so much to those who call it home and to countless others.
Butterfly watching has begun to gain the popularity that bird watching has enjoyed for half a century. Much as birds served as a flagship of the conservation movement in this country, butterflies are coming to be seen as the rallying point for the protection of invertebrate species--now regarded as increasingly important for the well-being of all members of the ecosystem. Butterflies of New Jersey discusses the behavior, status, distribution, taxonomy, ecology, and conservation of butterflies in New Jersey. It is an innovative companion and complement to any butterfly identification guide of the Northeast. It pays particular attention to the place of butterflies in the ecosystem of New Jersey and neighboring regions and their relationships to other butterflies around the world. Its detailed species accounts of 140-plus kinds of butterflies found in the state and neighboring regions (out of 700 North American species) alert butterfly watchers to changes in populations over time. Where other butterfly guides typically include a section on collecting butterflies, this one includes a detailed chapter on protecting them by creating butterfly gardens and preventing habitat destruction. Butterflies of New Jersey is indispensable for everyone interested in the butterflies and natural history of the Garden State and its neighbor.
Michael Dummett, eminent filosoof en scherpzinnig maatschappijcriticus, pleit al vele jaren voor een eerlijke behandeling van immigranten en vluchtelingen in Europa. In dit inzichtelijke boek heeft hij voor de eerste keer al zijn gedachten over deze belangrijke kwestie gebundeld. Na een eerste verkenning van de verwarde en vaak zeer onrechtvaardige opvattingen over immigratie, onderwerpt Dummett de principes en rechtvaardigingen van het desbetreffende overheidsbeleid aan een nauwkeurig onderzoek, waarbij hij erop wijst dat dit beleid vaak in strijd is met de rechten van vluchtelingen zoals die in het Verdrag van Genève zijn neergelegd. Aan de hand van confronterende en vaak aangrijpende voorbeelden wijst Vluchtelingen en immigratie de weg naar een nieuwe, meer menswaardige benadering van een probleem dat wij niet mogen negeren.
Lonely Planet: The world’s number one travel guide publisher* Lonely Planet’s New York City is your passport to the most relevant, up-to-date advice on what to see and skip, and what hidden discoveries await you. Food truck, deli, pizza parlor, pub – eat your way through a world of food; take a sunset stroll across the Brooklyn Bridge for romantic views of amber skies; and take in a spectacular show on Broadway – all with your trusted travel companion. Get to the heart of New York City and begin your journey now! Inside Lonely Planet’s New York City: Colour maps and images throughout Highlights and itineraries help you tailor your trip to your personal needs and interests Insider tips to save time and money and get around like a local, avoiding crowds and trouble spots Essential info at your fingertips - hours of operation, phone numbers, websites, transit tips, prices Honest reviews for all budgets - eating, sleeping, sightseeing, going out, shopping, hidden gems that most guidebooks miss Cultural insights provide a richer, more rewarding travel experience - covering history, people, music, landscapes, wildlife, cuisine, politics Covers Lower Manhattan & the Financial District, SoHo & Chinatown, East Village & Lower East Side, West Village, Chelsea & the Meatpacking District, Union Square, Flatiron District & Gramercy, Midtown, Upper East Side, Upper West Side & Central Park, Harlem & Upper Manhattan, Brooklyn, Queens. eBook Features: (Best viewed on tablet devices and smartphones) Downloadable PDF and offline maps prevent roaming and data charges Effortlessly navigate and jump between maps and reviews Add notes to personalise your guidebook experience Seamlessly flip between pages Bookmarks and speedy search capabilities get you to key pages in a flash Embedded links to recommendations' websites Zoom-in maps and images Inbuilt dictionary for quick referencing The Perfect Choice: Lonely Planet’s New York City is our most comprehensive guide to the city, and is perfect for discovering both popular and offbeat experiences. Looking for just the highlights? Check out Pocket New York City, our handy-sized guide featuring the best sights and experiences for a shorter trip. About Lonely Planet: Lonely Planet is a leading travel media company and the world’s number one travel guidebook brand, providing both inspiring and trustworthy information for every kind of traveller since 1973. Over the past four decades, we’ve printed over 145 million guidebooks and grown a dedicated, passionate global community of travellers. You’ll also find our content online, and in mobile apps, video, 14 languages, nine international magazines, armchair and lifestyle books, ebooks, and more. ‘Lonely Planet guides are, quite simply, like no other.’ – New York Times ‘Lonely Planet. It's on everyone's bookshelves; it's in every traveller's hands. It's on mobile phones. It's on the Internet. It's everywhere, and it's telling entire generations of people how to travel the world.’ – Fairfax Media (Australia) *Source: Nielsen BookScan: Australia, UK, USA, 5/2016-4/2017 Important Notice: The digital edition of this book may not contain all of the images found in the physical edition.
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