Subprime Health
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Subprime Health
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Author : Nadine Ehlers
language : en
Publisher: U of Minnesota Press
Release Date : 2017-07-15
Subprime Health written by Nadine Ehlers and has been published by U of Minnesota Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-07-15 with Social Science categories.
From race-based pharmaceutical prescriptions and marketing, to race-targeted medical “hot spotting” and the Affordable Care Act, to stem-cell trial recruitment discourse, Subprime Health is a timely examination of race-based medicine as it intersects with the concept of debt. The contributors to this volume propose that race-based medicine is inextricable from debt in two key senses. They first demonstrate how the financial costs related to race-based medicine disproportionately burden minorities, as well as how monetary debt and race are conditioned by broader relations of power. Second, the contributors investigate how race-based medicine is related to the concept of indebtedness and is often positioned as a way to pay back the debt that the medical establishment—and society at large—owes for the past and present neglect and abuses of many communities of color. By approaching the subject of race-based medicine from an interdisciplinary perspective—critical race studies, science and technology studies, public health, sociology, geography, and law—this volume moves the discussion beyond narrow and familiar debates over racial genomics and suggests fruitful new directions for future research. Contributors: Ruha Benjamin, Princeton U; Catherine Bliss, U of California, San Francisco; Khiara M. Bridges, Boston U; Shiloh Krupar, Georgetown U; Jenna M. Loyd, U of Wisconsin–Milwaukee; Anne Pollock, Georgia Tech.
Impact Of The Subprime Mortgage Crisis On Community Health
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Author : Christopher A. Mothorpe
language : en
Publisher:
Release Date : 2008
Impact Of The Subprime Mortgage Crisis On Community Health written by Christopher A. Mothorpe and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Atlanta Metropolitan Area (Ga.) categories.
Loans originated to borrowers with lower incomes and/or lower credit scores are classified as subprime. The spatial distribution of subprime loans is alarmingly concentrated in minority-dominated and low-income areas. Beginning in mid 2006 the subprime mortgage market began to see elevated levels of delinquent and defaulted loans. The causes are many but generally traced to the beginning of the reset periods for adjustable rate mortgages and the evaporation of demand for securitized subprime mortgages. As delinquent and default rates in subprime mortgages rise, areas with a concentration of high-risk borrowers are at risk to decline. The decline can be measured across four different groups of factors that indicate the health of a community. The four groups are: physical, institutional, socioeconomic and the residential body. The residential body factor group refers to the citizens of a community and their civic involvement. The analysis uses binary logistic regression to identify communities that are commonly associated with subprime mortgage defaults. Subprime loans in the ten-county Atlanta Metropolitan Area are the focus of the study. The analysis treats each census tract in the ten counties as an individual community. The sample loans are geocoded to the census tract level allowing defaulted loans to be tied to communities and their characteristics. The data is collected from a variety of sources including the U.S. Census Bureau, the Atlanta Regional Commission and RR Donnelley s Credit Risk Management database. The results indicate that the probability of subprime mortgage defaults are associated with higher vacancy rates, population loss, declining property tax revenues, depreciating property values, and declining owner reinvestment in their properties. Potential spill over impacts to the community include higher crime rates, decreased school funding and degradation of public infrastructure.
The Subprime Solution
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Author : Robert J. Shiller
language : en
Publisher: Princeton University Press
Release Date : 2012-09-24
The Subprime Solution written by Robert J. Shiller and has been published by Princeton University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-09-24 with Business & Economics categories.
A best-selling economist reveals the origins of the subprime mortgage crisis and puts forward bold measures to resolve it by restructuring the institutional foundations of the financial system in a thoughtful study by the author of Irrational Exuberance. First serial, The Atlantic.
Subprime Nation
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Author : Herman M. Schwartz
language : en
Publisher: Cornell University Press
Release Date : 2011-01-15
Subprime Nation written by Herman M. Schwartz and has been published by Cornell University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-01-15 with Political Science categories.
In his exceedingly timely and innovative look at the ramifications of the collapse of the U.S. housing market, Herman M. Schwartz makes the case that worldwide, U.S. growth and power over the last twenty years has depended in large part on domestic housing markets. Mortgage-based securities attracted a cascade of overseas capital into the U.S. economy. High levels of private home ownership, particularly in the United States and the United Kingdom, have helped pull in a disproportionately large share of world capital flows. As events since mid-2008 have made clear, mortgage lenders became ever more eager to extend housing loans, for the more mortgage packages they securitized, the higher their profits. As a result, they were dangerously inventive in creating new mortgage products, notably adjustable-rate and subprime mortgages, to attract new, mainly first-time, buyers into the housing market. However, mortgage-based instruments work only when confidence in the mortgage system is maintained. Regulatory failures in the U.S. S&L sector, the accounting crisis that led to the extinction of Arthur Andersen, and the subprime crisis that destroyed Lehman Brothers and Merrill Lynch and damaged many other big financial institutions have jeopardized a significant engine of economic growth. Schwartz concentrates on the impact of U.S. regulatory failure on the international economy. He argues that the "local" problem of the housing crisis carries substantial and ongoing risks for U.S. economic health, the continuing primacy of the U.S. dollar in international financial circles, and U.S. hegemony in the world system.
The Danger Zone Is Everywhere
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Author : George Lipsitz
language : en
Publisher: Univ of California Press
Release Date : 2024-08-27
The Danger Zone Is Everywhere written by George Lipsitz and has been published by Univ of California Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-08-27 with Law categories.
Compellingly argues that good health is as much social as it is biological, and that the racial health gap and the racial wealth gap are mutually constitutive. The Danger Zone Is Everywhere shows that housing insecurity and the poor health associated with it are central components of an unjust, destructive, and deadly racial order. Housing discrimination is a civil and economic injustice, but it is also a menace to public health. With this book, George Lipsitz reveals how the injuries of housing discrimination are augmented by racial bias in home appraisals and tax assessments, by the disparate racialized effects of policing, sentencing, and parole, and by the ways in which algorithms in insurance and other spheres associate race with risk. But The Danger Zone Is Everywhere also highlights new practices emerging in health care and the law, emphasizing how grassroots community mobilizations are creating an active and engaged public sphere constituency promoting new forms of legislation, litigation, and organization for social justice.
Unequal Coverage
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Author : Jessica M. Mulligan
language : en
Publisher: NYU Press
Release Date : 2017-12-26
Unequal Coverage written by Jessica M. Mulligan and has been published by NYU Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-12-26 with Medical categories.
"The Affordable Care Act set off an unprecedented wave of health insurance enrollment as the most sweeping overhaul of the U.S. health insurance system since 1965. In the years since its enactment, some 20 million uninsured Americans gained access to coverage. And yet, the law remained unpopular and politically vulnerable. While the ACA extended social protections to some groups, its implementation was troubled and the act itself created new forms of exclusion. Access to affordable coverage options were highly segmented by state of residence, income, and citizenship status. Unequal Coverage documents the everyday experiences of individuals and families across the U.S. as they attempted to access coverage and care in the five years following the passage of the ACA. It argues that while the Affordable Care Act succeeded in expanding access to care, it did so unevenly, ultimately also generating inequality and stratification. The volume investigates the outcomes of the ACA in communities throughout the country and provides up-close, intimate portraits of individuals and groups trying to access and provide health care for both the newly insured and those who remain uncovered. The contributors use the ACA as a lens to examine more broadly how social welfare policies in a multiracial and multiethnic democracy purport to be inclusive while simultaneously embracing certain kinds of exclusions"--Publisher's website.
Subprime Attention Crisis
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Author : Tim Hwang
language : en
Publisher: FSG Originals
Release Date : 2020-10-13
Subprime Attention Crisis written by Tim Hwang and has been published by FSG Originals this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-10-13 with Social Science categories.
From FSGO x Logic: a revealing examination of digital advertising and the internet's precarious foundation In Subprime Attention Crisis, Tim Hwang investigates the way big tech financializes attention. In the process, he shows us how digital advertising—the beating heart of the internet—is at risk of collapsing, and that its potential demise bears an uncanny resemblance to the housing crisis of 2008. From the unreliability of advertising numbers and the unregulated automation of advertising bidding wars, to the simple fact that online ads mostly fail to work, Hwang demonstrates that while consumers’ attention has never been more prized, the true value of that attention itself—much like subprime mortgages—is wildly misrepresented. And if online advertising goes belly-up, the internet—and its free services—will suddenly be accessible only to those who can afford it. Deeply researched, convincing, and alarming, Subprime Attention Crisis will change the way you look at the internet, and its precarious future. FSG Originals × Logic dissects the way technology functions in everyday lives. The titans of Silicon Valley, for all their utopian imaginings, never really had our best interests at heart: recent threats to democracy, truth, privacy, and safety, as a result of tech’s reckless pursuit of progress, have shown as much. We present an alternate story, one that delights in capturing technology in all its contradictions and innovation, across borders and socioeconomic divisions, from history through the future, beyond platitudes and PR hype, and past doom and gloom. Our collaboration features four brief but provocative forays into the tech industry’s many worlds, and aspires to incite fresh conversations about technology focused on nuanced and accessible explorations of the emerging tools that reorganize and redefine life today.
Understanding The Securitization Of Subprime Mortgage Credit
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Author : Adam B. Ashcraft
language : en
Publisher: DIANE Publishing
Release Date : 2010-03
Understanding The Securitization Of Subprime Mortgage Credit written by Adam B. Ashcraft and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-03 with categories.
Provides an overview of the subprime mortgage securitization process and the seven key informational frictions that arise. Discusses the ways that market participants work to minimize these frictions and speculate on how this process broke down. Continues with a complete picture of the subprime borrower and the subprime loan, discussing both predatory borrowing and predatory lending. Presents the key structural features of a typical subprime securitization, documents how rating agencies assign credit ratings to mortgage-backed securities, and outlines how these agencies monitor the performance of mortgage pools over time. The authors draw upon the example of a mortgage pool securitized by New Century Financial during 2006. Illustrations.
Sickening
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Author : Anne Pollock
language : en
Publisher: U of Minnesota Press
Release Date : 2021-08-17
Sickening written by Anne Pollock and has been published by U of Minnesota Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-08-17 with Social Science categories.
An event-by-event look at how institutionalized racism harms the health of African Americans in the twenty-first century A crucial component of anti-Black racism is the unconscionable disparity in health outcomes between Black and white Americans. Sickening examines this institutionalized inequality through dramatic, concrete events from the past two decades, revealing how unequal living conditions and inadequate medical care have become routine. From the spike in chronic disease after Hurricane Katrina to the lack of protection for Black residents during the Flint water crisis—and even the life-threatening childbirth experience for tennis star Serena Williams—author Anne Pollock takes readers on a journey through the diversity of anti-Black racism operating in healthcare. She goes beneath the surface to deconstruct the structures that make these events possible, including mass incarceration, police brutality, and the hypervisibility of Black athletes’ bodies. Ultimately, Sickening shows what these shocking events reveal about the everyday racialization of health in the United States. Concluding with a vital examination of racialized healthcare during the COVID pandemic and the Black Lives Matter rebellions of 2020, Sickening cuts through the mind-numbing statistics to vividly portray healthcare inequalities. In a gripping and passionate style, Pollock shows the devastating reality and consequences of systemic racism on the lives and health of Black Americans.
Financial Shock
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Author : Mark Zandi
language : en
Publisher: FT Press
Release Date : 2008-07-09
Financial Shock written by Mark Zandi and has been published by FT Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-07-09 with Business & Economics categories.
“The obvious place to start is the financial crisis and the clearest guide to it that I’ve read is Financial Shock by Mark Zandi. ... it is an impressively lucid guide to the big issues.” – The New York Times “In Financial Shock, Mr. Zandi provides a concise and lucid account of the economic, political and regulatory forces behind this binge.” – The Wall Street Journal “Aggressive builders, greedy lenders, optimistic home buyers: Zandi succinctly dissects the mortgage mess from start to (one hopes) finish.” – U.S. News and World Report “A more detailed look at the crisis comes from economist Mark Zandi, co-founder of Moody's Economy.com. His “Financial Shock” delves deeply into the history of the mortgage market, the bad loans, the globalization of trashy subprime paper and how homebuilders ran amok. Zandi's analysis is eye-opening. ... he paints an impressive, more nuanced picture.” – Kiplinger's Personal Finance Magazine “If you wonder how it could be possible for a subprime mortgage loan to bring the global financial system and the U.S. economy to its knees, you should read this book. No one is better qualified to provide this insight and advice than Mark Zandi.” –Larry Kudlow, Host, CNBC’s Kudlow & Company “Every once in a while a book comes along that’s so important, it commands recognition. This is one of them. Zandi provides a rilliant blow-by-blow account of how greed, stupidity, and recklessness brought the first major economic crises of the 21st entury and the most serious since the Great Depression.” –Bernard Baumohl,Managing Director, The Economic Outlook Group and best-selling author, The Secrets of Economic Indicators “Throughout the financial crisis Mark Zandi has played two important roles. He has insightfully analyzed its causes and thoughtfully recommended steps to alleviate it. This book continues those tasks and adds a third–providing a comprehensive and comprehensible explanation of the issues that is accessible to the general public and extremely useful to those who specialize in the area.” –Barney Frank, Chairman, House Financial Services Committee The subprime crisis created a gigantic financial catastrophe. What happened? How did it happen? How can we prevent similar crises from happening again? Mark Zandi answers all these critical questions–systematically, carefully, and in plain English. Zandi begins with a fast-paced overview and then illuminates the deepest causes, from the psychology of homeownership to Alan Greenspan’s missteps. You’ll see the home “flippers” at work and the real estate agents who cheered them on. You’ll learn how Internet technology and access to global capital transformed the mortgage industry, helping irresponsible lenders drive out good ones. Zandi demystifies the complex financial engineering that enabled lenders to hide deepening risks, shows how global investors eagerly bought in, and explains how flummoxed regulators failed to prevent disaster, despite crucial warning signs. Most important, Zandi offers indispensable advice for investors who must recognize emerging bubbles, policymakers who must improve oversight, and citizens who must survive whatever comes next. Liar’s loans, flippers, predatory lenders, delusional homebuilders How the housing market came unhinged, and the whirlwind came together Alan Greenspan’s trillion-dollar bet Betting on the boom, ignoring the bubble The subprime market goes global Worldwide investors get a piece of the action–and reap the results Wall Street’s alchemists: conjuring up Frankenstein New financial instruments and their hidden contents Back to the future: risk management for the 21st century Respecting the “animal spirits” that drive even the most sophisticated markets