Subprime Health

2017-07-15 Social Science

Author : Nadine Ehlers
Release : 2017-07-15
Genre : Social Science
Kind : eBook
Book Rating : 695/5 ( reviews)

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Book Synopsis Subprime Health by : Nadine Ehlers

Download or read book Subprime Health written by Nadine Ehlers. This book was released on 2017-07-15. Available in PDF, EPUB and Kindle. Book excerpt: 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

2008 Atlanta Metropolitan Area (Ga.)

Author : Christopher A. Mothorpe
Release : 2008
Genre : Atlanta Metropolitan Area (Ga.)
Kind : eBook
Book Rating : /5 ( reviews)

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Book Synopsis Impact of the Subprime Mortgage Crisis on Community Health by : Christopher A. Mothorpe

Download or read book Impact of the Subprime Mortgage Crisis on Community Health written by Christopher A. Mothorpe. This book was released on 2008. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Subprime Mortgages

2007 Business & Economics

Author : Edward M. Gramlich
Release : 2007
Genre : Business & Economics
Kind : eBook
Book Rating : 391/5 ( reviews)

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Book Synopsis Subprime Mortgages by : Edward M. Gramlich

Download or read book Subprime Mortgages written by Edward M. Gramlich. This book was released on 2007. Available in PDF, EPUB and Kindle. Book excerpt: Over the past decade, a new mortgage market offering loans at low interest rates and for little or no money down has given low-income people an opportunity to pursue the American dream of homeownership. The resulting wave in home buying promised to stabilize neighborhoods and families, boost the economy, and reduce crime. In many ways, the optimists were correct, but now, less than fifteen years later, the subprime mortgage market is collapsing, threatening to take the rest of the housing sector along with it.Subprime Mortgages: America's Latest Boom and Bust analyzes how the subprime market emerged, why it is in crisis, and how we can reform public policy to avert disaster. An attendant examination of the rental market also offers recommendations for shoring up what may be the best housing option for some families.

Subprime Attention Crisis

2020-10-13 Social Science

Author : Tim Hwang
Release : 2020-10-13
Genre : Social Science
Kind : eBook
Book Rating : 246/5 ( reviews)

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Book Synopsis Subprime Attention Crisis by : Tim Hwang

Download or read book Subprime Attention Crisis written by Tim Hwang. This book was released on 2020-10-13. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Subprime Nation

2009 Capital market

Author : Herman M. Schwartz
Release : 2009
Genre : Capital market
Kind : eBook
Book Rating : 672/5 ( reviews)

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Book Synopsis Subprime Nation by : Herman M. Schwartz

Download or read book Subprime Nation written by Herman M. Schwartz. This book was released on 2009. Available in PDF, EPUB and Kindle. Book excerpt: The author 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 overseas capital into the U.S. economy. High levels of private home ownership helped pull in a disproportionately large share of world capital flows. 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 other big financial institutions have jeopardized a significant engine of economic growth. The author concentrates on the impact of U.S. regulatory failure on the international economy. He argues that the ?local? problem of the housing crisis carries 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.

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