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Debt
by David GraeberBefore there was money, there was debt Every economics textbook says the same thing: Money was invented to replace onerous and complicated barter systems--to relieve ancient people from having to haul their goods to market. The problem with this version of history? There's not a shred of evidence to support it. Here anthropologist David Graeber presents a stunning reversal of conventional wisdom. He shows that for more than 5,000 years, since the beginnings of the first agrarian empires, humans have used elaborate credit systems to buy and sell goods--that is, long before the invention of coins or cash. It is in this era, Graeber argues, that we also first encounter a society divided into debtors and creditors. Graeber shows that arguments about debt and debt forgiveness have been at the center of political debates from Italy to China, as well as sparking innumerable insurrections. He also brilliantly demonstrates that the language of the ancient works of law and religion (words like "guilt," "sin," and "redemption") derive in large part from ancient debates about debt, and shape even our most basic ideas of right and wrong. We are still fighting these battles today without knowing it. Debt: The First 5,000 Years is a fascinating chronicle of this little known history--as well as how it has defined human history, and what it means for the credit crisis of the present day and the future of our economy.From the Hardcover edition.
Debt: The First 5,000 Years
by David GraeberEvery economics textbook says the same thing: Money was invented to replace onerous and complicated barter systems-to relieve ancient people from having to haul their goods to market. The problem with this version of history? There's not a shred of evidence to support it. Here anthropologist David Graeber presents a stunning reversal of conventional wisdom. He shows that for more than 5,000 years, since the beginnings of the first agrarian empires, humans have used elaborate credit systems to buy and sell goods-that is, long before the invention of coins or cash. It is in this era, Graeber argues, that we also first encounter a society divided into debtors and creditors. Graeber shows that arguments about debt and debt forgiveness have been at the center of political debates from Italy to China, as well as sparking innumerable insurrections. He also brilliantly demonstrates that the language of the ancient works of law and religion (words like "guilt," "sin," and "redemption") derive in large part from ancient debates about debt, and shape even our most basic ideas of right and wrong. We are still fighting these battles today without knowing it. Debt: The First 5,000 Years is a fascinating chronicle of this little known history-as well as how it has defined human history, and what it means for the credit crisis of the present day and the future of our economy.
Debt: The First 5000 Years
by Sulaiman HakemyDebt is one of the great subjects of our day, and understanding the way that it not only fuels economic growth, but can also be used as a means of generating profit and exerting control, is central to grasping the way in which our society really works. David Graeber's contribution to this debate is to apply his anthropologists' training to the understanding of a phenomenon often considered purely from an economic point of view. In this respect, the book can be considered a fine example of the critical thinking skill of problem-solving. Graeber's main aim is to undermine the dominant narrative, which sees debt as the natural – and broadly healthy – outcome of the development of a modern economic system. He marshals evidence that supports alternative possibilities, and suggests that the phenomenon of debt emerged not as a result of the introduction of money, but at precisely the same time. This in turn allows Graeber to argue against the prevailing notion that economy and state are fundamentally separate entities. Rather, he says, "the two were born together and have always been intertwined" – with debt being a means of enforcing elite and state power. For Graeber, this evaluation of the evidence points to a strong potential solution: there should be more readiness to write off debt, and more public involvement in the debate over debt and its moral implications.
Debt: Ethics, the Environment, and the Economy
by Peter Y. Paik Merry Wiesner-HanksFrom personal finance and consumer spending to ballooning national expenditures on warfare and social welfare, debt is fundamental to the dynamics of global capitalism. The contributors to this volume explore the concept of indebtedness in its various senses and from a wide range of perspectives. They observe that many views of ethics, citizenship, and governance are based on a conception of debts owed by one individual to others; that artistic and literary creativity involves the artist's dialogue with the works of the past; and that the specter of catastrophic climate change has underscored the debt those living in the present owe to future generations.
Debt 101: From Interest Rates and Credit Scores to Student Loans and Debt Payoff Strategies, an Essential Primer on Managing Debt (Adams 101)
by Michele CaganGet out of debt and use credit wisely with this easy-to-understand, comprehensive guide to making your debt work for you. The key to borrowing, managing, and paying off debt is understanding what it is, how it works and how it can affect your finances and your life. Debt 101 is the easy-to-follow guide to discovering how to pay off the debt you have plus learning how to use debt to your advantage. Debt 101 allows you to take control of your money with strategies best suited for your personal financial situation—whether you are buying a home or paying off student loans. You will learn the ins and outs of borrowing in a simple, straightforward manner, managing student loans and credit card debt, improving your credit score, understanding interest rates, good debt vs. bad debt, and so much more. Finally, you can get ahead of the incoming bills and never let your debt intimidate you again!
Debt And Development In Small Island Developing States
by Damien King David F. TennantDebt and Development in Small Island Developing States draws on the expertise of established researchers and public officials from within the SIDS community to answer the following pressing questions related to sustainability, debt accumulation, and prospects for future growth.
Debt and Slavery in the Mediterranean and Atlantic Worlds (Financial History #22)
by Alessandro StanzianiFilling a significant gap in the historiography, the essays in this volume show that debt slavery has played a crucial role in the economic history of numerous societies which continues even today.
Debt and Transfiguration: Prospects for Latin America's Economic Revival
by David FelixCollection of essays representing the analysis and policy proposals of a wide range of economists, and dealing with many contentious issues about the re-structuring strategies of Latin American debtor countries, their economic and political adjustments, and schemes for external financing. Visits to customers by a cross-functional team of marketers and engineers play an important role in new product development, entry into new markets, and in exploring customer satisfaction and dissatisfaction. The new edition of this widely used professional resource provides step-by-step instructions for making effective use of this market research technique. Using a wealth of specific examples, Edward F. McQuarrie explains how to set feasible objectives and how to select the right number of the right kind of customers to visit. One of the leading experts in the field, McQuarrie demonstrates how to construct a discussion guide and how to devise good questions, and offers practical advice on how to conduct face-to-face interviews. Extensively updated throughout, this third edition includes three new chapters as well as expanded coverage of the analysis of visit data. It also discusses which industries and product categories are most (and least) suitable to the customer visit technique. The author also covers how the customer visit technique compares to other market research techniques such as focus groups.
The Debt Bomb: A Bold Plan to Stop Washington from Bankrupting America
by Tom A. Coburn John HartIn a nation whose debt has outgrown the size of its entire economy, the greatest threat comes not from any foreign force but from Washington politicians who refuse to relinquish the intoxicating power to borrow and spend. Senator Tom Coburn reveals the fascinating, maddening story of how we got to this point of fiscal crisis-and how we can escape. Long before America's recent economic downturn, beltway politicians knew the U. S. was going bankrupt. Yet even after several so-called "change" elections, the government has continued its wasteful ways in the face of imminent danger. With passion and clarity, Coburn explains why Washington resists change so fiercely and offers controversial yet commonsense solutions to secure the nation's future. At a time when millions of Americans are speculating about what is broken in Washington, The Debt Bomb is a candid, thoughtful, non-partisan expose of the real problems inside our government. Coburn challenges the conventional wisdom that blames lobbyists, gridlock, and obstructionism, and places the responsibility squarely where it belongs: on members of Congress in both parties who won't let go of the perks of power to serve the true interests of the nation-unless enough citizens take bold steps to demand action. "Democracy never lasts long. It soon wastes, exhausts, and murders itself. There was never a democracy yet that did not commit suicide. " -John Adams Throughout a distinguished career as a business owner, physician, and U. S. senator, Tom Coburn has watched his beloved republic careen down a suicidal path. Today, the nation stands on the precipice of financial ruin, a disaster far more dangerous to our safety than any terrorist threats we face. Yet Coburn believes there is still hope-if enough Americans are willing to shake the corridors of Washington and demand action. With an insider's keen eye and a caregiver's deft touch, Coburn diagnoses the mess that career politicians have made of things while misusing their sacred charge to govern. Coburn's incisive analysis: Reveals the root causes of America's escalating financial crisis Exposes Washington's destructive appetite for wasteful spending, power grabs, backroom deals, and quick non-fixes Rises above partisanship to implicate elected officials of all stripes in steering the nation off course Lays out a commonsense guide to restoring order Concludes with a clarion call and sound advice for Americans who would dedicate themselves to defusing the debt bomb Above all, Coburn believes the United States can continue as a beacon of opportunity for future generations-but how we act today will determine whether we deliver the nation to our children and grandchildren fully alive, on life support, or without a pulse.
Debt Capital Markets in China
by Jian Gao Stephen S. RoachAn in-depth look at China's burgeoning capital marketsAuthor Jian Gao is the number one authority on fixed income markets in China, and with this book, he brings his considerable experience and knowledge about these markets to investors worldwide. For those interested in becoming active in China's growing fixed income markets, Debt Capital Markets in China is the book you need to get started. It includes coverage of the primary and secondary markets, government debt instruments, corporate bonds, the collateralized bond market, and asset-backed securitizations. Debt Capital Markets in China also examines the developing market trends, which affect investors and institutions looking to make the most of this incredible financial opportunity.Dr. Jian Gao, PhD (Beijing, China) is the Vice Governor of China Development Bank (CDB).
Debt Crises and the Development of International Capital Markets
by Andrea Pescatori Amadou N. R. SyA report from the International Monetary Fund.
The Debt Crisis and European Democratic Legitimacy
by Huw MacartneyHuw Macartney considers the politics of depoliticisation in response to the Euro-zone debt crisis, and the limits to depoliticisation as indicated by recent resistance movements.
Debt, Crisis and Recovery: The 1930's and the 1990's (Columbia University Seminars Ser.)
by Albert G. Hart Perry G. MehrlingThis book provides a perspective by a prominent economist on the problems of debt, recession, and recovery in the 1930s as compared with the 1990s. The book begins with several chapters on the explosion of debt in the public and private sectors during the 1970s and 1980s, and its implications for economic stagnation and recession that seem to plague the economy. Resolution of the debt problem and reform of the banking and financial system are critically important because these problems dampen economic recovery and growth in the future. The second part of the book is a reprint of Albert Hart's classic 1938 study, Debts and Recovery 1929 to 1937, originally published by the 20th Century Fund. The extraordinary parallel between financial problems of the 1930s and the 1990s, solutions of the past, and proposed reforms for the future may provide a fascinating study for scholars and interested citizens alike.
Debt, Deficits, and the Demise of the American Economy
by Peter J. Tanous Jeff CoxWhat investors can do to protect their investments in the next phase of the ongoing global economic collapse The United States is heading toward an unavoidable financial catastrophe that will paralyze the markets and the overall economy in ways never before seen. Some call this impending economic catastrophe a double-dip recession, others a financial Armageddon. Regardless of what it's called, it is too late to stop it. Debts, Deficits, and the Demise of the American Economy is a look at how we got here, how the crisis is unfolding, and how it will end with a stock market crash in 2012, if not sooner. Takes you through the unraveling of the collapse, starting with a wave of sovereign debt defaults in Europe Predicts a stock market decline of two to three thousand points, a run on banks resulting in a major bank crisis, and rampant inflation Provides investment strategies, including alternative investments such as timber, farm land, and oil Offers a detailed proposal to get the United States out of the crisis Debts, Deficits, and the Demise of the American Economy is a must-read, play-by-play account of the worldwide depression that is likely to unfold in the coming years.
The Debt Delusion: Living Within Our Means and Other Fallacies
by John F. Weeks‘Governments should spend no more than their tax income.’ Most people in Europe and North America accept this statement as simple common sense. It resonates with the deeply engrained economic metaphors that dominate public discourse, from ‘living within your means’ to ‘balancing the budget’ – all necessary, or so conventional wisdom holds, to avoid the dangers of debt, taxation and financial ruin. This book shows how these homely metaphors constitute the ‘debt delusion’: a set of plausible-sounding yet false ideas that have been used to justify damaging austerity policies. John Weeks debunks these myths, explaining the true story behind public spending, taxation, and debt, and their real function in the management of our economies. He demonstrates that disputes about public finances are not primarily technical matters best left to specialists and experts, as many politicians would have us believe, but rather fundamentally questions about our true political priorities. Requiring no prior economic knowledge, this is an ideal primer for anyone wishing to cut through the rhetoric and misinformation that dominate political debates on economics and become an informed citizen.
Debt, Democracy and the Welfare State: Are Modern Democracies Living on Borrowed Time and Money?
by Rögnvaldur HannessonWhy is it that government debt in the developed world has risen to world war proportions in a time of peace? This can largely be attributed to governments maintaining welfare expenditures beyond what tax revenues allow. But will these governments refrain from doing what is necessary for economic growth for fear of losing their electorate?
Debt Elimination 101
by John CummutaDebt Elimination 101 is a concise guide to breaking free of debt and building a financially secure future. Drawn from Are You Being Seduced into Debt? by John Cummuta, this handbook will help readers begin spending and saving in a truly biblical manner.
The Debt Escape Plan: How to Free Yourself From Credit Card Balances, Boost Your Credit Score, and Live Debt-Free
by Beverly HarzogWinner of the American Society of Journalists and Authors' 2016 Outstanding Book Award in the Self-Help categoryPraise for Author’s Last Book:“Confessions of a Credit Junkie is presented in a conversational tone, without confusion, techno-speak complexity or excessive industry jargon. The book breaks through delusion and naiveté and can, given a chance, inspire even the most wide-eyed spender to avoid the pit of debt that snared Harzog and so very many others.—Creditcardinsider.comIf you’re in credit-card debt and you’re tired of being told that all you need to do is give up your daily latte—and cut up all your credit cards—this is the book for you.Former credit junkie Beverly Harzog racked up thousands of dollars in credit-card debt during a decade of overspending. When she decided she wanted to break free from debt, she found that conventional advice about personal finance didn’t work for her.So, Beverly created her own unique debt escape plan and succeeded in paying off more than $20,000 in credit card debt in two years.In The Debt Escape Plan, you’ll find easy-to-follow advice, often laced with a touch of Southern humor, to help you conquer—and stay out of—credit-card debt.In this much-needed book, you’ll learn:Why a one-size-fits-all approach to credit card debt doesn’t work.How to use the Money Personality Quiz to customize your own debt escape plan.The nine biggest debt mistakes and how to overcome them.Seven secrets for giving your credit score a quick boost.how to overcome the hardships of medical bills.How to debt-proof your future so this never happens to you again!
Debt-for-Development Exchanges
by Ross P. BuckleyDebt-for-development exchanges are an important financing tool for development. They make debt relief more politically and practically attractive to donor countries and serve the development of recipient countries through the cancellation of external debt and the funding of important development projects. This book commences by chronicling the emergence of debt-for-development exchanges from their forebears, debt-equity exchanges, and analyzes why debt for development suffers from very few of the problems that plagued debt equity. The book analyzes the different types of debt-for-development exchanges and the different ways they have been used by all donor nations that have made use of them. The book then explores a range of critical perspectives on exchanges and concludes by considering a wide range of new and innovative uses for the funds generated by exchanges.
Debt Free For Life: The Finish Rich Plan for Financial Freedom
by David BachGOODBYE DEBT--HELLO FREEDOM! Most of us grew up with the idea that there is good debt and there is bad debt. Good debts are generally considered to be debts you incur to buy things that can go up in value--like a home or college education. Bad debts are things like credit card balances, where you borrowed money to buy things that depreciate or go down in value, like most consumer goods. But as America's favorite financial coach, David Bach, points out, in difficult times there is no such thing as good debt. There is only debt. And all debt is too expensive-if what you desire is FREEDOM! In fact, Bach believes the best investment you can make today is to pay down your debt, faster and smarter than you have ever attempted before--starting today! In Debt Free for Life, #1 New York Times bestselling author David Bach has written his most groundbreaking and important book since The Automatic Millionaire, giving us the knowledge, the tools, and the mindset we need to get out of debt and achieve financial freedom-forever! Offering a revolutionary approach to personal finance that teaches you how to pay down your debt and adopt a whole new way of living, debt free. Bach unveils the Debt Wise program that empowers you to pare down your debt automatically. You'll learn how to calculate your Debt Freedom Day -- the actual date you will be completely free of debt. And you'll discover that when you are debt free, you need a lot less money to live on. You can retire, even with a smaller nest egg -- perhaps earlier than you expected. David Bach has coached millions to pay off their debt and now he can guide you. Whether you have home loans, student loans, car loans, credit card debt-paying down your debt is truly a game you can win, if you know the rules. Debt Free For Life will teach you the rules and give you the tools to buy back your freedom.
Debt Free For Life: The Finish Rich Plan for Financial Freedom
by David Bach<p>The #1 bestselling author presents his most important book since <i>The Automatic Millionaire</i> and gives Canadians the knowledge, the tools, and the mindset to get out of debt — forever. <p>Whether you are working off student loans or trying to meet the minimum balance on your credit card bill, you are probably worried every time you open your mailbox. With salaries frozen and layoffs looming, how will you ever be able to pay down that debt, let alone retire in peace? <p>Here, David Bach offers a new philosophy made for our times, a paradigm-shifting approach to finance that teaches you how to pay down your debt and adopt a whole new way of living. If you have debt, you can be rich but still not free. When you pay down your debt, you reach Freedom Day, that glorious moment when you need a lot less money just to live. On that day, you are truly free. You can have a smaller nest egg and still retire, perhaps even earlier than you expected. <p>With his trademark motivational energy and take-action step by step advice, Bach helps you revolutionize your finances. In these lean times, it's still possible to live your financial dreams. Let David Bach show you how.</p>
Debt-Free Forever: Take Control of Your Money and Your Life
by Gail Vaz-Oxlade<p>If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free, it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. <i>Debt-Free Forever</i> is Gail’s step-by-step guide, and she’ll show you how to: <p> <li>figure out how much you’ve actually been spending <li>calculate how much you owe—and what it’s costing you <li>build a budget that works <li>maximize your debt repayments so you can be free of consumer debt in 3 years or less <li>prepare for a rainy day so it doesn’t mean a major setback <li>set goals for your new, debt-free life.</li> <p> <p>Make no mistake: Getting out of debt isn’t easy. But in <i>Debt-Free Forever</i>, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever.<p>
Debt-Free Living: Eliminating Debt in a New Economy
by Larry BurkettCredit is so easily obtained, and credit card applications flow into our mailboxes virtually every day. Many couples find themselves deeply in debt and not even sure of how they got there, let alone how they can get out of it. Larry Burkett has the solution! His bestselling book, Debt-Free Living, has been updated and modernized. Debt-Free Living has been providing poignant and biblical teaching on debt for over a decade. This updated resource will teach the consumer about the origin of most financial troubles and help him or her break the 'debt cycle.' Debt-Free Living is a necessary resource to battle the temptation and trappings of debt that are weighing you down.
Debt-Free Living: Eliminating Debt in a New Economy
by Larry BurkettCredit is so easily obtained, and credit card applications flow into our mailboxes virtually every day. Many couples find themselves deeply in debt and not even sure of how they got there, let alone how they can get out of it. Larry Burkett has the solution! His bestselling book, Debt-Free Living, has been updated and modernized. Debt-Free Living has been providing poignant and biblical teaching on debt for over a decade. This updated resource will teach the consumer about the origin of most financial troubles and help him or her break the 'debt cycle.' Debt-Free Living is a necessary resource to battle the temptation and trappings of debt that are weighing you down.
The Debt-Free Millionaire: Winning Strategies to Creating Great Credit and Retiring Rich
by Anthony ManganielloPRAISE FOR THE MILLIONAIRE DEBT-FREE "The Debt-Free Millionaire is a clarion call for a generation that was brought up on spending tomorrow's money today. As someone who spent time in the financial services industry, I can unequivocally state that Anthony's pragmatic and refreshingly contrarian approach to the real secrets of cash-flow management—and leveraging the credit system—are a breath of fresh air in a smog-choked world of misinformation and confusing financial advice. I can think of a million reasons to read it." —MICHAEL DIFRISCO President, BrandXcellence "Read this book. Do what it says. Start living the dream. If you're ready to take charge of your financial future, this is the place to start." —KEITH J. CUNNINGHAM Keys to the Vault & Business School for Entrepreneurs "The Debt-Free Millionaire offers unique insights, little known strategies and easy-to-understand practical tools to first manage then eliminate debt. It is a must read for both consumers and financial professionals to better explain the often complex world of debt management. More like getting sensible advice from a good friend than a technical financial advisor." —ROY BALFOUR President of Ro???Mart Inc. "Tony has produced a clear and straightforward guide to debt, and how to eliminate it, that is as timely as it is needed. Anyone who follows the program in this book will be glad they did." —JEFFREY K. MEEK Former Vice President–Recovery Operations, WaMu Card Services "Great for readers of all ages and in all financial stages. This isn't one of those get-rich-quick schemes. This book provides a foundation for a paradigm shift in your thinking process and allows for you to see how to achieve the seemingly unachievable. I was hooked from the beginning!" —JENNA KEEHNEN Executive Director, www.USOBA.org