Hard Choices

Hard Choices
Author: Jerry Buckland
Publisher: University of Toronto Press
Total Pages: 289
Release: 2012-03-30
Genre: Social Science
ISBN: 1442662611

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When low-income city dwellers lack access to mainstream banking services, many end up turning to ‘fringe banks,’ such as cheque-cashers and pawnshops, for some or all of their financial transactions. This predicament of ‘financial exclusion’ – faced by those underserved by conventional financial institutions – is comprehensively examined in Jerry Buckland's powerful study, Hard Choices. The first account of the nature and causes of financial exclusion in Canada, Hard Choices thoroughly integrates economic and social data on consumer choice, bank behaviour, and government policy. Buckland demonstrates why the current two-tier system of banking is becoming increasingly dysfunctional, especially in the context of new credit products that aggravate income inequality and stifle local economic growth. Featuring a foreword by esteemed economics scholar John P. Caskey, Hard Choices presents pragmatic policy improvements on both the public and private levels that can promote and build financial inclusion for all.

Local Dollars, Local Sense

Local Dollars, Local Sense
Author: Michael Shuman
Publisher: Chelsea Green Publishing
Total Pages: 290
Release: 2012
Genre: Business & Economics
ISBN: 1603583432

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Local Dollars, Local Sense is a guide to creating Community Resilience. Americans' long-term savings in stocks, bonds, mutual funds, pension funds, and life insurance funds total about $30 trillion. But not even 1 percent of these savings touch local small business-even though roughly half the jobs and the output in the private economy come from them. So, how can people increasingly concerned with the poor returns from Wall Street and the devastating impact of global companies on their communities invest in Main Street? In Local Dollars, Local Sense, local economy pioneer Michael Shuman shows investors, including the nearly 99% who are unaccredited, how to put their money into building local businesses and resilient regional economies-and profit in the process. A revolutionary toolbox for social change, written with compelling personal stories, the book delivers the most thorough overview available of local investment options, explains the obstacles, and profiles investors who have paved the way. Shuman demystifies the growing realm of local investment choices-from institutional lending to investment clubs and networks, local investment funds, community ownership, direct public offerings, local stock exchanges, crowdfunding, and more. He also guides readers through the lucrative opportunities to invest locally in their homes, energy efficiency, and themselves. A rich resource for both investors and the entrepreneurs they want to support, Local Dollars, Local Sense eloquently shows how to truly protect your financial future--and your community's.

Money $mart

Money $mart
Author: Ted Hunter
Publisher:
Total Pages: 364
Release: 2010-10-01
Genre: Finance, Personal
ISBN: 9780984387700

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"America's manual for smart personal money management ."

Civil Justice, Privatization, and Democracy

Civil Justice, Privatization, and Democracy
Author: Trevor C.W. Farrow
Publisher: University of Toronto Press
Total Pages: 396
Release: 2014-01-01
Genre: Law
ISBN: 1442645784

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Privatization is occurring throughout the public justice system, including courts, tribunals, and state-sanctioned private dispute resolution regimes. Driven by a widespread ethos of efficiency-based civil justice reform, privatization claims to decrease costs, increase speed, and improve access to the tools of justice. But it may also lead to procedural unfairness, power imbalances, and the breakdown of our systems of democratic governance. Civil Justice, Privatization, and Democracy demonstrates the urgent need to publicize, politicize, debate, and ultimately temper these moves towards privatized justice. Written by Trevor C.W. Farrow, a former litigation lawyer and current Chair of the Canadian Forum on Civil Justice, Civil Justice, Privatization, and Democracy does more than just bear witness to the privatization initiatives that define how we think about and resolve almost all non-criminal disputes. It articulates the costs and benefits of these privatizing initiatives, particularly their potential negative impacts on the way we regulate ourselves in modern democracies, and it makes recommendations for future civil justice practice and reform.

Payday Lending

Payday Lending
Author: Carl Packman
Publisher: Springer
Total Pages: 155
Release: 2014-09-16
Genre: Business & Economics
ISBN: 1137361107

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Payday Lending looks at the growth of the high cost credit industry from the early payday lending industry in the early 1990s to its development in the US as a highly profitable industry around the world.

Criminalization, Representation, Regulation

Criminalization, Representation, Regulation
Author: Deborah Brock
Publisher: University of Toronto Press
Total Pages: 481
Release: 2014-01-01
Genre: Social Science
ISBN: 1442607106

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This book draws on Foucault's concept of governmentality as a lens to analyze and critique how crime is understood, reproduced, and challenged.

SEC Docket

SEC Docket
Author: United States. Securities and Exchange Commission
Publisher:
Total Pages:
Release: 1997
Genre: Securities
ISBN:

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Payday Lending in Canada in a Global Context

Payday Lending in Canada in a Global Context
Author: Jerry Buckland
Publisher: Springer
Total Pages: 245
Release: 2018-03-29
Genre: Business & Economics
ISBN: 3319712136

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This book analyzes the highly contentious payday lending industry, presenting valuable new data collected during Canada's recent regulatory reviews and demonstrating its relevance to payday lending conversations taking place worldwide. The authors treat the industry with a balanced hand by establishing its importance as an example of financialization and acknowledging the complex impact of payday lending services on low-income and credit-constrained clients. Up-to-date data from an interdisciplinary mix of financial, econometric, legal, behavioral economic, and socioeconomic sources—all in the context of an established Canadian industry—provide both proponents and opponents of payday lending with valuable evidence for their discussions of how much regulation is required to minimize harmful consequences. These insights from Canada expand a US-centric conversation and provide a key resource for the growing list of countries in which the industry is present, from the UK and Poland to South Africa and Australia.

View from the Edge

View from the Edge
Author: Michael Kasenow
Publisher: Infinity Publishing
Total Pages: 395
Release:
Genre: Fiction
ISBN: 0741470993

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"I've been there with my books and bones. And what has it given me? A bad marriage and a visit to the nut house." So says Joshua Feenics, a University Professor recovering from a psychotic breakdown. He returns to work only to face a dull life without mea