Rabu, 10 Februari 2016

Get Free Ebook Ethics in Criminal Justice, Sixth Edition: In Search of the Truth

Get Free Ebook Ethics in Criminal Justice, Sixth Edition: In Search of the Truth

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Ethics in Criminal Justice, Sixth Edition: In Search of the Truth

Ethics in Criminal Justice, Sixth Edition: In Search of the Truth


Ethics in Criminal Justice, Sixth Edition: In Search of the Truth


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Ethics in Criminal Justice, Sixth Edition: In Search of the Truth

About the Author

Sam S. Souryal is Professor Emeritus of Criminal Justice and former Assistant Dean at the College of Criminal Justice at Sam Houston State University. A former police officer and public manager, Dr. Souryal has taught public administration, organization theory, and police management courses at the University of Wisconsin and Sam Houston State University. He has published numerous books and has been a frequent presenter at the Texas Law Enforcement Management Institute (LEMIT), International Law Enforcement Academy (ILEA), Texas Probation Commission Training, and the American Corrections Association. In 1999, he served as the Representative of the High Commissioner for Human Rights in Indonesia. A multi-lingual educator, Souryal has also lectured in Oxford, Germany, China, Taiwan, Egypt, Saudi Arabia, Yemen, Indonesia, Hungary, Mozambique, Botswana, and East Timor. He has also lectured at the FBI Academy. His continued involvement in both comparative and American criminal justice has earned him national and international recognition.

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Product details

Paperback: 550 pages

Publisher: Anderson; 6 edition (September 19, 2014)

Language: English

ISBN-10: 9780323280914

ISBN-13: 978-0323280914

ASIN: 0323280919

Product Dimensions:

7.5 x 1.2 x 9.4 inches

Shipping Weight: 3.3 pounds (View shipping rates and policies)

Average Customer Review:

3.0 out of 5 stars

5 customer reviews

Amazon Best Sellers Rank:

#478,433 in Books (See Top 100 in Books)

I needed this book for a class, as a criminal justice major and police officer I was highly disappointed by the bias and anti-police sediments in this book. over all got an A in the class.

THIS CLASS WAS CANCEL SO I DIDN'T HAVE TO USE THIS BOOK.

Great cases to analyze.

This book is positively awful. First off, I find it ironic that a professor of ethics can force students to buy his book for his class. Second, the book is written by a self-important and pompous person and is overly cluttered with flowery terms. The book could be cut by half if it wasn't written in hyperbole and rife with ridiculous and unnecessary metaphors. I pity you if you're like me and forced to buy or rent.

This book covers many issues including cultural diversity, moral character, decision making, virtues, ethical values and behavior, race, democracy, integrity, policing, perceptions, egoism, law, free will, corrections, etc. It is a good book to read for Criminal Justice and Law Enforcement professional as well as lawyers. The book covers the works of many different philosohers through the ages including The Stoics Epictetus, Epicurus, Plato, Aristotle, Thomas Aquinas, Saint Augustine, Kant, etc. It focuses on their writings regarding most of all the issues listed above. I think this book is a nice adjunct or supplement to traditional education and training in those relavent fields.

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Ethics in Criminal Justice, Sixth Edition: In Search of the Truth PDF

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Senin, 01 Februari 2016

Ebook Free Process Mining: Data Science in Action

Ebook Free Process Mining: Data Science in Action

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Process Mining: Data Science in Action

Process Mining: Data Science in Action


Process Mining: Data Science in Action


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Process Mining: Data Science in Action

Review

“The author of the book, Wil van der Aalst, is very knowledgeable in the area. … His research interests are workflow management, process mining, Petri nets, business process management, process modeling, and process analysis. … I enjoyed reading the book and learned about process mining. It will be helpful to researchers and industry professionals working on fields related to business processes such as business intelligence and workflow management.” (Gulustan Dogan, Computing Reviews, March, 2017)

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From the Back Cover

This is the second edition of Wil van der Aalst’s seminal book on process mining, which now discusses the field also in the broader context of data science and big data approaches. It includes several additions and updates, e.g. on inductive mining techniques, the notion of alignments, a considerably expanded section on software tools and a completely new chapter of process mining in the large. It is self-contained, while at the same time covering the entire process-mining spectrum from process discovery to predictive analytics.After a general introduction to data science and process mining in Part I, Part II provides the basics of business process modeling and data mining necessary to understand the remainder of the book. Next, Part III focuses on process discovery as the most important process mining task, while Part IV moves beyond discovering the control flow of processes, highlighting conformance checking, and organizational and time perspectives. Part V offers a guide to successfully applying process mining in practice, including an introduction to the widely used open-source tool ProM and several commercial products. Lastly, Part VI takes a step back, reflecting on the material presented and the key open challenges.Overall, this book provides a comprehensive overview of the state of the art in process mining. It is intended for business process analysts, business consultants, process managers, graduate students, and BPM researchers.

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Product details

Hardcover: 467 pages

Publisher: Springer; 2nd ed. 2016 edition (April 16, 2016)

Language: English

ISBN-10: 9783662498507

ISBN-13: 978-3662498507

ASIN: 3662498502

Product Dimensions:

6.1 x 1.1 x 9.2 inches

Shipping Weight: 1.9 pounds (View shipping rates and policies)

Average Customer Review:

5.0 out of 5 stars

4 customer reviews

Amazon Best Sellers Rank:

#666,380 in Books (See Top 100 in Books)

Great book, perfect balance between theory and everyday examples.I wish this book was in a bigger format; the graphics and the font are very small, at least for me.I recommend also taking the coursera Process Mining course by this author.

Great primer to the field.

Awesome book

Comprehensive, easy to understand, a little sense but I like that. I took his coursera course and bought the text to go with it. Great buy!

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Senin, 18 Januari 2016

Ebook Japanese Taupe Quilts: 125 Blocks in Calm and Neutral Colors, by Susan Briscoe

Ebook Japanese Taupe Quilts: 125 Blocks in Calm and Neutral Colors, by Susan Briscoe

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Japanese Taupe Quilts: 125 Blocks in Calm and Neutral Colors, by Susan Briscoe

Japanese Taupe Quilts: 125 Blocks in Calm and Neutral Colors, by Susan Briscoe


Japanese Taupe Quilts: 125 Blocks in Calm and Neutral Colors, by Susan Briscoe


Ebook Japanese Taupe Quilts: 125 Blocks in Calm and Neutral Colors, by Susan Briscoe

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Japanese Taupe Quilts: 125 Blocks in Calm and Neutral Colors, by Susan Briscoe

About the Author

Susan Briscoe, who lives in the U.K., is a textile designer, author, and teacher, specializing in sashiko and Japanese textile design. Briscoe taught English teacher Japan, where she also studied the tea ceremony, traditional textiles, and kimono design and tailoring. She has created design kits for Japanese patchwork fabrics, published textile projects in books and magazines, and demonstrates her work at quilt and textile shows. She is the author of Japanese Quilt Blocks to Mix and Match, published by Kodansha America.

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Product details

Hardcover: 128 pages

Publisher: Kodansha America; 1 edition (October 15, 2010)

Language: English

ISBN-10: 1568363788

ISBN-13: 978-1568363783

Product Dimensions:

9.1 x 0.7 x 9 inches

Shipping Weight: 1.5 pounds (View shipping rates and policies)

Average Customer Review:

4.6 out of 5 stars

51 customer reviews

Amazon Best Sellers Rank:

#774,126 in Books (See Top 100 in Books)

This book is very inspirational for an intermediate to advanced quilter. I do believe a much better job could have been done on instruction and editing of the individual blocks. The print for cutting detail is extremely small, assembly instructions are difficult to follow. Actually, I redrafted all of the blocks I have used so far and found a few mistakes, and I believe incomplete instructions. I would not recommend this book for any but advanced quilters. Some of the photography of blocks is misleading since they are not quilted and the seams show through giving the appearance of more complexity than there actually is.

Anyone curious about quilting in the Japanese style will treasure this collection of quilt blocks. The directions are clear and the presentation of the projects understandable. Some of the blocks require lots of piecing of small parts which was a challenge, but practice does help developing skill. The hardest part may have been searching for the right shades of "subtle" for these blocks. Search, and ye shall find!

Beautiful pictures and patterns. Have completed some of the quilt projects. Instructions well written. Great guide to taupe quilting.

THIS BOOK IS ABOVE AND BEYOND ANY OTHERS! YOU HAVE WONDERFUL BLOCKS TO GO THRU AND T R Y TO DECIDE WHICH ONE TO MAKEUP. THE DIRECTIONS FOR EACH BLOCK IS VERY TO THE POINT AND EXTREMELY EASY TO FOLLOW. I PERSONALLY HAVE A HARD TIME WITH PATTERNS, BUT THEIR ARE NO WORDS TO GET IN THE WAY! THESE BLOCKS DON'T HAVE TO BE LIMITED TO JAPANESE FABRICS OR ITEMS. EVERYONE SHOULD HAVE THIS IN THEIR LIBRARY!!

I like it so much making a quilt was my winter project. The author has it going on for sure. Am a quilter for over 20 years and am having a blast with the refreshing newness of the patterns and creative style. Gives me an opportunity to work on my artistic expression in quilting. Excellent book!

Beautifully done

Beautiful blocks for anyone who is a fan of Yoko Saito and her Japanese taupes/Daiwabo/woven fabrics.

A little under half the blocks are common quilt blocks which have been adapted slightly. The other new blocks are heavy into applique. I bought the book for the new quilt blocks and was very pleased with the selection. All the blocks are worked in browns, grays, golds and taupes giving a defferent view point from the usual brightly colored American quilts. The how to instructions were good but nothing out of the ordinary. There were 6 projects that use more applique than piece techniques.

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Minggu, 17 Januari 2016

Free Download In Good Faith: Questioning Religion and Atheism, by Scott A. Shay

Free Download In Good Faith: Questioning Religion and Atheism, by Scott A. Shay

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In Good Faith: Questioning Religion and Atheism, by Scott A. Shay

In Good Faith: Questioning Religion and Atheism, by Scott A. Shay


In Good Faith: Questioning Religion and Atheism, by Scott A. Shay


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In Good Faith: Questioning Religion and Atheism, by Scott A. Shay

Review

"I can't think of another book with which I disagree so strongly that has engaged me as deeply as this one. Scott Shay makes the case for religious belief with deep scholarship, clear logic and great civility. It would be wonderful if other advocates on both sides would take up this discourse in a similarly civil manner." (Barney Frank, Former Member of the House of Representatives)"In Good Faith is an extraordinary and beautifully written book, which offers an important new perspective. In Good Faith set the stage for a fruitful dialogue between believers and nonbelievers in the discussion of faith and scientific rationality. Scott Shay argues that monotheists and atheists can be on the same side and combat idolatry together. His definition of idolatry as a dangerous deification of finite beings and the ideas clarifies that modern rational critiques of religion can actually be helpful in clearing monotheism of its idolatrous streams." (Monsignor Tomas Halik, Professor of Sociology, Charles University and President of Czech Christian Academy)"This book is an inspired and profound exposition on the pitfalls of the idolatries of our age. What a remarkable manifesto on the rationality and indeed the beauty of faith as well as the ugliness and betrayals of idolatry! I hope that my fellow Muslims will give this book a fair hearing. It will only strengthen their own faith in the One and Only God who we all worship." (Dr. Khaled Abou El Fadl, UCLA School of Law)"Sit down with Shay as he speaks of his faith, and the reason he is a serious Jew. Here is an honest account of how a modern person finds meaning and purpose in a thoughtful consideration of ancient texts." (Professor Laurie Zoloth, Dean, The University of Chicago Divinity School)"Scott Shay has written a vigorous, well-informed and highly readable defense of faith in a secular age. Impressive in its scope and depth, it should be read by Jews, Christians, and Muslims, as well as skeptics, for they will find in it the reflective wisdom of one who has thought long and hard about the human struggle against idolatry in all its forms." (Rabbi Lord Jonathan Sacks, Professor of Law and Ethics, Kings College)"Friedrich Schleiemacher's On Religion: Speeches to Its Cultured Despisers (1799) took on the major arguments of the enlightened intelligentsia of his day. He, thereby revived Christianity and enabled it to thrive in the rise of reason and science. So Schleiemacher is known as the father of modern theology. Scott Shay's In Good Faith has picked up that historic baton and bridges believers with non-believers, of all religious persuasions, into a compelling 21st century story about why faith matters for healthy human communities today." (Professor Dwight N. Hopkins, University of Chicago Divinity School)"In Good Faith is a tour-de-force! Scott Shay considers a wide array of scholarly and popular arguments, sources, narratives, and conversations regarding religion, morality, and text in making a modern case for the plausibility and rationality of religion. In reading through its pages, I felt I was examining a 21st Century companion to Schleiermacher's classic On Religion: Speeches to Its Cultural Despisers. Written in a clear and engaging fashion, In Good Faith will deservedly capture the attention of thoughtful persons interested in questions of faith and doubt, good and evil. I recommend highly!"  (Rabbi David Ellenson, Chancellor Emeritus of Hebrew Union College-Jewish Institute of Religion)"Scott Shay invites you to a friendly but serious conversation with someone who is honest, learned, and sincere on a topic that requires far more nuanced exchanges than mere tweets and sound bites at a time when idolaters, both atheists and monotheists, are misusing and misrepresenting religions, misinterpreting and misappropriating the Bible to further their base ambitions while ignoring God's rational and compassionate visions for humanity and the world that are articulated in the Bible and practiced and valued by rational and modern believers. Whether one is a skeptic, Jew, Christian, Muslim, atheist, humanist, spiritual but not religious, or non-affiliate, you are in for an intellectual and spiritual treat if you dare to be open and honest about your own rationale for and experience of your belief or unbelief."  (Professor Uriah Y. Kim, Dean of Graduate Theological Union)"Scott Shay, in a deeply personal, yet academically rigorous study, shows why it is rational to believe in God, especially in this modern era. Modernity is deeply grounded in the great monotheistic religions, which created and inspired societal structures that value equality, justice, morality, ethics and care for the needy. This book defends those foundations against the common atheist argument that our modern values have emerged from secularism. Shay demonstrates why both faith and reason are necessary in our era. Whether from the political left or right, deeply religious or secular, readers will benefit from Shay's insights as to how good faith can help heal our fractured society." (Patrick McHenry, Congressman, North Carolina)In Good Faith is written with sincerity, honesty and intelligence. The book presents ideas in a straightforward manner without overbearing theological and philosophical language and without a dogmatic tone. In Good Faith reveals a depth of knowledge by Shay of the religious situation in contemporary Western Society and especially in America. I hope that many readers take advantage of this resource. They will be intellectually rewarded for having done so." (Professor Seyyed Hossein Nasr, Islamic Studies, The George Washington University)

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About the Author

Scott A. Shay has had a successful business career spanning Wall Street, private equity, venture capital, and banking. He co-founded Signature Bank of New York and has served as its Chairman since its formation. He has been a provocative commentator on many financial issues, including among others, how the banking system should best function to help society, the implications of a cashless world, and tax reform. Scott called for the re-imposition of Glass-Steagall and breaking up the big banks at a TEDx talk at the NY Stock Exchange in 2012. Throughout his life, he has been a student of religion and how religion ought to apply to the world outside of the synagogue, church, or mosque. In addition to authoring articles relating to the Jewish community, Scott authored the best-selling Getting Our Groove Back: How to Energize American Jewry (Second Edition, Devora 2008).

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Product details

Hardcover: 640 pages

Publisher: Post Hill Press (September 4, 2018)

Language: English

ISBN-10: 1682617920

ISBN-13: 978-1682617922

Product Dimensions:

6 x 1.8 x 9 inches

Shipping Weight: 1.9 pounds (View shipping rates and policies)

Average Customer Review:

4.9 out of 5 stars

12 customer reviews

Amazon Best Sellers Rank:

#270,120 in Books (See Top 100 in Books)

As an avid reader, I have enjoyed books by Sam Harris, Christopher Hitchens, Richard Dawkins and Yuval Hariri. Each of these authors argues that religion is outdated at best, and a source of war and evil at worst."In Good Faith" is Scott Shay's response to the question: does religion make sense?Scott does an outstanding and insightful job of answering the question affirmatively. To summarize, Scott demonstrates several key points:First, monotheism represented a major advance in culture, civilization, ethics, and lawfulness. Prior to monotheism - which was Judaism's gift to the world via Abraham - the world was characterized by lawlessness. To the extent other codes of law existed, they served primarily to empower dictators.Second, the real enemy of society is idolatry. Four millennia ago, idolatry was, literally, the "false god" that Abraham sought to replace. The gods of that age were really idols that enabled rulers to justify their abuse of power. Today, Scott makes the case that modern idolators include dictators like Hitler, Stalin, Pol Pot, and Kim Jung-On.Third, we should separate optics from reality. While it is true that people have committed heinous crimes in the name of religion, it is neither fair not accurate to lay those crimes at the foot of monotheism. Further, while some have criticized religion for justifying capital punishment, in fact the Torah served to limit the cases in which capital punishment could be applied. And in practice, as reflected in commentaries in the Mishnah, these applications were extremely rare.In sum, the monotheism that Abraham delivered to the world was unique in that it sought to advance justice for all, and not power for the rulers. This idea remains as radical, transformative, and important today as it was four millennia ago.Kudos to Scott for a powerful book!

Having just finished reading In Good Faith with the manifold ideas and concepts therein, which are interspersed with information in diverse areas of human knowledge, I would unhesitatingly recommend it to the reader who is regularly or even occasionally absorbed in thoughts beyond the mundane. Whether one is a believer, an atheist or an agnostic, this book is thought provoking, challenging and instructive in its idea- packed pages. With over 500 endnotes, I was amazed at the research that went into writing this treatise on faith. It should be on the syllabus of every college course on religion. Scott Shay, whose day job is in the financial sector, has outdone many who write on this subject and are members of the cloth. Impressive!

In these divisive times, where believers and non-believers spend so much time attempting to prove the irrelevance of each other, it is so refreshing and quite frankly a great relief to read "In Good Faith," a sincere effort to find a common ground. With great clarity and intelligence, timely humor and common sense, and a firm scholarly basis, Mr. Shay guides us through the essential tenets of the Bible--the ills of idolatry, the power of love, the virtues of following the Golden Rule to create a just and decent society for all people--that we all can ascribe to. For believers who may not have really investigated the Bible, Mr. Shay presents cogent arguments for the historical veracity of the Biblical story. And for non-believers, it can be a story, maybe more metaphorical, that nonetheless espouses views that atheists can accept and live by. The Bible has been a major influence on world civilization for thousands of years and is here to stay. While it may not be for everyone and may have been used for negative purposes in the past, Mr. Shay has overwhelmingly shown how it also has brought disparate peoples together in the name of that which is good and just for everyone. If there was ever a time to embrace the Bible as a positive force, it is now! If you care about the world, I strongly urge and recommend that you read this book!

IN GOOD FAITH tackles a multitude of questions fairly and fearlessly. It is that rare combination which consistently illustrates all sides of complex questions about Faith, the Bible, the existence of God, the history of Atheism. Written by Scott Shay with the courage of an open mind, the author confronts and explains many theories from all schools of thought with solid research, original ideas and most importantly, humor and heart. Any person with a brain in his or her head and feelings in their heart should read it and enjoy the pleasure of a thinking man’s approach to “Questioning Religion and Atheism”. This book is a rare and beautiful work. Bravo!!

“In Good Faith” Amazon book review:I strongly encourage you to read this book! “In Good Faith” is an inspirational and intellectual journey that thoughtfully and respectfully weaves the important messages and contributions of the Bible, with historical events, and modern-thought that delivers an honest and fair defense to Atheists’ claims that religion is irrelevant and irrational. Written through the lens of a brilliant and accomplished Wall Street investment banker, Scott invites several gifted religious leaders of Jewish, Christian and Muslim faiths to the conversation who offer context and perspective to some of the most challenging claims against the Bible and religion.The research component of this book is so thorough and exhaustive. It could be used as a university textbook but not in an overwhelming sense where a casual, interested reader loses key messages in the details. "In Good Faith" serves a wide audience of diverse faiths and especially those who have either lost their faith or don’t identify with religion.The timing of “In Good Faith” couldn’t be any better and the content couldn’t be any more relevant. It comes at a very important time in our history when our values, beliefs, and faith traditions are being tested and compromised by modern day idolatry.

Great compilation of faith arguments. Super interesting interviews and commentary across religious groups including Jewish, Christian and Muslim leaders

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Senin, 04 Januari 2016

PDF Download Hands-On Data Structures and Algorithms with Rust: Learn programming techniques to build effective, maintainable, and readable code in Rust 2018, by Claus Matzinger

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Hands-On Data Structures and Algorithms with Rust: Learn programming techniques to build effective, maintainable, and readable code in Rust 2018, by Claus Matzinger

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Paperback: 316 pages

Publisher: Packt Publishing (January 25, 2019)

Language: English

ISBN-10: 178899552X

ISBN-13: 978-1788995528

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Senin, 28 Desember 2015

Get Free Ebook The Fragile Middle Class: Americans in Debt, by Teresa A. Sullivan Elizabeth Warren

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The Fragile Middle Class: Americans in Debt, by Teresa A. Sullivan Elizabeth Warren

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A sizable portion of the U.S. middle class--far more than pundits acknowledge--teeters on the brink of economic failure, according to this fascinating, alarming study. Noting that personal bankruptcies have hit record levels (more than one million American households file for them each year), the authors (As We Forgive Our Debtors) zero in on middle-class vulnerability through a detailed survey of 2,452 people across the nation who filed for bankruptcy during the 1990s. Included in their sample are teachers, accountants, computer engineers, sales clerks, executives, entrepreneurs, doctors and dentists--solidly middle-class folk who fell into financial disaster. Employment problems (layoffs, "skidding" to a lower-paying job, part-time work) were the biggest factor, as was the overuse of credit cards. Respondents also cited unpayable medical bills, loss of income from illness or accident, the financial burden on single-adult households that result from divorce and home buyers purchasing more than they could afford. Illustrated with tables and graphs, this crisply written report is occasionally dry, but many readers will identify with the down-to-earth case histories. A good number of the profiled personal-bankruptcy filers are full of regret, self-blame and humiliation, contradicting the popular perception that filing is an easy way out of one's economic woes. While the authors offer no comprehensive solutions to this societal malaise, their chilling diagnosis of middle-class affliction demonstrates that we all may be only a job loss, medical problem or credit card indulgence away from the downward spiral leading to bankruptcy. (May) Copyright 2000 Reed Business Information, Inc.

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Following up the authors' 1989 As We Forgive Our Debtors: Bankruptcy and Consumer Credit in America, winner of the American Bar Association Silver Gavel Award, this book considers the middle class in terms of bankruptcy. The authors seek to discover why so many families are in economic trouble. They note that while Americans during the 1990s lived in a time of prolonged economic prosperity, there was, paradoxically, a 340 percent increase in the rate of personal economic failure between 1981 and 1999. Using a 1991 study of 16 federal bankruptcy districts in five states, the authors find that, like "proverbial canaries in the mine shaft," the bankruptcies highlight five key stresses that America's middle class experiences today: unemployment, credit card and personal debt, sickness and injury, family problems, and the high cost of home ownership. Clear in purpose, this important work is highly recommended for academic and larger public libraries.-Norman B. Hutcherson, Kern Cty. Lib., Bakersfield, CA Copyright 2000 Reed Business Information, Inc.

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Product details

Hardcover: 400 pages

Publisher: Yale University Press; Complete Numbers Starting with 1, 1st Ed edition (March 11, 2000)

Language: English

ISBN-10: 0300079605

ISBN-13: 978-0300079609

Product Dimensions:

6 x 1.5 x 9 inches

Shipping Weight: 1.6 pounds (View shipping rates and policies)

Average Customer Review:

4.2 out of 5 stars

13 customer reviews

Amazon Best Sellers Rank:

#739,303 in Books (See Top 100 in Books)

Borrower's default on various credits and bankruptcy are pretty much Middle Class phenomenon (more than lower-income class). This makes sense as it takes a middle class income to get credit cards, auto loans, and mortgages. The truly poor don't have enough income to get credit and go bankrupt.The Legislature has often treated this Middle Class phenomenon with laws to strengthen creditors' rights such as the Bankruptcy Reform Act of 2005. The latter made it more challenging for consumers to file for bankruptcy. It made it especially challenging to file Chapter 7 (complete discharge of debt); and, often rerouted debtors towards Chapter 13 associated with debt repayment plans.Elizabeth Warren, a Harvard lawyer, has defended the Middle Class. She treats it not as an irresponsible dead beat; but instead as a victim of dubious creditors practices. As a result of her dynamic advocacy, the Legislature passed the Credit Card Act of 2009 to restrict credit card issuers abusive practices. And, she also implemented the Consumer Financial Protection Bureau (CFPB) to be a vigilant watch dog of nefarious financial service practices and improve the transparency of any consumer financial transaction.Warren has conducted extensive research with numerous social scientist on related subjects: bankruptcy, consumer finance, Middle Class vulnerability. And, "The Fragile Middle Class" is one of the cornerstones of her research compilation. This data driven book covers two extensive studies: Consumer Bankruptcy Project Phase I associated with 1981 data and Consumer Bankruptcy Project Phase II associated with 1991 data. Additionally, the book also covers many related time series data from 1962 to 1996.From her collective researches compiled within this book, Warren derives numerous interesting insights. First, the data confirms that bankruptcy is a Middle Class phenomenon. The bankrupt filers are not so different than the general population in terms of income, education, assets, etc... And, she supports that with extensive graphs comparing the distribution of each variable. She also uncovers that bankruptcy rates have skyrocketed from 1962 to 1996. This trend is associated with an equivalent skyrocketing of consumer debt level burden measured by debt to income ratios, and a similar rise in foreclosure rates. That is where Warren advanced that credit practices in issuing credit cards and mortgages were occasionally egregious and taking advantages of naive borrowers.Warren's findings (consumer debt unsustainable rise, rising foreclosure) were over 20 years prior to the recent financial crisis. In other words, from her research she could see that a perfect storm was brewing. And, she did express alarming concerns within a related documentary called Maxed Out that covered the abuse of the credit card industry. She also addressed this issue in Inside Job.In addition to abusive creditors practices, Warren discovered that medical issues were a major reason people filed for bankruptcy. Uncovered medical bills related to sometimes catastrophic medical events would cause the patient to pay the first few bills on his credit cards, and the second set on a home equity line. Pretty soon, the same person defaults on everything and loses a house to foreclosure, and has to file for bankruptcy. So, medical bills were the engine of credit destruction. Within Michael Moore's bonus features of Sicko (Special Edition) Warren goes on a 6 minute interview indicating how medical related bankruptcies not only affects the uninsured, it affects the insured as well! In 2007, she conducted with other social scientists an updated study on medical related bankruptcies. She found out that 75% had medical insurance! This same study concludes: "Medical impoverishment... is almost unheard of in wealthy countries other than the US. The US health care financing system is broken, and not only for the poor and uninsured. Middle-class families frequently collapse under the strain of a health care system that treats physical wounds, but often inflicts fiscal ones."In view of the above, only people ignorant of how bad our current health care system is could defend it.

In some ways, this is the authors' companion book to their excellent book, As We Forgive Our Debtors. The Fragile Middle Class is less academic than As We Forgive Our Debtors and focuses more on the people who fall into bankruptcy and less on the economics and supporting cast of players (creditors and legal system)that comprise the U.S. bankruptcy system. In this book, the authors could provide reasons for why some individuals find themselves at the mercy of the bankruptcy court. For the time-pressed, Chapter One, Americans in Crisis, aptly summarizes the contents of the book.The book provides the reader with a comprehensive definition of what it means to be 'middle-class'. It also provides the key socio-economic reasons underlying bankruptcy. These are: income disturbances (which includes unemployment and under-employment), credit cards, illness, divorce and housing. One chapter each is devoted to these reasons. Throughout, the stated goal of the authors was to tell the reader what the portrait of the bankrupt can tell us about the rest of society.The authors re-affirm the old refrain that economic insecurity has greatly increased in American society. Their work strongly indicates that by far the greatest culprit leading to bankruptcy is job loss, followed by divorce and/or illness. In many cases, as the authors demonstrate, more than one culprit may be at work in a particular bankruptcy.Perhaps the most interesting thing I noted in reading the book was the juicy little tidbit on credit cards on page 128. While the authors readily admit that mere possession of a credit card will not lead to bankruptcy, they do insist that the level of such revolving debt (for which they define the tipping point toward bankruptcy as short-term debt exceeding one and a half times gross annual income) is critical, and take care to point out that the debts can keep on compounding (at twenty-four percent interest, compounded monthly) long after the cardholder has shredded his or her piece of plastic.In sum, this book was a very readable introduction to bankruptcy among the middle class. The authors have once again cranked out another excellent study.

I had to read this book for a class. I don't like to read but I think this book certainly sheds a lot of light on the financial problems our society is facing right now. It's a must read.

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Selasa, 01 Desember 2015

PDF Download , by Jean Eick

PDF Download , by Jean Eick

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File Size: 16758 KB

Print Length: 24 pages

Publisher: The Child's World, Inc.; 1 edition (January 1, 2014)

Publication Date: January 1, 2014

Sold by: Amazon Digital Services LLC

Language: English

ASIN: B00IWA94WA

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