american nightmare how government undermines the dream of homeownership

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American Nightmare

Author : Randal O'Toole
ISBN : 9781937184896
Genre : Political Science
File Size : 31. 58 MB
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The American Dream turned into a nightmare when the housing bubble burst, and people have been trying to figure out who to blame- Greedy bankers? Corrupt politicians? Ignorant homeowners? In American Nightmare: How Government Undermines the Dream of Homeownership, Randal O'Toole explores the forces at play in the housing market and shows how we can rebuild the American dream of homeownership by eliminating federal, state, and local policies that distort the free market for housing.

The Welfare Of Nations

Author : James Bartholomew
ISBN : 9781849549080
Genre : Technology & Engineering
File Size : 35. 5 MB
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Why is unemployment so low in Switzerland but so high in Spain? Why is social housing more successful in Singapore than in France? Why do welfare states across the world function so differently to Britain's? The twentieth century experienced an epochal war between capitalism and communism, but the real winner of the conflict, James Bartholomew argues, was welfare statism. The defining form of government of our age, welfare states have spread across the advanced world and are changing the very nature of modern civilisation. In his bestselling book The Welfare State We're In, Bartholomew controversially argued that the British welfare state has done more harm than good. Many people - including Lady Thatcher - responded by saying, 'If that is the case, what should we do about it?' Now, in this hard-hitting and provocative new contribution, Bartholomew sets out to answer that question. Travelling across the globe, from Australia in the east to San Francisco in the west, he investigates what happens elsewhere in the world and considers which welfare models Britain could potentially follow. His search for the best education, healthcare and support services takes him to eleven vastly different countries as he teases out the advantages and weaknesses of other nations' welfare states and delves into crucial issues such as literacy, poverty and inequality. What damage is being done by failing welfare states? What lessons can be learned from the best welfare states? And is it too late to stop welfare states permanently diminishing the lives and liberties of people around the world?

Issues For Debate In American Public Policy

Author : CQ Researcher,
ISBN : 9781544369242
Genre : Political Science
File Size : 88. 60 MB
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Written by award-winning CQ Researcher journalists, this annual collection of nonpartisan and thoroughly researched reports focuses on 16 hot-button policy issues. With reports ranging from racial profiling to prescription drug costs, the Twentieth Edition of Issues for Debate in American Public Policy promotes in-depth discussion, facilitates further research, and helps readers formulate their own positions on crucial policy issues. And because it is CQ Researcher, the policy reports are expertly researched and written, showing readers all sides of an issue. Because this annual volume comes together just months before publication, all selections are brand new and explore some of today’s most significant American public policy issues, including: racial profiling, populism and party politics, student debt, the gig economy, the future of the coal industry, prescription drug costs, and much more!

Cities And Private Planning

Author : David Emanuel Andersson
ISBN : 9781783475063
Genre : Social Science
File Size : 73. 77 MB
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Through comprehensive case studies of privately planned cities and neighbourhood in Asia, Europe and North America, this book characterizes the theoretical basis and empirical manifestations of private urban planning. In this innovative volume, Anderss

The Best Laid Plans

Author : Randal O'Toole
ISBN : 9781933995274
Genre : Political Science
File Size : 39. 79 MB
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Some people think they know all the answers. They know how far you should live from your job. They know how big your backyard should be. They know how cities and forests should grow. Government planners claim to know all of that and more. They say that if you want to live in pleasant communities, enjoy beautiful wilderness, and get to work on time, you should put them in charge. But 30 years of research has convinced Randal O’Toole—one of Newsweek's top 20 “movers and shakers in the West”—that they’re wrong. In The Best-Laid Plans, he shows in case after case that government planning frequently causes the very problems it is intended to solve. Combining theory with case studies to underscore his analysis, O’Toole calls for repealing federal, state, and local planning laws and proposes reforms that can help solve social and environmental problems without heavy-handed government regulation. The Best-Laid Plans is a powerful challenge to the conventional wisdom about public lands, urban growth, and government planning.


Author : Randal O'Toole
ISBN : 9781935308249
Genre : Political Science
File Size : 58. 66 MB
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America is the most mobile society in history, but our transportation system is on the verge of collapse. Traffic congestion is today five times greater than it was 25 years ago, yet many transportation plans and projects are making it worse. As Randal O’Toole reveals in Gridlock, the prime causes of our ailing system are a government transportation planning philosophy whose primary goal is to diminish auto use—hence, personal mobility—in combination with federal budget incentives that perversely encourage transportation planners to increase congestion. As a result, the automobile which is accessible to almost every family in the nation and provides unparalleled access to better housing, low-cost consumer goods, a choice-driven affordable life, and freedom—is being deliberately forced off the transportation grid by the expensive “solution” of little-used high-speed trains and urban transit lines. Gridlock presents a wide range of innovative ideas and policy recommendations for creating an effective transportation system—improvements that will increase our mobility and pay for themselves, whether it’s cars, buses, planes, or trains. At the center of O’Toole’s solutions are three core principles: those who use transportation facilities should pay for them; negative effects should be dealt with in a cost-efficient manner; and new technologies that will increase mobility at a low cost must be embraced. In Gridlock, Randal O’Toole brings energetic and unconventional thinking to transportation strategies that have, until now, only driven us into the breakdown lane.

American Nightmare

Author : Richard Lord
ISBN : UOM:39015060127514
Genre : Business & Economics
File Size : 41. 92 MB
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Homeowners who can't borrow from banks have long turned to the subprime lending industry for mortgages. Increasingly, that industry has turned on them by charging outrageous fees and usurious interest, and then taking their homes through foreclosure. Richard Lord explores the spread of predatory lending practices. And it tells the stories of borrowers who've been taken, contractors and brokers who've been co-opted, lenders who've cheated-and the world's biggest financial titans, who've cashed in. A battle is taking shape that could determine whether home ownership for working people will be an achievable dream or an American nightmare. Richard Lord is a writer for the Pittsburgh City Paper whose work on subprime lending has won numerous awards.

Reforming The Regulation Of The Government Sponsored Enterprises

Author :
ISBN : UOM:39015090376560
Genre : Government-sponsored enterprises
File Size : 58. 48 MB
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Author :
ISBN : UCLA:L0061657979
Genre : Savings banks
File Size : 49. 64 MB
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Foreclosure Prevention

Author : United States. Congress. House. Committee on Oversight and Government Reform
ISBN : MINN:31951D03248428N
Genre : Foreclosure
File Size : 81. 30 MB
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