Utilizing Digital Tools for the Surveillance of the US Mortgage Market

2019 ◽  
Author(s):  
Li Chang ◽  
Richard Koss
Keyword(s):  
Mortgage Market ◽  
Digital Tools ◽  
The Us

White Noise and Black Boxes: Social Justice Discourses and Social Media Practices

2021 ◽  
Vol 57 (3) ◽  
pp. 310-318
Author(s):  
Didem Uca
Keyword(s):  
Social Media ◽  
Social Justice ◽  
White Noise ◽  
Digital Tools ◽  
Right Wing ◽  
Black Boxes ◽  
The Us ◽  
Media Practices ◽  
Digital Spaces

Social media has long been a powerful tool for marginalized individuals to connect and form communities. Yet the digital tools used to facilitate these modes of communication, including the hashtag, can also be overpowered by misuse from users outside of these communities. This essay analyzes recent efforts by people of colour in Germany and the US to curate digital spaces by creating and utilizing hashtags such as #BlackLivesMatter and #MeTwo that center their voices, while also discussing appropriation and right-wing responses to progressive social justice activism that threaten the hashtag’s ability to make meaningful content available to the users who need it.

scholarly journals Regional Redistribution through the US Mortgage Market

2016 ◽  
Vol 106 (10) ◽  
pp. 2982-3028 ◽  
Author(s):  
Erik Hurst ◽  
Benjamin J. Keys ◽  
Amit Seru ◽  
Joseph Vavra
Keyword(s):  
Interest Rates ◽  
Default Risk ◽  
The United States ◽  
Mortgage Market ◽  
Interest Rate Policy ◽  
Us Economy ◽  
The Us ◽  
Local Risk ◽  
Regional Shocks ◽  
Government Sponsored Enterprises

Regional shocks are an important feature of the US economy. Households' ability to self-insure against these shocks depends on how they affect local interest rates. In the United States, most borrowing occurs through the mortgage market and is influenced by the presence of government-sponsored enterprises (GSE). We establish that despite large regional variation in predictable default risk, GSE mortgage rates for otherwise identical loans do not vary spatially. In contrast, the private market does set interest rates which vary with local risk. We use a spatial model of collateralized borrowing to show that the national interest rate policy substantially affects welfare by redistributing resources across regions. (JEL E32, E43, G21, G28, L32, R11, R31)

Short-Term International Virtual Teams

2021 ◽  
pp. 205-227
Author(s):  
Debra D. Burleson ◽  
Uchenna Peters
Keyword(s):  
Virtual Teams ◽  
Virtual Team ◽  
Digital Tools ◽  
Workplace Communication ◽  
Global Mindset ◽  
Short Term ◽  
Face To Face ◽  
The Us ◽  
Spatial Differences ◽  
Team Project

Workplace communication is changing exponentially, and these changes have directly impacted employees. Employees, who learned more traditional face-to-face practices, have had to adapt to a global mindset. In 2014, 3,000 managers surveyed from more than 100 countries reported that 40% of their employees spent at least half of their time on virtual teams, and over 77% of the teams were multicultural. Preparing employees and students for a global workplace that uses digital tools is challenging. The authors developed resources and tools for a 3-week virtual team project with students at universities in the US and Europe. Resources include details about assigning teams, preparing students for the virtual team experience, launching the project, and providing context for the cultural and spatial differences that students may experience.

From Wall Street to Main Street: The Financial Crisis in the US

2009 ◽  
Vol 34 (3) ◽  
pp. 15-24
Author(s):  
Douglas Young
Keyword(s):  
Financial Crisis ◽  
Financial System ◽  
Mortgage Market ◽  
Wall Street ◽  
Policy Responses ◽  
Main Street ◽  
The Us ◽  
Boom And Bust ◽  
Three Stages ◽  
Real Estate Prices

What caused the ‘meltdown’ in the US financial markets? In this transcribed version of his talk delivered at IIMA, Douglas Young explores the variety of factors that influenced the housing boom and bust and discusses how that affected the household saving behaviour and the behaviour of lenders in the mortgage market, ultimately culminating into a financial crisis. The factors which led to the crisis include public policy, financial innovation, and just plain ‘bubble mania’ – the belief that real estate prices would just keep on rising forever. The policy responses are in three stages – (a) prevention of a collapse in the financial system; (b) Economic Stimulus and Recovery Act in place to cut taxes, increase infrastructure spending, etc., and (c) regulatory reforms for the financial system. The consequences of financial crisis for the Wall Street, Main Street, and India are also discussed.

Prospects for the Uk Economy

2009 ◽  
Vol 207 ◽  
pp. 51-70
Author(s):  
Simon Kirby ◽  
Ray Barrell ◽  
Vladimir Pillonca
Keyword(s):  
Global Economy ◽  
Banking System ◽  
Mortgage Market ◽  
Securities Markets ◽  
Access To Credit ◽  
The Past ◽  
Global Banking ◽  
The Us ◽  
Bank Of England ◽  
The Uk

Since our October forecast events have conspired to worsen the outlook for the UK and global economy. Concerns about the solvency of banks across the globe have continued, and in some cases intensified. The inter-linkages of the global economy continue to be highlighted as the list of economies slipping into recession grows, even for those who have not suffered the direct shock of a crisis in their domestic banking system. Indeed what started as a problem in securities markets related to sub-prime lending in the US mortgage market has evolved into the near collapse of the global banking system. The UK has enjoyed the fruits of the rapid growth of financial intermediation over the past decade. However, such gains are being sharply reversed, as discussed on pp. 4–8 of this Review. The problem of access to credit for households and non-financial corporations still persists and, if anything, the situation seems to have deteriorated. As discussed on pp. 71–2 of this Review, Bank of England data suggest that lending by banks to households and businesses contracted in the final quarter of last year, even though £37 billion (2.6 per cent of money GDP) of new capital was injected into two major UK banking groups, effectively nationalising one of them (Royal Bank of Scotland).

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