Preserving The American Dream

Saving the American Dream is a provocative and thoughtful account of how our nations ideals of equality and the pursuit of happiness emerged as an inspiration and a beacon of hope for the entire world, and how politicians, Wall Street and our own sense of entitlement have gradually eroded this Dream to the point of endangering Americas preeminence. In this fascinating and informative book, Louis Hernandez, Jr. explores the origins, evolution and economic underpinnings of the American Dream, detailing how key government policies over-facilitated the Dreams attainment, weakened the will of the American people and drove us inexorably toward the 2007 financial crisis. He shows how policies put in place after the crisis not only failed to address the core problems America faces, but created a growing disconnect between Wall Street and Main Street that has made things far worse. The book examines how our myopic political focus on Too Big to Fail institutions has threatened the most crucial pillars of the American Dream our small businesses, and the community banks and credit unions that support them and sabotaged their ability to support job growth and responsible financial services for families and local communities.

America needs an American solution to saving the homes and the people, and here is an American solution - a revolutionary idea of economics and political conversation. The means to providing for greater personal wealth to every American and securing a universal health care system without massive taxation or the progressive liberal (socialist) idea of massive government. Keeping American companies in America, re-creating an environment where hiring and employment is the focus, where opportunity and hope are more than slogans and change is not merely a word used. The means to this future very simply offered in a to the point format, meant for the people to understand and demand in one voice. America needs leadership and direction not traditional political posturing and partisan finger pointing. Freedom and liberty are not secured through government dictate, only through the people which government must facilitate their means and the pursuit of individual choice and success.

Norton Garfinkle paints a disquieting picture of America today: a nation increasingly divided between economic winners and losers, a nation in which the middle-class American Dream seems more and more elusive. Recent government policies reflect a commitment to a new supply-side winner-take-all Gospel of Wealth. Garfinkle warns that this supply-side economic vision favors the privileged few over the majority of American citizens striving to better their economic condition. Garfinkle employs historical insight and data-based economic analysis to demonstrate compellingly the sharp departure of the supply-side Gospel of Wealth from an American ideal that dates back to Abraham Lincoln—the vision of America as a society in which ordinary, hard-working individuals can get ahead and attain a middle-class living, and in which government plays an active role in expanding opportunities and ensuring against economic exploitation. Supply-side economic policies increase economic disparities and, Garfinkle insists, they fail on technical, factual, moral, and political grounds. He outlines a fresh economic vision, consonant with the great American tradition of ensuring strong economic growth, while preserving the middle-class American Dream.

Are you worried about your mortgage, or facing foreclosure? Starting over after losing your home? Buying a home or looking to refinance, and just don't know where to start? In Saving Your American Dream, industry veteran Jason Biro shows you step-by-step how to make it through these tough economic times—without sacrificing the American dream of homeownership. Find out: What happened during the housing and lending crash, and what it means for you How to prevent foreclosure (even if it's already in progress), and how to recover financially if you can't How lending works, what lending and mortgage terms really mean—and what you can do right now to increase your chances of qualifying for an affordable loan How you can protect yourself from predatory lending and real estate scams How to improve and manage your credit, your finances, and your future With this book, you could also get the help you need to save your American dream. How? Use the unique code that's included with this book to tell Jason your story. You could receive one-on-one counseling, assistance, and advice to help protect your home from foreclosure, to improve your credit and finances, or to plan for owning a home of your own once again.

Preserving the American dream: predatory lending practices and home foreclosures: hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Tenth Congress, first session ... Wednesday, February 7, 2007.