Busted: Life Inside the Great Mortgage Meltdown 破灭： 次贷危机的亲身体验 word 电子书 免费 下载地址

Starred Review. As I write in February 2009, I am four months past due on my mortgage and bracing for foreclosure proceedings to begin. Thus begins this cautionary and critical examination of the housing crisis, a story that turned personal when New York Times economics reporter Andrews got caught up in the housing bubble after falling in love with a woman and a house. Bringing in $120,000 a year in salary—most of which went to child support and alimony to his ex-wife, Andrews says he was able to get a don't ask, don't tell mortgage with the assumption that his new wife, Patty, would be able to get a job to keep them afloat, an expectation that didn't work out as planned. Because of his economics journalism background, Andrews says he should have avoided the mortgage catastrophe, and he castigates himself as well as fellow borrowers, the financial industry that took advantage of them and a government that didn't put the brakes on the crisis that many economists warned about but that Alan Greenspan, the Bush administration and others ignored. This deeply personal exposé is timely and sobering in its candor. (June)

Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.

INTRODUCTION

1 MONEY FOR NOTHING

2 PRUDENCE IS FOR LOSERS

3 MY LENDER DRINKS THE KOOLoAID

4 MAGICAL THINKING, REAL DEBTS

5 ALAN GREENSPAN

6 CONNING THE CON MEN

7 IN SEARCH OF THE SMART MONEY

8 OVER THE CLIFF

9 ENABLERS OF DISASTER

10 BULL IN THE SUBPRIME SHOP

11 PUBLIC FLAILING PRIVATE FATLING

12 REVERSE REDLINING

13 GOD HELP US ALL

ACKNOWLEDGMENTS

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书籍介绍

A veteran New York Times economics reporter, Ed Andrews was intimately aware of the dangers posed by easy mortgages from fast-buck lenders. Yet, at the promise of a second chance at love, he succumbed to the temptation of subprime lending and became part of the economic catastrophe he was covering. In surprisingly short order, he amassed a staggering amount of debt and reached the edge of bankruptcy. In Busted, Andrew bluntly recounts his misadventures in mortgages and goes one step further to describe the brokers, lenders, Wall Street players, and Washington policymakers who helped bring that money to his door. The result is a penetrating and often acerbic look at the binge and bust that nearly bankrupted the United States. Enabled by know-nothing complacency in Washington, Wall Street wizards used "collateralized debt obligations," "conduits," and other inscrutable financial "innovations" to put American home financing into hyperdrive. Millions of Americans abandoned the safety of thirty-year, fixed-rate mortgages and loaded up on debt. While regulators insisted that the markets knew best, Wall Street firms fragmented and repackaged unsound loans into securities that the rating agencies stamped with triple-A seals of approval. Andrews describes a remarkably democratic debacle that made fools out of people up and down the financial food chain. From a confessional meeting with Alan Greenspan to a trek through the McMansion bubble of the OC, he maps the arc of the Frankenstein loans that brought the American economy to the brink. With on-the-ground reporting from the frothiest quarters of the crisis, Andrews locates what is likely to be the high-water mark in America's long-term embrace of higher borrowing, higher risk-taking, and the fervent belief in the possibility of easy profits.

• 作者： 徐晋如 发布时间：2022-09-14 18:52:32

  因为香港三联书店要将王力先生这本《诗词声律启蒙》与我的《诗词入门》一起出繁体版，我才注意到这本书。在此之前，我一直跟学诗的青年说，要学诗一定得先把王力的《诗词格律》拉黑。我又说《诗词格律》这本书，连书名都是不通的，因为格和律是两件事，《诗词格律》只讲了律，一点也没讲到格。而且只讲了声音的戒条，就是声律。中华书局非常有情怀，组织了专家，把王力先生讲诗词的分体、声律的文字重新编排，遂成此《诗词声律启蒙》。这本书于诗词的声律讲得非常细，诗词分体的客观知识也简明扼要。如果你不想学习诗词的创作，只是要了解诗词的文体知识，这本书是极好的。

• 作者： 坐觀千江月 发布时间：2020-02-17 23:36:04

  客观的传记，难得没怎么混入个人好恶，关于古人的传记都能写到这个水准，也就非常不错了！（只是第二十章“多才多艺及其谲诈性格”似乎没必要独立一章）题外感叹一下：什么时候能有一本如此水平的苏轼传啊！消费他的人那么多，没有一个认真写一下的！能读得舒服的真的一本都没有！！！

• 作者： TeakZZZ 发布时间：2020-12-04 15:41:13

  希望大家一定一定不要看这本书，写得没有什么章法。浪费的时间远多于学到的东西。各种函数使用办法都写得比较混乱。我虽然坚持读完了，但是觉得有被自己蠢到，居然没发现是作者的问题（哭泣脸）。各种函数，我都是直接跳到https://support.google.com/docs/answer看说明就学会了。但我不清楚也解释不了作者为什么能把这些写得这么费劲，为了凑字数吗？？？我生自己的气！！！

• 作者： 楚门 发布时间：2022-03-19 09:47:06

  亲子阅读打卡第五季·第471天#《好忙的蜘蛛》

• 作者： 哈哈哈哈哈哈 发布时间：2023-02-11 22:25:50

  非常棒。10岁男孩非常喜欢！难得！手不释卷。

• 作者： 涩萝蔓 发布时间：2021-03-18 10:07:19

  和孩子一起阅读的。一个真实的故事，一个童话，一个奇迹。我们为什么不能豢养更大的想象力，改变一切应该改变的东西，而非要画地为牢，等到莫可奈何时呢？我们是没有勇气的一代，希望孩子们能跳出圈圈。

• 人性

  作者：山君过涧 发布时间：2017-02-03 07:39:24

  “我对钱不感兴趣，我想要知道的是真相”朱笑东面对出高价来买心钻的外国人和史婷说。这句话或许对于我们来说只能仰望，毕竟我们每一天都在为了生存而忙忙碌碌。为了生存的五斗米，我们的腰或许早就折断了。也许有那么一天，钱对于我们每个人来说都只是存折那几张小小纸片上的几个数字的时候，我们才会像朱笑东那样的洒脱。毕竟主角可是有一手好的雕刻手艺，随随便便雕一个玉件分分钟入账上千万。

          有钱有闲的人总是富有冒险开拓探究真相的精神，看完摸金传人的一和二，我开始明白为什么不用为生计发愁的人那么喜欢通过各种冒险来寻求刺激了，因为他们需要用一些外力来刺激自己的神经。好像钢铁侠，如果每天为了生计而忙碌，估计他的战衣现在也就是弄了一根小指头吧。

         摸金传人二和摸金传人一都是一样的描写朱笑东的冒险经历。朱笑东的冒险目的也很简单，为了探索真相而已，钱对于朱笑东来说只是个数字罢了。不过在书中对于一些细节的方面处理的不算是很完善。摸金传人二的女主角应该就是杨薇，在书的前面部分，杨薇参与了朱笑东的整个楼兰古城探险，但是后面探索长白山的时候为什么没有参与就不得而知，可是已经和杨薇订婚甚至已经领了结婚证的朱笑东还和佟格格两人尝试恋爱的滋味，这似乎有点说不过去了。当然这本书描写的不是儿女情长，女主的戏份不是太多可以理解。书中有的地方情节也显得有点突兀，比如书中描写的长白上雪崩部分，朱笑东和佟格格经历雪崩后还能找到队伍所在的被雪崩掩埋的山谷，根据向导的说法是要在山谷中等到雪融后再能出去的！

         整体来讲摸金传人系列的书虽然在细节上和定义上没有做到尽善尽美，但是把人的劣根性写的很突出。上帝说人类的七宗罪在这本书里可以说是全都全了，傲慢、妒忌、暴怒、懒惰、贪婪、贪食、色欲，主角朱笑东每次的历险，都是见证着七宗罪的过程。当你在面对十亿美金和你爱人的生命你会选在什么？主角选择的是后者。如果换了你，你选择什么，我知道很多人都会说选择爱人的生命！但事实呢？就和那个被记者询问是否捐献的大爷的答案是一样的“大爷，你有五百万捐不捐”“捐”“你有两头牛，捐不捐”“不捐”“有五百万都捐了，两头牛油为什么不捐”“因为我真的有两头牛”！

        人虽然有劣根性，但是又不乏积极向上的精神，好像那打开的潘多拉魔盒，希望总是在最后才会出现。人类美好的情感总是出现在最后关头，书中人类的美好的一面在经过了重重的考研以后才会熠熠生辉。就像朱笑东对他的二叔一家的以德报怨。就像是面对十亿美金和爱人生命的朱笑东，如果不是朱笑东执意将珠子毁掉，估计杨薇永远也不会好。

       好与坏纠葛不清，爱与恨交织纠结，这就是人性，永远是那么复杂！

• 我要学英语

  作者：岚涩 发布时间：2010-05-18 21:39:23

  我是学俄语的，回国以后发现到哪里都要问你，英语过6级了吗，我是学俄语的没学过英语，这帮面试的脑子被门挤了，弄得我现在还用从头学英语，这本书看看还行，记单词倒是蛮快的。