While much recent attention has been focused on the subprime lending and foreclosure crisis, little has been said about its radically-disparate impact. Drawing upon history as well as insight into the current crisis, this book shows that this crisis is not an anomaly, especially for people of color; nor is it over. People of color have been excluded from wealth-building opportunities via homeownership continuously throughout United States history, from the outright denial of credit and residential racial discrimination, to federally-sponsored urban renewal programs. The subprime lending and foreclosure crisis is predicted to strip a quarter of a trillion dollars in wealth from black and Latino homeowners. It has reversed home ownership gains for people of color and has decimated neighborhoods across the United States while impacting local, regional, national, and international economies. The consequences are devastating. This collection of essays provides a framework for creating equitable policy and ultimately building more stable communities for all Americans.

A novel. The second book in the series about the planet Rades. A new deadly illness is sweeping through children near the old city of Natol three decades after a nuclear explosion destroyed it. Chand believes his alien friend, Vitora, may have a cure onboard the remains of her spacecraft. If only she can find it. Her ship broke up on entry into Rades atmosphere. Parts of the Atardil landed within the vast Dithmark Swamp. The urgent mission to find the drug places Vitora, Delph and Ghyle in jeopardy. Humans living within the Dithmark have established a strange religion centering around their new altar. An altar disturbingly familiar to Vitora. Will she have the courage to face her greatest fear in order to save the children who so desperately need her help?