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  <id>998708</id>
  <title><![CDATA[Up to Our Eyeballs: The Hidden Truths and Consequences of Debt in Today's America and What We Can Do About It]]></title>
  <isbn><![CDATA[1595582118]]></isbn>
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  <description><![CDATA[<strong>A groundbreaking book that debunks the notion that Americans' personal indebtedness results from profligacy and offers startling analysis and realistic solutions.</strong><br/><strong><em>&quot;For the first time ever recorded, Americans owe more money than they make. Household debt levels have now surpassed household income by more than 8 percent.&quot;&#151;Newsweek</em>, August 8, 2006<br/><br/>At a time when Americans owe close to $800 billion in credit card debt, the myth is that credit cards are primarily financing America's luxury lifestyles&#151;helping white suburban families pay the costs attached to extravagant homes, luxury cars, and golf club memberships&#151;or helping those who aspire to these lifestyles. <em>Up to Our Eyeballs</em> reveals the disturbing reality that credit cards are in fact the new &quot;safety net,&quot; being used by desperate middle- and low-income families to manage essential expenses.<br/><br/>In the increasingly volatile American economy, where a decline in work-related benefits like health insurance and pensions has accompanied a rising cost of living and increased job instability, consumer debt has become a fact of life for many American families. <em>Up to Our Eyeballs</em> is a troubling examination of the causes and consequences of this explosive rise in consumer debt.<br/><br/>Including a critical look at how the financial industry became the aggressive, hyper-profitable industry it is today, this book also incorporates solutions that will be of real relief to struggling households.</strong>]]></description>
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  <original_title>Up to Our Eyeballs: The Hidden Truths and Consequences of Debt in Today's America and What We Can Do About It</original_title>
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        <name><![CDATA[Myra Batchelder]]></name>
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  <title>
    <![CDATA[Up to Our Eyeballs: The Hidden Truths and Consequences of Debt in Today's America and What We Can Do About It]]>
  </title>
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  <average_rating>3.50</average_rating>
  <ratings_count>10</ratings_count>
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    <![CDATA[<strong>A groundbreaking book that debunks the notion that Americans' personal indebtedness results from profligacy and offers startling analysis and realistic solutions.</strong><br/><strong><em>&quot;For the first time ever recorded, Americans owe more money than they make. Household debt levels have now surpassed household income by more than 8 percent.&quot;&#151;Newsweek</em>, August 8, 2006<br/><br/>At a time when Americans owe close to $800 billion in credit card debt, the myth is that credit cards are primarily financing America's luxury lifestyles&#151;helping white suburban families pay the costs attached to extravagant homes, luxury cars, and golf club memberships&#151;or helping those who aspire to these lifestyles. <em>Up to Our Eyeballs</em> reveals the disturbing reality that credit cards are in fact the new &quot;safety net,&quot; being used by desperate middle- and low-income families to manage essential expenses.<br/><br/>In the increasingly volatile American economy, where a decline in work-related benefits like health insurance and pensions has accompanied a rising cost of living and increased job instability, consumer debt has become a fact of life for many American families. <em>Up to Our Eyeballs</em> is a troubling examination of the causes and consequences of this explosive rise in consumer debt.<br/><br/>Including a critical look at how the financial industry became the aggressive, hyper-profitable industry it is today, this book also incorporates solutions that will be of real relief to struggling households.</strong>]]>
  </description>
  <published>2008</published>
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    <rating>2</rating>
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  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Mon May 18 00:00:00 -0700 2009</read_at>
  <date_added>Sun May 17 23:22:46 -0700 2009</date_added>
  <date_updated>Mon May 18 00:12:56 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Batchelder et al. set out to discover and discuss why Americans have become so in-debted to their lenders. They find the causes for severe debt and bankruptcy in higher costs of living coupled with random bad luck: we get catastrophically sick, we get fired, we get divorced. When faced with potentia...<a href="http://www.goodreads.com/review/show/56448974">more...</a>]]></body>
    
  <url><![CDATA[http://www.goodreads.com/review/show/56448974]]></url>
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      <review>
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    <name><![CDATA[Jill]]></name>
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  <title>
    <![CDATA[Up to Our Eyeballs: The Hidden Truths and Consequences of Debt in Today's America and What We Can Do About It]]>
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  <average_rating>3.50</average_rating>
  <ratings_count>10</ratings_count>
  <description>
    <![CDATA[<strong>A groundbreaking book that debunks the notion that Americans' personal indebtedness results from profligacy and offers startling analysis and realistic solutions.</strong><br/><strong><em>&quot;For the first time ever recorded, Americans owe more money than they make. Household debt levels have now surpassed household income by more than 8 percent.&quot;&#151;Newsweek</em>, August 8, 2006<br/><br/>At a time when Americans owe close to $800 billion in credit card debt, the myth is that credit cards are primarily financing America's luxury lifestyles&#151;helping white suburban families pay the costs attached to extravagant homes, luxury cars, and golf club memberships&#151;or helping those who aspire to these lifestyles. <em>Up to Our Eyeballs</em> reveals the disturbing reality that credit cards are in fact the new &quot;safety net,&quot; being used by desperate middle- and low-income families to manage essential expenses.<br/><br/>In the increasingly volatile American economy, where a decline in work-related benefits like health insurance and pensions has accompanied a rising cost of living and increased job instability, consumer debt has become a fact of life for many American families. <em>Up to Our Eyeballs</em> is a troubling examination of the causes and consequences of this explosive rise in consumer debt.<br/><br/>Including a critical look at how the financial industry became the aggressive, hyper-profitable industry it is today, this book also incorporates solutions that will be of real relief to struggling households.</strong>]]>
  </description>
  <published>2008</published>
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    <rating>2</rating>
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  <recommended_for><![CDATA[]]></recommended_for>
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  <read_at>Mon Dec 15 00:00:00 -0800 2008</read_at>
  <date_added>Mon Dec 15 16:10:37 -0800 2008</date_added>
  <date_updated>Mon Dec 15 16:15:59 -0800 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[I like reading about money, and I like reading about social justice, and I really like reading about money and social justice.  But, this book was really pretty boring.  The stories of those dealing with big money problems fell flat, they just seemed more like talking points than people.  And what t...<a href="http://www.goodreads.com/review/show/40175945">more...</a>]]></body>
    
  <url><![CDATA[http://www.goodreads.com/review/show/40175945]]></url>
  <link><![CDATA[http://www.goodreads.com/review/show/40175945]]></link>
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      <review>
  <id>44396121</id>
    <user>
    <id>1275835</id>
    <name><![CDATA[Jon]]></name>
    <location><![CDATA[The United States]]></location>
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  <title>
    <![CDATA[Up to Our Eyeballs: The Hidden Truths and Consequences of Debt in Today's America and What We Can Do About It]]>
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  <link>http://www.goodreads.com/book/show/998708.Up_to_Our_Eyeballs_The_Hidden_Truths_and_Consequences_of_Debt_in_Today_s_America_and_What_We_Can_Do_About_It</link>
  <average_rating>3.50</average_rating>
  <ratings_count>10</ratings_count>
  <description>
    <![CDATA[<strong>A groundbreaking book that debunks the notion that Americans' personal indebtedness results from profligacy and offers startling analysis and realistic solutions.</strong><br/><strong><em>&quot;For the first time ever recorded, Americans owe more money than they make. Household debt levels have now surpassed household income by more than 8 percent.&quot;&#151;Newsweek</em>, August 8, 2006<br/><br/>At a time when Americans owe close to $800 billion in credit card debt, the myth is that credit cards are primarily financing America's luxury lifestyles&#151;helping white suburban families pay the costs attached to extravagant homes, luxury cars, and golf club memberships&#151;or helping those who aspire to these lifestyles. <em>Up to Our Eyeballs</em> reveals the disturbing reality that credit cards are in fact the new &quot;safety net,&quot; being used by desperate middle- and low-income families to manage essential expenses.<br/><br/>In the increasingly volatile American economy, where a decline in work-related benefits like health insurance and pensions has accompanied a rising cost of living and increased job instability, consumer debt has become a fact of life for many American families. <em>Up to Our Eyeballs</em> is a troubling examination of the causes and consequences of this explosive rise in consumer debt.<br/><br/>Including a critical look at how the financial industry became the aggressive, hyper-profitable industry it is today, this book also incorporates solutions that will be of real relief to struggling households.</strong>]]>
  </description>
  <published>2008</published>
</book>

    <rating>4</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Wed Jan 28 00:00:00 -0800 2009</read_at>
  <date_added>Mon Jan 26 09:15:16 -0800 2009</date_added>
  <date_updated>Thu Jan 29 10:15:02 -0800 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[This is a must read for anyone who wants to learn how credit has taken over our lives.  Covers all forms of credit and the influences where credit comes.<br/><br/>Couple take aways from this are 1) there is a huge credit bubble created during the last 10 to 20 years that has gotten so big that it ...<a href="http://www.goodreads.com/review/show/44396121">more...</a>]]></body>
    
  <url><![CDATA[http://www.goodreads.com/review/show/44396121]]></url>
  <link><![CDATA[http://www.goodreads.com/review/show/44396121]]></link>
</review>
      <review>
  <id>32563450</id>
    <user>
    <id>701846</id>
    <name><![CDATA[Mr. MacConnell]]></name>
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  <title>
    <![CDATA[Up to Our Eyeballs: The Hidden Truths and Consequences of Debt in Today's America and What We Can Do About It]]>
  </title>
  <image_url>http://www.goodreads.com/images/nocover-111x148.jpg</image_url>
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  <link>http://www.goodreads.com/book/show/998708.Up_to_Our_Eyeballs_The_Hidden_Truths_and_Consequences_of_Debt_in_Today_s_America_and_What_We_Can_Do_About_It</link>
  <average_rating>3.50</average_rating>
  <ratings_count>10</ratings_count>
  <description>
    <![CDATA[<strong>A groundbreaking book that debunks the notion that Americans' personal indebtedness results from profligacy and offers startling analysis and realistic solutions.</strong><br/><strong><em>&quot;For the first time ever recorded, Americans owe more money than they make. Household debt levels have now surpassed household income by more than 8 percent.&quot;&#151;Newsweek</em>, August 8, 2006<br/><br/>At a time when Americans owe close to $800 billion in credit card debt, the myth is that credit cards are primarily financing America's luxury lifestyles&#151;helping white suburban families pay the costs attached to extravagant homes, luxury cars, and golf club memberships&#151;or helping those who aspire to these lifestyles. <em>Up to Our Eyeballs</em> reveals the disturbing reality that credit cards are in fact the new &quot;safety net,&quot; being used by desperate middle- and low-income families to manage essential expenses.<br/><br/>In the increasingly volatile American economy, where a decline in work-related benefits like health insurance and pensions has accompanied a rising cost of living and increased job instability, consumer debt has become a fact of life for many American families. <em>Up to Our Eyeballs</em> is a troubling examination of the causes and consequences of this explosive rise in consumer debt.<br/><br/>Including a critical look at how the financial industry became the aggressive, hyper-profitable industry it is today, this book also incorporates solutions that will be of real relief to struggling households.</strong>]]>
  </description>
  <published>2008</published>
</book>

    <rating>3</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[Those who hate shady lending, have concern for America's financial future]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Sun Jul 27 00:00:00 -0700 2008</read_at>
  <date_added>Wed Sep 10 17:52:54 -0700 2008</date_added>
  <date_updated>Wed Sep 10 17:52:54 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[A fairly quick read from several writers involved with Demos, a non-partisan public policy research organization.  <br/><br/>The book provides a succinct but enlightening account of the reasons Americans across the board, especially the poor and young, are drowning in debt - a significant change from just a g...<a href="http://www.goodreads.com/review/show/32563450">more...</a>]]></body>
    
  <url><![CDATA[http://www.goodreads.com/review/show/32563450]]></url>
  <link><![CDATA[http://www.goodreads.com/review/show/32563450]]></link>
</review>
      <review>
  <id>28992601</id>
    <user>
    <id>642275</id>
    <name><![CDATA[Keith]]></name>
    <location><![CDATA[Lafayette Hill, PA]]></location>
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  <title>
    <![CDATA[Up to Our Eyeballs: The Hidden Truths and Consequences of Debt in Today's America and What We Can Do About It]]>
  </title>
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  <average_rating>3.50</average_rating>
  <ratings_count>10</ratings_count>
  <description>
    <![CDATA[<strong>A groundbreaking book that debunks the notion that Americans' personal indebtedness results from profligacy and offers startling analysis and realistic solutions.</strong><br/><strong><em>&quot;For the first time ever recorded, Americans owe more money than they make. Household debt levels have now surpassed household income by more than 8 percent.&quot;&#151;Newsweek</em>, August 8, 2006<br/><br/>At a time when Americans owe close to $800 billion in credit card debt, the myth is that credit cards are primarily financing America's luxury lifestyles&#151;helping white suburban families pay the costs attached to extravagant homes, luxury cars, and golf club memberships&#151;or helping those who aspire to these lifestyles. <em>Up to Our Eyeballs</em> reveals the disturbing reality that credit cards are in fact the new &quot;safety net,&quot; being used by desperate middle- and low-income families to manage essential expenses.<br/><br/>In the increasingly volatile American economy, where a decline in work-related benefits like health insurance and pensions has accompanied a rising cost of living and increased job instability, consumer debt has become a fact of life for many American families. <em>Up to Our Eyeballs</em> is a troubling examination of the causes and consequences of this explosive rise in consumer debt.<br/><br/>Including a critical look at how the financial industry became the aggressive, hyper-profitable industry it is today, this book also incorporates solutions that will be of real relief to struggling households.</strong>]]>
  </description>
  <published>2008</published>
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    <rating>3</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[Those who hate shady lending, have concern for America's financial future]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Sun Jul 27 00:00:00 -0700 2008</read_at>
  <date_added>Fri Aug 01 12:22:41 -0700 2008</date_added>
  <date_updated>Fri Aug 01 17:46:05 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[A fairly quick read from several writers involved with Demos, a non-partisan public policy research organization.  <br/><br/>The book provides a succinct but enlightening account of the reasons Americans across the board, especially the poor and young, are drowning in debt - a significant change f...<a href="http://www.goodreads.com/review/show/28992601">more...</a>]]></body>
    
  <url><![CDATA[http://www.goodreads.com/review/show/28992601]]></url>
  <link><![CDATA[http://www.goodreads.com/review/show/28992601]]></link>
</review>
      <review>
  <id>26762434</id>
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    <name><![CDATA[Donna]]></name>
    <location><![CDATA[Dundalk, MD]]></location>
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    <body><![CDATA[I love books about current events and issues.  I found this at the library and really enjoyed it.  If you saw the documentary &quot;Maxed Out&quot; and enjoyed it then you will also love this book.  If you haven't seen &quot;Maxed Out&quot; rent it tonight!  I wish the authors had included more prac...<a href="http://www.goodreads.com/review/show/26762434">more...</a>]]></body>
    
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  <link>http://www.goodreads.com/book/show/998708.Up_to_Our_Eyeballs_The_Hidden_Truths_and_Consequences_of_Debt_in_Today_s_America_and_What_We_Can_Do_About_It</link>
  <average_rating>3.50</average_rating>
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    <![CDATA[<strong>A groundbreaking book that debunks the notion that Americans' personal indebtedness results from profligacy and offers startling analysis and realistic solutions.</strong><br/><strong><em>&quot;For the first time ever recorded, Americans owe more money than they make. Household debt levels have now surpassed household income by more than 8 percent.&quot;&#151;Newsweek</em>, August 8, 2006<br/><br/>At a time when Americans owe close to $800 billion in credit card debt, the myth is that credit cards are primarily financing America's luxury lifestyles&#151;helping white suburban families pay the costs attached to extravagant homes, luxury cars, and golf club memberships&#151;or helping those who aspire to these lifestyles. <em>Up to Our Eyeballs</em> reveals the disturbing reality that credit cards are in fact the new &quot;safety net,&quot; being used by desperate middle- and low-income families to manage essential expenses.<br/><br/>In the increasingly volatile American economy, where a decline in work-related benefits like health insurance and pensions has accompanied a rising cost of living and increased job instability, consumer debt has become a fact of life for many American families. <em>Up to Our Eyeballs</em> is a troubling examination of the causes and consequences of this explosive rise in consumer debt.<br/><br/>Including a critical look at how the financial industry became the aggressive, hyper-profitable industry it is today, this book also incorporates solutions that will be of real relief to struggling households.</strong>]]>
  </description>
  <published>2008</published>
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  <date_added>Sat Sep 29 08:27:45 -0700 2007</date_added>
  <date_updated>Sat Sep 29 08:27:45 -0700 2007</date_updated>
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