Summer vacation is a time for reading, and my friends come to me to borrow books because I have so many more than most people. In their innocence, they have no idea what I go through in lending a book. They don’t understand that I think of myself as offering them love, truth, beauty, wisdom and consolation against death. Nor do they suspect that I feel about lending a book the way most men feel about their daughters living with a man out of wedlock.
—  Anatole Broyard

How Our Soldiers are Being Massively Ripped Off

Predatory lenders target American soldiers and veterans, who are particularly vulnerable because they often have low financial knowledge (many join the military straight out of high school and receive little to no financial literacy instruction), come from economically disadvantaged backgrounds, and are generally low-income. Multiple deployments can make it difficult for them to keep up on payments, and they are ripe targets for predatory lending because of their consistent, stable paychecks. Predatory lenders target them by sending unsolicited, misleading loan materials that are designed to look like they come from the government and by encouraging them to take out loans for more than the worth of their homes (particularly disabled veterans, who intend to use the extra funds to upgrade their home so that it will be wheel-chair accessible).

Can exposing past examples of discrimination prevent those in the future? This week’s Design and Violence blog post looks at a map of California neighborhoods that have been labeled “high-risk” by lenders.

[Richard Marciano, University of Maryland, David Goldberg, University of California Humanities Research Institute, Chien-Yi Hou, Rosemarie McKeon. T-RACES (Testbed for the Redlining Archives of California’s Exclusionary Spaces). 2010. AJAX, Apache 3.0, HTML 4.0, JavaScript 1.7, MySQL 5.0, and XML. Image courtesy the designers]

Amazon Kindle Lending Library tops 100,000 titles

Amazon.com has expanded to more than 100,000 titles the library of e-books available for borrowing at no extra charge by Amazon Kindle owners who subscribe to the company’s Amazon Prime subscription service.

The new total, announced in a news release this morning, represents a significant jump from the 5,000 titles available through the service when it launched in September. That meager selection has been one of the biggest challenges facing the service, reflecting the lack of participation by the biggest U.S. publishing houses.

Amazon said today that the catalog includes more than 100 New York Times bestsellers — the same number that was cited at launch.

» via GeekWire

It is no wonder that bank capital is regulated. When borrowing and lending is profitable, it is tempting for banks to scale up their operations and to borrow and lend too much in relation to their capital, in effect reducing the effectiveness of the potential capital cushion. - Evan Davis

People who live in communities without a cake pan collection can ask about an interlibrary loan, Rippel said, adding that people can check the Kansas Library Catalog online to find cake pans in libraries that have catalogued their collections.

“Kansas libraries let people check out cake pans”

This is so fantastic. Libraries provide consumable ideas and aids for consumption. Sometimes our needs can come in the way of being able to visit the library purely for the pleasure of books. With it being the only safe, free, public space for intellectual progression, the library is becoming more and more “practical” by providing classes, computers, and now kitchen items for lending. What do you wish your library had? And conversely, are there any potential collection materials that could jeopardize a library’s function? 

Fewer shelves could open valuable space for other library programs, like computer centers, teen tutoring, and adult education classes. For customers, downloading e-books is just convenient. Gussie Young has been checking out books at the Queens Library since moving to New York in 1963. Now with e-readers, she doesn’t have to come here to check out books.