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Energy consumption --- Energy consumption. --- Residential housing.

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To fully understand New Jersey in the 2020s and beyond, it is crucial to understand its ever-changing population. This book examines the twenty-first century demographic trends that are reshaping the state now and will continue to do so in the future. But trend analysis requires a deep historical context. Present-day New Jersey is the result of a long demographic and economic journey that has taken place over centuries, constantly influenced by national and global forces. This book provides a detailed examination of this journey. The result is present-day New Jersey. The authors also highlight key trends that will continue to transform the state: domestic migration out of the state and immigration into it; increasing diversity; slower overall population growth; contracting fertility; the household revolution and changing living arrangements; generational disruptions; and suburbanization versus re-urbanization. All of these factors help place in context the result of the 2020 decennial U.S. Census. While the book focuses on New Jersey, the Garden State is a template of demographic, economic, social, and other forces characterizing the United States in the twenty-first century.

Population forecasting --- Cities and towns --- History --- Growth --- New Jersey --- Population --- New Jersey, population trends, history, urban studies, public policy, demographics, domestic migration, immigration, diversity, growth, fertility, household, living arrangements, suburbanization, re-urbanization, US census, Garden State, baby boom, residential housing, metropolitan residence, population density.

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Before the twentieth century, personal debt resided on the fringes of the American economy, the province of small-time criminals and struggling merchants. By the end of the century, however, the most profitable corporations and banks in the country lent money to millions of American debtors. How did this happen? The first book to follow the history of personal debt in modern America, Debtor Nation traces the evolution of debt over the course of the twentieth century, following its transformation from fringe to mainstream--thanks to federal policy, financial innovation, and retail competition. How did banks begin making personal loans to consumers during the Great Depression? Why did the government invent mortgage-backed securities? Why was all consumer credit, not just mortgages, tax deductible until 1986? Who invented the credit card? Examining the intersection of government and business in everyday life, Louis Hyman takes the reader behind the scenes of the institutions that made modern lending possible: the halls of Congress, the boardrooms of multinationals, and the back rooms of loan sharks. America's newfound indebtedness resulted not from a culture in decline, but from changes in the larger structure of American capitalism that were created, in part, by the choices of the powerful--choices that made lending money to facilitate consumption more profitable than lending to invest in expanded production. From the origins of car financing to the creation of subprime lending, Debtor Nation presents a nuanced history of consumer credit practices in the United States and shows how little loans became big business.

Consumer credit --- Debt --- Loans, Personal --- Crédit à la consommation --- Dettes --- Prêts personnels --- History --- Histoire --- United States --- Etats-Unis --- Economic conditions --- Economic policy --- Conditions économiques --- Politique économique --- 20th century --- Loans [Personal ] --- Consumentenkrediet --- Schulden --- Economie en handel --- Verenigde Staten --- Geschiedenis. --- 1900-1999. --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Loans --- Indebtedness --- Finance --- Consumer debt --- Credit --- American banks. --- American capitalism. --- American consumers. --- American economy. --- Federal Housing Administration. --- Federal Reserve. --- National City Bank. --- New Deal housing policy. --- Regulation W. --- Roosevelt administration. --- Title I loan program. --- borrowing. --- business loans. --- capitalism. --- commercial banks. --- commercial loans. --- consumer credit. --- consumer debt. --- consumer lending. --- consumption. --- credit access. --- credit activists. --- credit card investments. --- credit card. --- credit cards. --- credit institutions. --- credit rating. --- credit system. --- credit use. --- credit. --- debt. --- debtors. --- entrepreneurial innovation. --- federal policy. --- financial institutions. --- governmental policy. --- home equity loans. --- industrial economy. --- installment credit. --- investment capital. --- legal lending. --- legalized personal loans. --- lending. --- material prosperity. --- modern America. --- modern credit system. --- modern debt. --- money lending. --- mortgages. --- national mortgage markets. --- personal debt. --- personal lending. --- personal loan departments. --- personal loans. --- postwar United States. --- postwar prosperity. --- regulation. --- residential housing. --- revolving credit. --- social status. --- wealth inequality.