Автор: Michael S. Barr Название: No Slack: The Financial Lives of Low-Income Americans ISBN: 0815733682 ISBN-13(EAN): 9780815733683 Издательство: Mare Nostrum (Eurospan) Рейтинг: Цена: 4851.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание:
The financial crisis exposed the potentially unsavory results of the interaction between low- and moderate income households and alternative and mainstream financial institutions. Many households were overleveraged or paid high costs for financial services, while others lacked access to useful financial products that can cushion against economic instability. The financial services system is not well designed to serve low- and moderate-income households, leaving them without financial slack: they did not have adequate breathing room for making the financial adjustments that would permit them to better meet their own needs. No Slack shows us why these families were the least prepared to handle the shock of the deep recession.
This pivotal analysis focuses on the Detroit metropolitan area's low- and moderate-income neighborhoods, which are similar to those of other Rust Belt communities. The Detroit Area Household Financial Services study--conducted at the height of the subprime lending boom--examines these households' decisionmaking processes, behaviors, and attitudes toward a full range of financial transactions.
No Slack reveals widespread problems in home mortgage lending, the common threads among people who file for bankruptcy, the reasons so many households are unbanked, and how behaviorally informed financial regulation can make the market work better. Drawing on his deep policy experience, Michael Barr advocates helping families seek financial stability in three primary ways: enhancing individuals' financial capability, using technology to promote access to financial products and services that meet their needs, and establishing strong protections for consumers.
Автор: Johnson Название: How to Save Thousands of Dollars on Your Home Mortgage 2e ISBN: 0471223271 ISBN-13(EAN): 9780471223276 Издательство: Wiley Рейтинг: Цена: 4117.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Few homeowners are aware of all the types of mortgages available to them. This very reader-friendly resource enables them to explore the many alternatives that are out there--and save a sizable amount of money in the process.
Sean Cooper made news headlines around the world when he paid off his mortgage at 30 on a house he bought just three years prior. In Burn Your Mortgage, Cooper's extreme achievement is made accessible as the acclaimed personal finance expert shares the secret to his success: simple yet effective lifestyle changes that anyone--from new buyers to experienced homeowners--can make to pay down their mortgage sooner.
Burn Your Mortgage combines inspiring anecdotes with realistic and jargon-free financial tips and resources for achieving financial freedom no matter your financial situation. This easy-to-follow guide will help you pay off your mortgage at your own pace and show you how to live well while doing it. Tools include:
Simple ways to pay down your mortgage sooner;
Your very own mortgage-free action plan;
Sample budgets and savings plans;
Tools for tracking income and expenses;
Home-buying blueprints;
Worksheets for financial empowerment;
Up-to-date information on bank accounts, mortgage contracts, investing, and loans--and how to choose the best options for you;
Tips for overcoming bad money habits.
Inspiring, insightful and fun, Burn Your Mortgage will transform the way you think about money and debt on your path to independent home ownership
Sean Cooper is an in-demand speaker, money coach, and personal finance journalist. His articles have been featured in publications such as the Toronto Star, Globe and Mail, Financial Post, and MoneySense.
How to pay off your mortgage in 6 to 8 years: Wealth habits of the rich that will save you thousands
By Joe Correa
Want to pay off your mortgage and be out of debt?
This book has the solution. It's full of valuable ideas and examples that others have used to eliminate their mortgage debt in just a few years. You will learn how to minimize expenses and plan your pay off strategy in an organized and practical manner.
What do banks offer as a solution?
Most banks only give you one option which is basically to send your payment every month for the next 30 years. Yes, you will have paid off your mortgage by then but there's a better way. A faster way and easier way that requires simply planning for what needs to be done.
Do you have a 30 year mortgage?
Do you have credit card debt?
Do you make insurance and property tax payments?
If you answered "yes" to any of these questions, you can seriously lower your mortgage debt and the time it takes you to pay it off. If you answered "no", there's still other options that are explained in detail.
Most books give you general ideas as to what you can do to eliminate your mortgage debt but this book shows you how it's done with real examples and solutions.
You will see how payments amortize, how much interest goes towards payments, and how much interest you will pay over the life of the loan when presented with different solutions.
Why is paying off your mortgage important?
Having a 30 year mortgage can be a blessing and a headache at the same time. Most people finance their first home while in their 30's which means they will finish paying off their mortgage in their 60's if not later. When you finally pay it off, you will have eliminated one of your largest monthly payments and you can now start saving a lot more than before. Guess what? You are around retirement age or coming close to it so what will happen to your income? For some, it will remain the same. For others, it will decrease slightly. And for many, it will disappear and you will have to live off your retirement savings for however long they last. Having less expenses sooner than later will equate to more savings for years to come and having less payments to make will reduce the financial burden when you have retired.
Taking proactive steps towards paying off your mortgage sooner will change your life. It will allow you to free up time to do what you really want to do and work less.
Pay off your mortgage and start living the life you have always wanted Go on vacation, spend time with loved ones, or start a new business.
Описание: Why Just Rent When You Can Rent-to-Own? Are You Missing Out On The Benefits Of Being A Home Owner Because You "Don't Quite Qualify" For A Mortgage With The Big Banks? This is a practical guide that shows you how to get into a nice home YEARS faster than you would trying to do it all on your own. What does it take to get into the home of your dreams even if you've been turned down by the banks and mortgage companies? In "The Rent-to-Own Solution to Home Ownership", you'll discover... -The 9 BIGGEST Reasons to Own Your Own Home Instead of Renting. -So You Don't Qualify For a Mortgage - What Are Your Options? -The Two Main Types of Rent-To-Own (and the pro's and con's of each). -8 Simple Steps to Rent-to-Own Success. -Common Rent-to-Own Mistakes, Challenges and Booby-Traps. -And much more After you read the book, when you are ready to get started on your own path to rent-to-own home ownership, go ahead and visit www.BCRent2Buy.com. The time to get into your own home is now Dave Dubeau is a real estate investor, author and trainer based in Kamloops, BC. In the real estate field, he is best known for being an expert in creative deals, especially rent-to-own. Over the years he has helped numerous people get into their dream homes through rent-to-own, years faster than they could have on their own.
Описание: Felix Martin awakes to what he has been waiting for all his life: for civilization to finally meet its destiny. A massive explosion in the west by what, no one knows. Multiple presumed nuclear attacks in almost every major city. An airborne zootoxic infection that has manipulated the very genetic physiology and physical characteristics of the infected. And an entire country experiencing true freedom for once in its existence. Felix navigates the ash-covered and quiet remnants of the United States, coming across friends and survivors along the way and derailing his futile attempts to find out for himself his fiancee`s disposition. To find out what happened to her. However, the universe has other plans. Gangs and false flags, the true evil of what a human being can do to another, are all distractions as he fights onward. Catching the attention of those responsible for the infection further guides him down a dark path. In his travels, he finds that what is coming is far greater than reality, ending up in Fort Monroe, Virginia, where all that remains is gathering just outside that old fort`s walls. He slowly lets himself ride that spiral as far as it goes, down into that maddening dark place only the fallen know. With secrets all about him and a new fascist remnant of the old government on the rise, he merely smears his face with a jagged grin all the while being chased by the queen of the feral and something far older than even the light. The Black Dog watches as Felix slowly loses himself when he finds out he is no longer just a man. He leaves his humanity behind because after all, monsters deserve to kill monsters. Regardless the trial or adversary, it wasn`t his world that ended.
Описание: Shows you how to finance any property - with or without bank approval. This practical guide explains how changing mortgage market really works. It shows you how to benefit with seller financing, assumables, subject-to, wraparounds, lease options, foreclosures, and other money-saving possibilities.
Автор: Herold Thomas Название: Mortgage Terms - Financial Education Is Your Best Investment ISBN: 1087870054 ISBN-13(EAN): 9781087870052 Издательство: Неизвестно Рейтинг: Цена: 2476.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание:
Essential Mortgage Terms You Should Know One of the most important decisions that you can make is buying a home and taking out a mortgage to pay for the house. The decisions you make on your mortgage will have financial ramifications for years to come.
If you find yourself overwhelmed and confused by all the mortgage terms out there, don't worry because you're not alone. Getting a mortgage can be a complicated process, made worse by all the unfamiliar terminology your mortgage lender might use.
From Lender to Loan to Closing Your Home With the terminology used in discussing mortgages such as appraisals, equity, escrow, points and settlement costs, most common people can become easily confused. Mortgage professionals can speak in a language all of their own and the lingo used is unique.
This practical glossary with alphabetical order compiles a list of over 125 most important mortgage terms you're likely to encounter. Every mortgage term is explained in detail, with a clear and concise article style description and practical examples.
It will help you understand the most common mortgage terms that you might encounter, and what role they play in the mortgage process. Use this glossary of mortgage terms to better understand the overall mortgage process as well as any specific mortgage terms that may be unfamiliar to you.
Make Your Mortgage Less of a Mystery Taking time to understand the vocabulary can help you with your mortgage planning, eliminating confusion, and get better prepared for a swift and smooth transaction.
Get Smart with the Financial IQ Series Please also have a look at other titles in this series. The Herold Financial IQ series covers all major areas and aspects of the financial world.
Starting with Personal Finance, Real Estate and Banking term. Covering Corporate Finance, Investment as well as Economics. It also includes Retirement, Trading, and Accounting terms. In addition, you'll find Debt, Bankruptcy, Mortgage, Small Business, and Wall Street terminology explained. Not to forget Laws & Regulations as well as important acronyms and abbreviations.
Автор: Tyson Название: Mortgage Management For Dummies ISBN: 1119387795 ISBN-13(EAN): 9781119387794 Издательство: Wiley Рейтинг: Цена: 2533.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Автор: Chris Lauer Название: Underwater ISBN: 1430244704 ISBN-13(EAN): 9781430244707 Издательство: Springer Рейтинг: Цена: 3213.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Underwater: Options When Your Mortgage Is Upside Down outlines the options-when foreclosure is a good idea, how to best protect the equity you`ve built up, the financial repercussions of going into foreclosure, strategies for renegotiating a loan, taking advantage of government programs designed to keep you happily housed, and more.
Автор: Ambrose Название: Household Credit Usage ISBN: 1403983925 ISBN-13(EAN): 9781403983923 Издательство: Springer Рейтинг: Цена: 15372.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: In response to growing interest in household finance, this collection of essays with a foreword by John Y. Campbell, studies household and consumer use of credit instruments. It shows how individual consumers and households utilize various credit alternatives in managing their consumption and savings and suggests areas for future research.
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