Download or read book The Bush Betrayal written by James Bovard and published by St. Martin's Press. This book was released on 2015-03-24 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: His hard-hitting critiques of Democratic and Republican administrations in The Wall Street Journal, the New York Times, Newsweek, and other national publications have made him a "bipartisan scourge." Now, James Bovard launches a blistering attack on the Bush administration that will add new fuel to the fires of Bush opponents while giving presidential supporters much to think about. In a series of cogently argued allegations, Bovard shows how the campaign promises of 2000 have betrayed not only the electorate, but the Constitution itself: from the erosion of civil liberties, massive debt, and the arrogance of federal agencies, to economic policies that favor the wealthy, and the deceptive maneuvers that led to war in Iraq and the alienation of former allies. For every American, The Bush Betrayal will be required reading in this election year.

Download or read book Decoding the New Mortgage Market written by David Reed and published by AMACOM. This book was released on 2009-12-09 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: The housing market is in turmoil, but if there’s a silver lining, it’s the fact that purchase prices are at historic lows. Sure, there are still plenty of predatory lenders waiting to exploit the naïve potential buyer, but those who do their homework will be rewarded with a fair price and manageable mortgage terms. Decoding the New Mortgage Market is a map to finding the best and most realistic mortgage deals while navigating past potential obstacles and traps. Filled with money-saving advice, this practical guide will help prospective buyers understand: • How new lending and underwriting rules affect today’s homebuyer • Different loan types and lending institutions • Credit issues and other qualifying factors • Creative down-payment solutions • How to reduce closing costs and other fees Because lenders and buyers alike have gotten “burned” in the mortgage crisis, finding and qualifying for a manageable loan may now be more difficult. Readers will find that Decoding the New Mortgage Market makes the search both easier and more fruitful, and that their dreams of home ownership are still within their reach.

Download or read book Who Really Drove the Economy Into the Ditch written by Joseph Fried and published by Algora Publishing. This book was released on 2012 with total page 342 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is an opinionated book with an attitude. However, the author, a CPA and MBA, presents economic information in a conversational tone and meticulously backs up his views with references, charts, and quotes. Joseph N. Fried has published several books with Algora, explaining financial controversies and challenges for the general reader. Here, he highlights eye-popping aspects of the recent financial circus including: Drive-by house appraisals; the impact of hundreds of local housing programs funded by HUD; state governments, and housing advocacy groups; false delinquency statistics put forth by Fannie Mae and Freddie Mac; ''silent second''? and ''?piggyback? loans''.

Download or read book Mortgage Defaults written by Juan Carlos Hatchondo and published by International Monetary Fund. This book was released on 2012-01-01 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper incorporates house price risk and mortgages into a standard incomplete market (SIM) model. The model is calibrated to match U.S. data and accounts for non-targeted features of the data such as the distribution of down payments, the life-cycle profile of home ownership, and the mortgage default rate. The average coefficients that measure the agents' ability to self-insure against income shocks are similar to those of a SIM model without housing but housing increases the values of these coefficients for younger agents. The response of consumption to house price shocks is minimal. The introduction of minimum down payments or income garnishment benefits a majority of the population.

Download or read book Promoting the American Dream of Homeownership Through Downpayment Assistance written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2003 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Making Millions For Dummies written by Robert Doyen and published by John Wiley & Sons. This book was released on 2009-01-06 with total page 390 pages. Available in PDF, EPUB and Kindle. Book excerpt: The must-have guide to achieving great wealth Making Millions For Dummies lays out in simple, easy-to-understand steps the best ways to achieve wealth. Through a proven methodology of saving, building a successful business, smart investing, and carefully managing assets, this up-front, reliable guide shows readers how to achieve millionaire or multimillionaire status. It provides the lowdown on making wise financial decisions, with guidance on managing investments and inheritances, minimizing taxes, making money grow, and, most important, how to avoid common and costly financial mistakes. Millionaire wannabes will see how to maintain financial security throughout their life with this easy-to-follow road map to financial independence. For individuals who yearn to make millions but don't want to be restricted to owning or running a business, the book features other options, such as inventing and patenting the next big thing, consulting, selling high-value collectibles, and flipping or owning real estate.

Download or read book Zero Downpayment Pilot Program Act of 2006 written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2006 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Zero Downpayment Act of 2004 report together with additional supplemental and dissenting views to accompany H R 3755 including cost estimate of the Congressional Budget Office written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2004 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Fannie Mae and Freddie Mac written by Oonagh McDonald and published by A&C Black. This book was released on 2013-07-18 with total page 494 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book demonstrates how politicians and federal agencies dominated Fannie Mae and Freddie Mac and took just thirteen years to wreck the American dream of home ownership.

Download or read book A History of Mortgage Banking in the West written by E. Michael Rosser and published by University Press of Colorado. This book was released on 2017-10-15 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt: Part economic history, part public history, A History of Mortgage Banking in the West is an insider’s account of how the mortgage banking sector worked over the last 150 years, including analysis of the causes of the 2007 mortgage crisis. Beginning with the land and railroad development acts that encouraged settlement in the west, E. Michael Rosser and Diane M. Sanders trace the laws, institutions, and individuals that contributed to the economic growth of the region. Using Colorado and the west as a case study for the nation’s economic and property development as a whole since the late nineteenth century, Rosser and Sanders explain how farm mortgages and agricultural lending steadily gave way to urban development and housing mortgages, all while the large mortgage and investment firms financed the development of some of the state’s most important water resources and railroad networks. Rosser uses his personal experience as a lifelong practitioner and educator of mortgage banking, along with a plethora of primary sources, academic archives, and industry publications, to analyze the causes of economic booms and busts as they relate to real estate and development. Rosser’s professional acumen combined with Sanders’s research experience makes A History of Mortgage Banking in the West a rich and nuanced account of the region’s most significant economic events. It will be an important work for scholars and practitioners in regional and financial history, mortgage market practice and development, government housing and mortgage policy, and financial stability and of great significance to anyone curious about the role of the federal government in national housing policy and the inherent risk in mortgages.

Download or read book HUD s Government insured Mortgages written by United States. Congress. Senate. Committee on Governmental Affairs. Permanent Subcommittee on Investigations and published by . This book was released on 2000 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book American Nightmare written by Randal O'Toole and published by Cato Institute. This book was released on 2012-05-16 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: The American Dream turned into a nightmare when the housing bubble burst, and people have been trying to figure out who to blame- Greedy bankers? Corrupt politicians? Ignorant homeowners? In American Nightmare: How Government Undermines the Dream of Homeownership, Randal O'Toole explores the forces at play in the housing market and shows how we can rebuild the American dream of homeownership by eliminating federal, state, and local policies that distort the free market for housing.

Download or read book Lectures on Urban Economics written by Jan K. Brueckner and published by MIT Press. This book was released on 2011-09-09 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: A rigorous but nontechnical treatment of major topics in urban economics. Lectures on Urban Economics offers a rigorous but nontechnical treatment of major topics in urban economics. To make the book accessible to a broad range of readers, the analysis is diagrammatic rather than mathematical. Although nontechnical, the book relies on rigorous economic reasoning. In contrast to the cursory theoretical development often found in other textbooks, Lectures on Urban Economics offers thorough and exhaustive treatments of models relevant to each topic, with the goal of revealing the logic of economic reasoning while also teaching urban economics. Topics covered include reasons for the existence of cities, urban spatial structure, urban sprawl and land-use controls, freeway congestion, housing demand and tenure choice, housing policies, local public goods and services, pollution, crime, and quality of life. Footnotes throughout the book point to relevant exercises, which appear at the back of the book. These 22 extended exercises (containing 125 individual parts) develop numerical examples based on the models analyzed in the chapters. Lectures on Urban Economics is suitable for undergraduate use, as background reading for graduate students, or as a professional reference for economists and scholars interested in the urban economics perspective.

Download or read book The Tao Gals Guide to Real Estate written by Michelle Huneven and published by Bloomsbury Publishing USA. This book was released on 2008-12-17 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: Once a week, six women living in Los Angeles meet to read from the Tao te Ching and reflect on their lives. One subject arises over and over: the dream of owning a home. One by one they take on the real estate market. They discover, among themselves, great reservoirs of expertise and experience that keep them sane-and laughing-along the way. Now, the Tao Girls want to share that expertise and experience with women who find themselves similarly confused, frustrated, or disappointed. The Tao Girl's Guide to Real Estate offers a way to keep your head through it all, to eliminate that sense of helplessness, overwhelming tension, and emotional fatigue so often a part of finding a home. In telling their lively and often amusing personal stories, the Tao Girls also deliver a terrific dose of practical advice for buying any house-from the smallest condo to a suburban family dream house.

Download or read book The Programs and Operations of the Federal Housing Administration FHA written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Housing Opportunity and Community Development and published by . This book was released on 2000 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Asset Building and Low income Families written by Signe-Mary McKernan and published by The Urban Insitute. This book was released on 2008 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Low-income families have scant savings to cushion a job loss or illness, and can find economic mobility impossible without funds to invest in education, homes, or businesses. And though a lack of resources leaves such families vulnerable, income-support programs are often closed to those with a bit of savings or even a car. Considering welfare-to-work reforms, the increasingly advanced skill demands of the American workforce, and our stretched Social Security system, such an approach is inadequate to lift families out of poverty. Asset-based policies--allowing or even helping low-income families build wealth--are an increasingly popular strategy to facilitate financial stability.

Download or read book Enter the Mortgage Dragon written by Jim Seibert and published by Page Publishing Inc. This book was released on 2021-05-12 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: Enter the Mortgage Dragon: True Facts from a Mortgage Industry Insider with a Personal Tell-All is a compelling personal story about a man who overcame extreme adversity to succeed in the lucrative mortgage industry. This comes with great tips along the way and the pitfalls to avoid when it comes to the department of business oversight. You do not have to have an Ivy League education to succeed in this line of work or any other field in which "by referral only" is the dream goal. Enter the Mortgage Dragon is unlike any book on the subject, as it gives the reader a very personal journey while at the same time covers every important aspect in the industry. A few of the key takeaways include the following: The importance of understanding the various loan programs to assess what works best for you as a consumer or your client How down payments, credit, and income affect a mortgage Why customer service is crucial in achieving lending industry success Understanding credit and mistakes a consumer should not make during the loan process How to avoid the department of business oversight You are guilty until proven innocent How to effectively use the internet when it comes to the lending industry Best practices a mortgage loan advisor should keep-marketing and beyond Learn from author Jim Siebert, a previous top achiever in this field, through the journey of his childhood and personal relationships, his passion for U2, and the years that have had a profound effect on his career. Be prepared to be inspired while learning the important tools to succeed!