Download or read book Why Can t You Afford a Home written by Josh Ryan-Collins and published by John Wiley & Sons. This book was released on 2018-11-26 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: Throughout the Western world, a whole generation is being priced out of the housing market. For millions of people, particularly millennials, the basic goal of acquiring decent, affordable accommodation is a distant dream. Leading economist Josh Ryan-Collins argues that to understand this crisis, we must examine a crucial paradox at the heart of modern capitalism. The interaction of private home ownership and a lightly regulated commercial banking system leads to a feedback cycle. Unlimited credit and money flows into an inherently finite supply of property, which causes rising house prices, declining home ownership, rising inequality and debt, stagnant growth and financial instability. Radical reforms are needed to break the cycle. This engaging and topical book will be essential reading for anyone who wants to understand why they can’t find an affordable home, and what we can do about it.

Download or read book Strong Towns written by Charles L. Marohn, Jr. and published by John Wiley & Sons. This book was released on 2019-10-01 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: A new way forward for sustainable quality of life in cities of all sizes Strong Towns: A Bottom-Up Revolution to Build American Prosperity is a book of forward-thinking ideas that breaks with modern wisdom to present a new vision of urban development in the United States. Presenting the foundational ideas of the Strong Towns movement he co-founded, Charles Marohn explains why cities of all sizes continue to struggle to meet their basic needs, and reveals the new paradigm that can solve this longstanding problem. Inside, you’ll learn why inducing growth and development has been the conventional response to urban financial struggles—and why it just doesn’t work. New development and high-risk investing don’t generate enough wealth to support itself, and cities continue to struggle. Read this book to find out how cities large and small can focus on bottom-up investments to minimize risk and maximize their ability to strengthen the community financially and improve citizens’ quality of life. Develop in-depth knowledge of the underlying logic behind the “traditional” search for never-ending urban growth Learn practical solutions for ameliorating financial struggles through low-risk investment and a grassroots focus Gain insights and tools that can stop the vicious cycle of budget shortfalls and unexpected downturns Become a part of the Strong Towns revolution by shifting the focus away from top-down growth toward rebuilding American prosperity Strong Towns acknowledges that there is a problem with the American approach to growth and shows community leaders a new way forward. The Strong Towns response is a revolution in how we assemble the places we live.

Download or read book What People Want when They Buy a House written by Edward Thurber Paxton and published by . This book was released on 1955 with total page 142 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Who Can Afford to Buy a House written by Peter Fronczek and published by . This book was released on 1991 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Solving America s Shortage of Homes Working Families Can Afford written by and published by . This book was released on 2005-01-01 with total page 180 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book How to Buy a House when You re Cash Poor written by Vanessa A. Bush and published by McGraw-Hill/Contemporary. This book was released on 1986 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Housing America written by Randall G. Holcombe and published by Routledge. This book was released on 2017-07-05 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt: Housing policy not only aff ects all Americans' quality of life, but has a direct impact on their fi nancial well being. About 70 percent of American households own their own homes, and for most, their homes represent the majority of their net worth. Renters are aff ected by housing policy. Even the small minority of Americans who are homeless are aff ected by housing policies specifi cally targeted to low-income individuals.The government's increasing involvement in housing markets, fed by popular demand that government "do something" to address real problems of mortgage defaults and loans, provides good reason to take a new look at the public sector in housing markets. Crises in prime mortgage lending may lower the cost of housing, but the poor and homeless cannot benefi t because of increases in unemployment. Even the private market is heavily regulated. Government policies dictate whether people can build new housing on their land, what type of housing they can build, the terms allowed in rental contracts, and much more.This volume considers the eff ects of government housing policies and what can be done to make them work better. It shows that many problems are the result of government rules and regulations. Even in a time of foreclosures, the market can still do a crucial a job of allocating resources, just as it does in other markets. Consequently, the appropriate policy response may well be to signifi cantly reduce, not increase, government presence in housing markets. Housing America is a courageous and comprehensive eff ort to examine housing policies in the United States and to show how such policies aff ect the housing market.

Download or read book Renovate to Riches written by Mike Dulworth and published by John Wiley & Sons. This book was released on 2004-05-03 with total page 314 pages. Available in PDF, EPUB and Kindle. Book excerpt: Turn weekend home-improvement projects into big money! Did you know you and your spouse can sell your home every two years and pay no taxes on profits up to $500,000? It's true! In fact, you should think of your home as an investment as much as a place to live. Simple renovations can dramatically increase the value of your home, and you can undertake most of them on your own and in your spare time. Renovate to Riches shows you how to turn your sweat into equity and your home into a moneymaker. Millions of people across America are making their do-it-yourself weekend projects pay off-and you can too. This straightforward guide will show you how to secure financing for your home, accomplish the renovations that add the most value, and get the highest price when you sell. It shows you how to design your own custom plan for creating wealth over five, ten, or even twenty years, and includes detailed case studies that help you avoid common mistakes. Renovate to Riches also includes: * An explanation of complicated federal tax codes * Tips on finding great homes at bargain prices * Advice on financing options * Which renovations add the most value * Professional guidance on interior design, landscaping, and other home improvement projects * Which projects you should be able to handle yourself and which will require a professional contractor * How to work with contractors and keep it cheap * Practical advice from the experts-real estate agents, brokers and bankers, tax advisors, contractors and carpenters, landscapers, interior and lighting designers, home inspectors, and appraisers Renovate to Riches is not a get-rich-quick scheme. It's a practical, step-by-step guide to building long-term wealth. You don't need the skills of a contractor or the experience of a real estate agent; all you need is a little extra time, a little extra money-and this unbeatable guide.

Download or read book The White Coat Investor written by James M. Dahle and published by White Coat Investor LLC the. This book was released on 2014-01 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!

Download or read book Why Mobile Homes Are The Most Affordable And Best Type Of Housing Option The Advantages And Disadvantages Associated With Owning A Mobile Home And How To Make Money So That You Can Afford To Buy A Manufactured Home written by Dr Harrison Sachs and published by . This book was released on 2020-10-11 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: This essay sheds light on why mobile homes are the utmost most affordable and best type of housing option for prospective home buyers and also elucidates the ample advantages and disadvantages appertaining to owning a mobile home. Moreover, how to make money so that you can afford to invest in buying a mobile home is delineated in this essay. In spite their stigmatized perception, mobile homes are by far the utmost afford and quintessential housing option for most people. Mobile homes of the modern era are today's manufactured homes even though people often prefer to refer to them simply as mobile homes. Mobile home are manufactured in a factory and have just as much structural integrity, if not more, than stick-built homes which are built on the work-site instead of in a factory setting. The mobile homes built after 1976 are no more vulnerable to tornado damage than site-built homes. Stick-built homes may have less structural integrity than mobile homes due to having been exposed to the elements when being constructed as a result of never having been constructed in a factory setting. "The term 'mobile home' refers to an unregulated construction pre-1976, and the term 'manufactured home' refers to a housing unit that is constructed post-1976 following specific rules for design, durability and safety" (Understanding the difference," 2017). The savings for the mobile homes buyers reap goes far beyond manufacturers being able to pass on cost savings to customers from having reduced labor costs and reduced raw material costs from having procured steel, appliances, and the necessary housing parts in bulk. Mobile homes are substantially more affordable than stick-built homes, primarily because they are constructed in a factory, produced in massive quantities with limited customization options available, and the manufacturing process for the mobile homes has been eminently streamlined to minimize inefficiencies. For instance, "Instead of having a separate framing crew, plumber, electrician, A/C professional, cabinet maker, counter top specialist, flooring specialist, sheet-rock crew, insulation crew and concrete crew working for themselves and showing up at all different times like they would on a site built home, you have them all together at one convenient location to work on the construction of the mobile home. Also, each manufacturer will have a limited number of floor-plans that they build. This means that they are building the same plan over and over day after day, which increases efficiency and time as well as cuts down on common building mistakes that are generally experienced with every site built home. All of these floor-plans are drawn by an engineer and are then certified by a licensed plumber, electrician, etc. This cuts down on costs dramatically" (Chapman, 2015). The operational efficiencies associated throughout all stages of the manufacturing process not only culminates in manufacturers being able to produce 4-7 robust, high quality mobile homes in a single day (Chapman, 2015), but also allows the home buyers to minimize their housing costs. Mobile homes can be considered the utmost highest quality homes since all stages of the manufacturing process have been eminently streamlined to practically unalloyed perfection and the raw materials needed to construct the home have not been profusely exposed to the outside elements, unlike stick-built homes that are built on the housing-site. Moreover, post 1976 mobile homes can be moved and subsequently securely anchored to a vacant parcel of land in order to render it almost impervious to hurricanes and tornadoes. Although the utmost devastating hurricanes and tornadoes can damage any type of home, stick-built homes are no less vulnerable to these calamities than post-1976 mobile homes which are securely bolted to the ground. Mobile homes not only provide a affordable housing option for less than 1/5 of the cost of a traditional stick-built home.

Download or read book Why You Should Never Invest in Buying a Traditional Home Nor Renovating the Real Estate Property Why Manufactured Homes Are the Most Affordable and Best Type of Housing Option and Advantages and Disadvantages Associated with Owning a Manufactured Home written by Harrison Sachs and published by . This book was released on 2020-02-25 with total page 59 pages. Available in PDF, EPUB and Kindle. Book excerpt: This essay sheds light on why mobile homes are the utmost most affordable and best type of housing option for prospective home buyers and also elucidates the ample advantages and disadvantages appertaining to owning a mobile home. Moreover, how to make money so that you can afford to invest in buying a mobile home is delineated in this essay. In spite their stigmatized perception, mobile homes are by far the utmost afford and quintessential housing option for most people. Mobile homes of the modern era are today's manufactured homes even though people often prefer to refer to them simply as mobile homes. Mobile home are manufactured in a factory and have just as much structural integrity, if not more, than stick-built homes which are built on the work-site instead of in a factory setting. The mobile homes built after 1976 are no more vulnerable to tornado damage than site-built homes. Stick-built homes may have less structural integrity than mobile homes due to having been exposed to the elements when being constructed as a result of never having been constructed in a factory setting. "The term 'mobile home' refers to an unregulated construction pre-1976, and the term 'manufactured home' refers to a housing unit that is constructed post-1976 following specific rules for design, durability and safety" (Understanding the difference," 2017). The savings for the mobile homes buyers reap goes far beyond manufacturers being able to pass on cost savings to customers from having reduced labor costs and reduced raw material costs from having procured steel, appliances, and the necessary housing parts in bulk. Mobile homes are substantially more affordable than stick-built homes, primarily because they are constructed in a factory, produced in massive quantities with limited customization options available, and the manufacturing process for the mobile homes has been eminently streamlined to minimize inefficiencies. For instance, "Instead of having a separate framing crew, plumber, electrician, A/C professional, cabinet maker, counter top specialist, flooring specialist, sheet-rock crew, insulation crew and concrete crew working for themselves and showing up at all different times like they would on a site built home, you have them all together at one convenient location to work on the construction of the mobile home. Also, each manufacturer will have a limited number of floor-plans that they build. This means that they are building the same plan over and over day after day, which increases efficiency and time as well as cuts down on common building mistakes that are generally experienced with every site built home. All of these floor-plans are drawn by an engineer and are then certified by a licensed plumber, electrician, etc. This cuts down on costs dramatically" (Chapman, 2015). The operational efficiencies associated throughout all stages of the manufacturing process not only culminates in manufacturers being able to produce 4-7 robust, high quality mobile homes in a single day (Chapman, 2015), but also allows the home buyers to minimize their housing costs. Mobile homes can be considered the utmost highest quality homes since all stages of the manufacturing process have been eminently streamlined to practically unalloyed perfection and the raw materials needed to construct the home have not been profusely exposed to the outside elements, unlike stick-built homes that are built on the housing-site. Moreover, mobile homes can be moved and subsequently securely anchored to a vacant parcel of land in order to render it almost impervious to hurricanes and tornadoes. Although the utmost devastating hurricanes and tornadoes can damage any type of home, stick-built homes are no less vulnerable to these calamities than post-1976 mobile homes which are securely bolted to the ground. Mobile homes not only provide a affordable housing option for less than 1/5 of the cost of a traditional stick-built home.

Download or read book Missing Middle Housing written by Daniel G. Parolek and published by Island Press. This book was released on 2020-07-14 with total page 330 pages. Available in PDF, EPUB and Kindle. Book excerpt: Today, there is a tremendous mismatch between the available housing stock in the US and the housing options that people want and need. The post-WWII, auto-centric, single-family-development model no longer meets the needs of residents. Urban areas in the US are experiencing dramatically shifting household and cultural demographics and a growing demand for walkable urban living. Missing Middle Housing, a term coined by Daniel Parolek, describes the walkable, desirable, yet attainable housing that many people across the country are struggling to find. Missing Middle Housing types—such as duplexes, fourplexes, and bungalow courts—can provide options along a spectrum of affordability. In Missing Middle Housing, Parolek, an architect and urban designer, illustrates the power of these housing types to meet today’s diverse housing needs. With the benefit of beautiful full-color graphics, Parolek goes into depth about the benefits and qualities of Missing Middle Housing. The book demonstrates why more developers should be building Missing Middle Housing and defines the barriers cities need to remove to enable it to be built. Case studies of built projects show what is possible, from the Prairie Queen Neighborhood in Omaha, Nebraska to the Sonoma Wildfire Cottages, in California. A chapter from urban scholar Arthur C. Nelson uses data analysis to highlight the urgency to deliver Missing Middle Housing. Parolek proves that density is too blunt of an instrument to effectively regulate for twenty-first-century housing needs. Complete industries and systems will have to be rethought to help deliver the broad range of Missing Middle Housing needed to meet the demand, as this book shows. Whether you are a planner, architect, builder, or city leader, Missing Middle Housing will help you think differently about how to address housing needs for today’s communities.

Download or read book Financial Peace written by Dave Ramsey and published by Lampo. This book was released on 2002-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dave Ramsey explains those scriptural guidelines for handling money.

Download or read book The Future Of Housing In The Digital Era The Most Affordable Types Of Housing Options That Will Be Popular In The Future How 3D Printed Homes Will Revolutionize The Housing Industry And Why Mobile Homes Are The Quintessential Housing Option For Buyers written by Dr Harrison Sachs and published by . This book was released on 2020-02-10 with total page 74 pages. Available in PDF, EPUB and Kindle. Book excerpt: This essay sheds light on the future of housing in the digital era, identifies the most affordable types of housing options that will be popular in the future, and delineates how 3d printed homes will revolutionize the housing industry. Moreover, why mobile homes are considered the utmost affordable and best housing option for home buyers is explicated and the multitude of advantages and disadvantages appertaining to possessing a mobile home are delineated in this essay. Furthermore, how to earn substantial money online so that you can afford to buy your dream home is expounded upon in this essay. The future of housing the digital era will reshape the housing industry as we know it and will culminate in more people living in manufactured homes, modular homes, 3D printed homes, and apartment buildings with micro-apartment units over traditional, single family, stick built homes. In other words, the future of housing will revolutionize the housing landscape by rendering housing affordable and not cost prohibitive as it currently is today for most people. The future of the housing industry will help to alleviate homelessness by allowing people to afford to have their own humble abodes without grossly mortgaging away decades of the future to finance the purchase of their homes. In the future, more homes will be deemed smart homes as a result of "having smart home systems that includes thermostats, voice-activated security, and interconnected kitchen appliances" (Lewis, 2019). Smart homes will also be more energy-efficient, utilize solar powered technologies, and will be replete with ample smart technologies. "This also means that the homeowner can control almost everything remotely in a smart home: from room temperature to opening the door and turning on the over. According to a report by the market research firm Berg Insight, by 2022, their report estimates that 63 million households in North America will have adopted smart home systems. The biggest energy savers in smart homes are the temperature control systems. Homeowners can control temperature ranges in multiple zones in their their home to prevent wasting energy heating or cooling unused rooms. The microgrid that the smart home extracts energy from helps to maximize these energy savings. For instance, if it is a mild day and homes do not need as much energy, it turns on the heat pump and water heater to store excess energy for later" (Lewis, 2019). Smart homes are able to render the cost of living all the more affordable since they deemed energy efficient homes. In addition to homes of the future being rendered smart homes as a result of having smart home systems, being more energy-efficient, utilizing solar powered technologies, and being saturated with smart technologies, 3D printed homes will also a popular housing option in the coming decades. 3D printed homes can be produced in 24 hours for under $5,000. For instance, a "600- to 800-square-foot home can be produced in just 24 hours for $4,000 or less" (Bendix, 2019). A 3D printed home can be produced in an expeditious matter with only a few workers and these 3D printed homes can be designed to withstand adverse weather conditions and even extreme weather conditions. 3D printed homes will be able "to provide safe housing to some of the 1.3 billion people around the world residing in slums" (Bendix, 2019). 3D printed homes are preordained to become more popular in the future since they provide a safe and affordable housing option that can help to profusely alleviate poverty around the world. Modular homes will also amplify in popularity in the coming years since they provide a more affordable housing alternative over traditional stick built homes. "Sometimes called factory-built, system-built or prefab homes, the modular building process is changing construction for the better around the world, providing a fast, cost-effective and efficient way to build a home Modular homes are constructed in an indoor factory setting.

Download or read book How to Buy a House written by Mark Ferguson and published by . This book was released on 2017-05-10 with total page 318 pages. Available in PDF, EPUB and Kindle. Book excerpt: A house is the biggest purchase most people will ever make, but most people don't know the best way to buy a home. The book covers everything you need to know about the home buying and selling process so that you are not taken advantage of. including:- Deciding on how much money to spend on a house(don't let your lender or agent decide for you!)- Deciding whether you should buy or rent- How to get a great deal on a house that will build instant equity- How to get the best loan with less money down (if that is your goal) and the lower overall cost- How to find the best real estate agent and lender and why you need them- How the process works including inspections, appraisals, title insurance, mortgages, closings, escrows, HOAs, etc...- How to fix up your house and maintain it- How to find contractors to help you fix up your house- How to sell your house for the most money- When and if you should refinance your house- A glossary full of definitions for real estate terms- Plus bonus chapters on starting a career in real estateThere has been a lot of talk about real estate being a bad investment. Many financial and economic advisers suggest buying a home may be worse for your finances than renting. However, I think most people do not take the home buying or selling process seriously. They put all their faith in other people to get the right deal done for them. If you blindly buy a house based on what your real estate agent or lender tell you, it may not be a good investment! However, if you are able to find great deals, get a good loan, and take care of your home, real estate can be an incredible tool to build wealth. I am a real estate agent, and real estate investor who has done very well buying hundreds of houses. I try to teach what I know to others to help them make smarter and better decisions. If you know the right way to buy a home, it beats renting every time. There is a lot of information in this book, and depending on your real estate experience you may know some of it, or be familiar with a lot of it. I have created four sections with many chapters to make it easy to navigate. The first part of the book focuses on the bare basics of buying and selling houses, while the later sections go deeper into each aspect of real estate. I hope you enjoy the book and learn how to make your real estate purchases awesome investments.

Download or read book How to Buy a Home When You Can t Afford It written by Robert Irwin and published by McGraw Hill Professional. This book was released on 2002 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: This latest book from real estate author Irwin brings a ray a hope those who dream of owning their own homes but aren't sure they can afford one or lack the "official" financial qualifications for a mortgage.

Download or read book Fixer Upper written by Jenny Schuetz and published by Brookings Institution Press. This book was released on 2022-02-22 with total page 119 pages. Available in PDF, EPUB and Kindle. Book excerpt: Practical ideas to provide affordable housing to more Americans Much ink has been spilled in recent years talking about political divides and inequality in the United States. But these discussions too often miss one of the most important factors in the divisions among Americans: the fundamentally unequal nature of the nation’s housing systems. Financially well-off Americans can afford comfortable, stable homes in desirable communities. Millions of other Americans cannot. And this divide deepens other inequalities. Increasingly, important life outcomes—performance in school, employment, even life expectancy—are determined by where people live and the quality of homes they live in. Unequal housing systems didn’t just emerge from natural economic and social forces. Public policies enacted by federal, state, and local governments helped create and reinforce the bad housing outcomes endured by too many people. Taxes, zoning, institutional discrimination, and the location and quality of schools, roads, public transit, and other public services are among the policies that created inequalities in the nation’s housing patterns. Fixer-Upper is the first book assessing how the broad set of local, state, and national housing policies affect people and communities. It does more than describe how yesterday’s policies led to today’s problems. It proposes practical policy changes than can make stable, decent-quality housing more available and affordable for all Americans in all communities. Fixing systemic problems that arose over decades won’t be easy, in large part because millions of middle-class Americans benefit from the current system and feel threatened by potential changes. But Fixer-Upper suggests ideas for building political coalitions among diverse groups that share common interests in putting better housing within reach for more Americans, building a more equitable and healthy country.