Download or read book Millennial Perceptions on Homeownership and Financial Planning Decisions written by and published by . This book was released on 2018 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: This master's thesis investigates the economic factors that are affecting the financial decision-making of educated, middle to upper class Millennials in Los Angeles, California. This thesis explores how economic factors, preferences, and self-efficacy interact to determine housing pathways. This thesis also asks whether Millennials in Los Angeles will be able to afford homes and how the cultural narrative of the American Dream affects preferences. In order to answer these questions, twenty in person interviews are conducted with residents of Los Angeles in which they are asked about their values and preferences regarding housing, and the economic factors they are currently facing. This thesis finds that participants are struggling to navigate through economic factors such as student loans, a changing labor market, urbanization, high cost of living, stagnating wages, and high housing prices. This thesis finds that participants are experiencing low self-efficacy when it comes to finances, which seems to be a proportional reaction to the current economic climate. This thesis also finds that most participants want to own homes, however, in reality very few will be able to afford to buy homes in Los Angeles and will have to rent indefinitely. Lastly, this thesis finds that participants are rejecting the old American dream and that their preferences and values are different from baby boomers', however the housing market has not yet evolved to meet the demand of those changing preferences.

Download or read book The Millennial Homeowner written by Lauren Bowling and published by Coventry House Publishing. This book was released on 2016-12-08 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: In her debut book The Millennial Homeowner, personal finance blogger Lauren Bowling provides a wealth of home buying tips and money management lessons to help millennials redefine their relationship with money. Written in Lauren’s warm, funny, and easy-to-understand voice, this book helps millennial homebuyers financially prepare for the biggest purchase of their lifetime. By breaking down complex financial concepts into clear, manageable tools, Lauren has written the ultimate resource to help millennials navigate the overwhelming process of purchasing and maintaining their first home. Inside The Millennial Homeowner you will learn: • How to financially prepare for homeownership • Practical tips to begin searching for your first home • How to determine affordability and avoid overspending • Specific items to look for during a home inspection • What to expect when you’re under contract • Creative ideas to renovate and add value to your home

Download or read book The Millennial s Guide to Homeownership written by N.D NGWANA and published by Billion Ideas Company. This book was released on 2023-08-05 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Navigating the world of homeownership can be daunting, especially for the millennial generation facing unique financial challenges. "The Millennial's Guide to Homeownership: From Saving to Signing" provides a clear, tailored roadmap for young adults looking to transform their dreams of owning a home into reality. Key insights include: Understanding the financial prerequisites for homeownership in today's market. Step-by-step guidance on the home-buying process, from saving for a down payment to navigating mortgage options. Strategies to bolster credit scores and secure favorable loan terms. Tips for finding the right property, including considerations for location, size, and future resale value. Navigating home inspections, negotiations, and the final closing process. Authored with the unique challenges and aspirations of millennials in mind, this guide demystifies complex real estate jargon and provides actionable strategies to overcome the hurdles of the current housing market. Moreover, the book emphasizes the importance of making informed and sustainable decisions that align with one's financial and personal goals. "The Millennial's Guide to Homeownership" is not just a book—it's a mentor, offering invaluable lessons and insights to empower a new generation of homeowners. If you're a millennial dreaming of owning your space, this guide is the key to unlocking the doors of your future home. Dive in and embark on a journey from saving to signing, all with confidence and clarity.

Download or read book Zillow Talk written by Spencer Rascoff and published by Grand Central Publishing. This book was released on 2015-01-27 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: How do you spot an area poised for gentrification? Is spring or winter the best time to put your house on the market? Will a house on Swamp Road sell for less than one on Gingerbread Lane? The fact is that the rules of real estate have changed drastically over the past five years. To understand real estate in our fast-paced, technology-driven world, we need to toss out all of the outdated truisms and embrace today's brand new information. But how? Enter Zillow, the nation's #1 real estate website and mobile app. Thanks to its treasure trove of proprietary data and army of statisticians and data scientists, led by chief economist Stan Humphries, Zillow has been able to spot the trends and truths of today's housing market while acknowledging that a home is more than an economic asset. In Zillow Talk, Humphries and CEO Spencer Rascoff explain the science behind where and how we live now and reveal practical, data-driven insights about buying, selling, renting and financing real estate. Read this book to find out why: It's better to remodel your bathroom than your kitchen Putting the word "cute" in your listing could cost you thousands of dollars You shouldn't buy the worst house in the best neighborhood You should never list your house for $444,000 You shouldn't list your house for sale before March Madness or after the Masters Densely packed with entertaining anecdotes and invaluable how-to advice, Zillow Talk is poised to be the real estate almanac for the next generation.

Download or read book It Was All a Dream written by Reniqua Allen and published by Bold Type Books. This book was released on 2019-01-08 with total page 357 pages. Available in PDF, EPUB and Kindle. Book excerpt: Young Black Americans have been trying to realize the promise of the American Dream for centuries and coping with the reality of its limitations for just as long. Now, a new generation is pursuing success, happiness, and freedom -- on their own terms. In It Was All a Dream, Reniqua Allen tells the stories of Black millennials searching for a better future in spite of racist policies that have closed off traditional versions of success. Many watched their parents and grandparents play by the rules, only to sink deeper and deeper into debt. They witnessed their elders fight to escape cycles of oppression for more promising prospects, largely to no avail. Today, in this post-Obama era, they face a critical turning point. Interweaving her own experience with those of young Black Americans in cities and towns from New York to Los Angeles and Bluefield, West Virginia to Chicago, Allen shares surprising stories of hope and ingenuity. Instead of accepting downward mobility, Black millennials are flipping the script and rejecting White America's standards. Whether it means moving away from cities and heading South, hustling in the entertainment industry, challenging ideas about gender and sexuality, or building activist networks, they are determined to forge their own path. Compassionate and deeply reported, It Was All a Dream is a celebration of a generation's doggedness against all odds, as they fight for a country in which their dreams can become a reality.

Download or read book Broke Millennial written by Erin Lowry and published by Penguin. This book was released on 2017-05-02 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: WASHINGTON POST “COLOR OF MONEY” BOOK CLUB PICK Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)! If you’re a cash-strapped 20- or 30-something, it’s easy to get freaked out by finances. But you’re not doomed to spend your life drowning in debt or mystified by money. It’s time to stop scraping by and take control of your money and your life with this savvy and smart guide. Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn’t just cover boring stuff like credit card debt, investing, and dealing with the dreaded “B” word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including: - Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material? - Managing student loans without having a full-on panic attack - What to do when you’re out with your crew and can’t afford to split the bill evenly - How to get “financially naked” with your partner and find out his or her “number” (debt number, of course) . . . and much more. Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let’s #GYFLT!

Download or read book The Financial Crisis Inquiry Report written by Financial Crisis Inquiry Commission and published by Cosimo, Inc.. This book was released on 2011-05-01 with total page 692 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on "the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government."News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com.

Download or read book Handbook of Regional and Urban Economics written by V. Henderson and published by Elsevier. This book was released on 2004-07-21 with total page 1081 pages. Available in PDF, EPUB and Kindle. Book excerpt: The new Handbook of Regional and Urban Economics: Cities and Geography reviews, synthesizes and extends the key developments in urban and regional economics and their strong connection to other recent developments in modern economics. Of particular interest is the development of the new economic geography and its incorporation along with innovations in industrial organization, endogenous growth, network theory and applied econometrics into urban and regional economics. The chapters cover theoretical developments concerning the forces of agglomeration, the nature of neighborhoods and human capital externalities, the foundations of systems of cities, the development of local political institutions, regional agglomerations and regional growth. Such massive progress in understanding the theory behind urban and regional phenomenon is consistent with on-going progress in the field since the late 1960's. What is unprecedented are the developments on the empirical side: the development of a wide body of knowledge concerning the nature of urban externalities, city size distributions, urban sprawl, urban and regional trade, and regional convergence, as well as a body of knowledge on specific regions of the world—Europe, Asia and North America, both current and historical. The Handbook is a key reference piece for anyone wishing to understand the developments in the field.

Download or read book Managing Generation Y written by Bruce Tulgan and published by Human Resource Development. This book was released on 2001 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt: They thrive on challenging work and creative expression, love freedom and flexibility, and hate micromanagement. They are fiercely loyal to managers that are knowledgeable, caring coaches that can mentor them to achieve their goals. What does Gen Y expect from you? Ongoing research indicates that the fourteenth generation has expectations of their bosses such as: Provide challenging work that matters Balance clearly delegated assignments with the freedom and flexibility to produce results in their own way Reward accomplishments with increased responsibility Provide ongoing training and learning opportunities Establish mentoring relationships Managing Genertion Y is for those who want to become the employer of choice for the next cohort of young adults. Discover the Gen Y traits that pose the greatest challenges to managers as well as the best practices you can implement now to keep these upbeat, techno-savvy workers focused and motivated.

Download or read book Broke Millennial Takes On Investing written by Erin Lowry and published by Penguin. This book was released on 2019-04-09 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: A guide to investing basics by the author of Broke Millennial, for anyone who feels like they aren't ready (or rich enough) to get into the market Millennials want to learn how to start investing. The problem is that most have no idea where to begin. There's a significant lack of information out there catering to the concerns of new millennial investors, such as: * Should I invest while paying down student loans? * How do I invest in a socially responsible way? * What about robo-advisors and apps--are any of them any good? * Where can I look online for investment advice? In this second book in the Broke Millennial series, Erin Lowry answers those questions and delivers all of the investment basics in one easy-to-digest package. Tackling topics ranging from common terminology to how to handle your anxiety to retirement savings and even how to actually buy and sell a stock, this hands-on guide will help any investment newbie become a confident player in the market on their way to building wealth.

Download or read book Generational Career Shifts written by Eddy S. Ng and published by Emerald Group Publishing. This book was released on 2018-02-28 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Offering an overview of existing research and drawing upon the authors’ own study of approximately 3,000 students and knowledge workers, this book documents how careers have fundamentally shifted over the past five decades and offers crucial insights into what these shifts mean for employers and their management strategies.

Download or read book The Ideology of Home Ownership written by R. Ronald and published by Springer. This book was released on 2008-05-28 with total page 293 pages. Available in PDF, EPUB and Kindle. Book excerpt: Demand for owner-occupied housing has expanded dramatically across modern-industrialized societies in recent years leading to volatile increases in residential property values. This book explores the rise of modern home-ownership as a cultural, socio-political and ideological phenomenon.

Download or read book Housing in the Evolving American Suburb written by Stockton Williams and published by . This book was released on 2016-12-01 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Shifting Suburbs: Reinventing Infrastructure for Compact Development- Suburban housing markets across the United States are evolving rapidly and overall remain well-positioned to maintain their relevance for the foreseeable future as preferred places to live and work, even as many urban cores and downtown neighborhoods continue to attract new residents and businesses. Suburban housing dynamics increasingly reflect some of the most profound issues shaping our society, including aging, immigration, economic mobility, and evolving consumer preferences. As a result, suburbs will generate substantial residential development and redevelopment opportunities and challenges in the years ahead. -Housing in the Evolving American Suburb- This title describes different kinds of suburbs based on the key factors that define and determine their housing markets. The report classifies and compares suburbs in the 50 largest metro areas in the U.S. and assesses the key issues that will shape suburban residential demand and development in the future. Suburban housing markets across the United States are evolving rapidly and overall remain well-positioned to maintain their relevance for the foreseeable future as preferred places to live and work, even as many urban cores and downtown neighborhoods continue to attract new residents and businesses. Suburban housing dynamics increasingly reflect some of the most profound issues shaping our society, including aging, immigration, economic mobility, and evolving consumer preferences. As a result, suburbs will generate substantial residential development and redevelopment opportunities and challenges in the years ahead. Housing in the Evolving American Suburb, describes different kinds of suburbs based on the key factors that define and determine their housing markets. The report classifies and compares suburbs in the 50 largest metro areas in the U.S. and assesses the key issues that will shape suburban residential demand and development in the future."

Download or read book Investing in the Health and Well Being of Young Adults written by National Research Council and published by National Academies Press. This book was released on 2015-01-27 with total page 431 pages. Available in PDF, EPUB and Kindle. Book excerpt: Young adulthood - ages approximately 18 to 26 - is a critical period of development with long-lasting implications for a person's economic security, health and well-being. Young adults are key contributors to the nation's workforce and military services and, since many are parents, to the healthy development of the next generation. Although 'millennials' have received attention in the popular media in recent years, young adults are too rarely treated as a distinct population in policy, programs, and research. Instead, they are often grouped with adolescents or, more often, with all adults. Currently, the nation is experiencing economic restructuring, widening inequality, a rapidly rising ratio of older adults, and an increasingly diverse population. The possible transformative effects of these features make focus on young adults especially important. A systematic approach to understanding and responding to the unique circumstances and needs of today's young adults can help to pave the way to a more productive and equitable tomorrow for young adults in particular and our society at large. Investing in The Health and Well-Being of Young Adults describes what is meant by the term young adulthood, who young adults are, what they are doing, and what they need. This study recommends actions that nonprofit programs and federal, state, and local agencies can take to help young adults make a successful transition from adolescence to adulthood. According to this report, young adults should be considered as a separate group from adolescents and older adults. Investing in The Health and Well-Being of Young Adults makes the case that increased efforts to improve high school and college graduate rates and education and workforce development systems that are more closely tied to high-demand economic sectors will help this age group achieve greater opportunity and success. The report also discusses the health status of young adults and makes recommendations to develop evidence-based practices for young adults for medical and behavioral health, including preventions. What happens during the young adult years has profound implications for the rest of the life course, and the stability and progress of society at large depends on how any cohort of young adults fares as a whole. Investing in The Health and Well-Being of Young Adults will provide a roadmap to improving outcomes for this age group as they transition from adolescence to adulthood.

Download or read book Financial Risk Tolerance A Psychometric Review written by John E. Grable and published by CFA Institute Research Foundation. This book was released on 2017-06-30 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: This content provides financial analysts, investment professionals, and financial planners with a review of how financial risk-tolerance tests can and should be evaluated. It begins by clarifying terms related to risk taking and is followed by a broad overview of two important measurement terms: validity and reliability. It concludes with examples for practice.

Download or read book Adolescence and Emerging Adulthood written by Jeffrey Jensen Arnett and published by . This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Helps students understand how culture impacts development in adolescence and emerging adulthood. Grounded in a global cultural perspective (within and outside of the US), this text enriches the discussion with historical context and an interdisciplinary approach, including studies from fields such as anthropology and sociology, in addition to the compelling psychological research on adolescent development. This book also takes into account the period of "emerging adulthood" (ages 18-25), a term coined by the author, and an area of study for which Arnett is a leading expert. Arnett continues the fifth edition with new and updated studies, both U.S. and international. With Pearson's MyDevelopmentLab Video Series and Powerpoints embedded with video, students can experience a true cross-cultural experience. A better teaching and learning experience This program will provide a better teaching and learning experience-- for you and your students. Here's how: Personalize Learning - The new MyDevelopmentLab delivers proven results in helping students succeed, provides engaging experiences that personalize learning, and comes from a trusted partner with educational expertise and a deep commitment to helping students and instructors achieve their goals. Improve Critical Thinking - Students learn to think critically about the influence of culture on development with pedagogical features such as Culture Focus boxes and Historical Focus boxes. Engage Students - Arnett engages students with cross cultural research and examples throughout. MyVirtualTeen, an interactive simulation, allows students to apply the concepts they are learning to their own "virtual teen." Explore Research - "Research Focus" provides students with a firm grasp of various research methods and helps them see the impact that methods can have on research findings. Support Instructors - This program provides instructors with unbeatable resources, including video embedded PowerPoints and the new MyDevelopmentLab that includes cross-cultural videos and MyVirtualTeen, an interactive simulation that allows you to raise a child from birth to age 18. An easy to use Instructor's Manual, a robust test bank, and an online test generator (MyTest) are also available. All of these materials may be packaged with the text upon request. Note: MyDevelopmentLab does not come automatically packaged with this text. To purchase MyDevelopmentLab, please visit: www.mydevelopmentlab.com or you can purchase a ValuePack of the text + MyDevelopmentlab (at no additional cost): ValuePack ISBN-10: 0205911854/ ValuePack ISBN-13: 9780205911851. Click here for a short walkthrough video on MyVirtualTeen! http://www.youtube.com/playlist'list=PL51B144F17A36FF25&feature=plcp

Download or read book Regional Approaches to Affordable Housing written by Stuart Meck and published by . This book was released on 2003 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do regional approaches to affordable housing actually result in housing production and, if so, how? Regional Approaches to Affordable Housing answers these critical questions and more. Evaluating 23 programs across the nation, the report begins by tracing the history of regional housing planning in the U.S. and defining contemporary big picture issues on housing affordability. It examines fair-share regional housing planning in three states and one metropolitan area, and follows with an appraisal of regional housing trust funds--a new phenomenon. Also assessed are an incentive program in the Twin Cities region and affordable housing appeals statutes in Massachusetts, Rhode Island, and Connecticut. The study looks at recent private-sector initiatives to promote affordable housing production in the San Francisco Bay area and Chicago. A concluding chapter proposes a set of best and second-best practices. Supplementing the report are appendices containing an extensive annotated bibliography, a research note on housing need forecasting and fair-share allocation formulas, a complete list of state enabling legislation authorizing local housing planning, and two model state acts.