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Author: Shari B. Olefson Publisher: Prometheus Books ISBN: 1591028671 Category : Business & Economics Languages : en Pages : 522
Book Description
The family residence is the backbone of the American economy, the most valuable and enduring asset for those who have achieved a financial foothold. Yet today record numbers of households confront foreclosure. In the next year it is estimated that over two million Americans will lose their homes and almost two billion dollars of wealth will disappear in the process. How did the traditional "American Dream" morph into a nightmare for so many? Real estate attorney and educator Shari B. Olefson, a recognized expert in the current mortgage crisis and its effects on homeowners, explains how America slipped to the edge of this dangerous stagnation-recession precipice. In plain language that is easily understandable to the average person, she clarifies legal and financial terminology and describes how our country’s mortgage system really works. Utilizing real-life lender and borrower interviews, she exposes its intrinsic flaws and often discriminatory practices, from the mortgage application process to the securitization of bundled mortgages by large investment firms. She also provides evidence to show the government’s and Wall Street’s roles in both causing and solving the problem. Above all, Olefson offers expert tips, tools, and resources to help you: • Choose a mortgage professional and understand what’s motivating him or her • Decide what mortgage product fits best and when to refinance • Get the best fees, interest rate, and service • Create your own solutions for navigating the credit crunch • Know what to do when you can’t afford your mortgage • Protect your home if you are at risk of foreclosure • Understand how to proceed if you are already in foreclosure • Capitalize on emerging opportunities and avoid the scams and mortgage fraud • Prepare for coming changes Foreclosure Nation demystifies the real estate bubble and the subprime mortgage crises that followed. With bold, clear visuals like inventory, absorption, and price trend graphs, Olefson pinpoints exactly when and why experts are predicting a recovery. She also cites statistics that strongly suggest the number of foreclosures will surge in the fall of 2008 and again in 2009, with increased reverberations felt throughout the US and global economies. Foreclosure Nation will prove indispensable to explaining what is happening and guiding readers through. Whether you are planning on buying your first home, struggling to meet your current mortgage payments, facing foreclosure, or wondering how your investments will be affected, this comprehensive book will assuage the fear of the unknown, empowering you to make wise choices and protect your most valuable assets.
Author: Shari B. Olefson Publisher: Prometheus Books ISBN: 1591028671 Category : Business & Economics Languages : en Pages : 522
Book Description
The family residence is the backbone of the American economy, the most valuable and enduring asset for those who have achieved a financial foothold. Yet today record numbers of households confront foreclosure. In the next year it is estimated that over two million Americans will lose their homes and almost two billion dollars of wealth will disappear in the process. How did the traditional "American Dream" morph into a nightmare for so many? Real estate attorney and educator Shari B. Olefson, a recognized expert in the current mortgage crisis and its effects on homeowners, explains how America slipped to the edge of this dangerous stagnation-recession precipice. In plain language that is easily understandable to the average person, she clarifies legal and financial terminology and describes how our country’s mortgage system really works. Utilizing real-life lender and borrower interviews, she exposes its intrinsic flaws and often discriminatory practices, from the mortgage application process to the securitization of bundled mortgages by large investment firms. She also provides evidence to show the government’s and Wall Street’s roles in both causing and solving the problem. Above all, Olefson offers expert tips, tools, and resources to help you: • Choose a mortgage professional and understand what’s motivating him or her • Decide what mortgage product fits best and when to refinance • Get the best fees, interest rate, and service • Create your own solutions for navigating the credit crunch • Know what to do when you can’t afford your mortgage • Protect your home if you are at risk of foreclosure • Understand how to proceed if you are already in foreclosure • Capitalize on emerging opportunities and avoid the scams and mortgage fraud • Prepare for coming changes Foreclosure Nation demystifies the real estate bubble and the subprime mortgage crises that followed. With bold, clear visuals like inventory, absorption, and price trend graphs, Olefson pinpoints exactly when and why experts are predicting a recovery. She also cites statistics that strongly suggest the number of foreclosures will surge in the fall of 2008 and again in 2009, with increased reverberations felt throughout the US and global economies. Foreclosure Nation will prove indispensable to explaining what is happening and guiding readers through. Whether you are planning on buying your first home, struggling to meet your current mortgage payments, facing foreclosure, or wondering how your investments will be affected, this comprehensive book will assuage the fear of the unknown, empowering you to make wise choices and protect your most valuable assets.
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher: ISBN: Category : Business & Economics Languages : en Pages : 120
Author: Kojin Karatani Publisher: Oxford University Press ISBN: 0190622989 Category : Literary Collections Languages : en Pages : 208
Book Description
Nation and Aesthetics is a unique attempt to examine the ambiguous nature of nationalism and nation by examining them through aesthetics. In this translation by Jonathan E. Abel, Darwin H. Tsen, and Hiroki Yoshikuni, Karatani grasps the modern social formation as a nexus of three different "modes of exchange", namely capital-nation-state. Nation here plays the role of complementing capitalism and the state. Benedict Anderson defined nation as an "imagined community". Through rethinking Kant, Karatani suggests that "imagination" here is not a mere fancy, but very real, in the sense that it mediates state and capital. Usually imagination is regarded as fancying what is not present here. Kant grasped imagination as a faculty to imagine what we can understand but cannot sense; that is, to say, a faculty to mediate reason and sensibility. This observation provided the foundation to Modern aesthetics, which in the course of time became an important source of nationalism. In Italy, Germany, and Japan, nationalism appeared as fascism. They found in aesthetics a moment to go beyond capitalism and the state. The key to go beyond nation, Karatani argues, lies also in the thoughts of Kant, a cosmopolitan and an advocate of a world republic. It is well-known that the League of Nations was formed after First World War under the influence of his "Perpetual Peace". Karatani draws attention to the overlooked fact that around the same time Freud made a radical revision of his notion of the "superego". Karatani introduces article nine of Japan's postwar constitution, which renounces the right to wage war, as a crystallization of Kant's ideal of peace and Freud's superego. By providing a unique explanation of, and ways to counter, current nationalistic and imperialistic tendencies, Nation and Aesthetics argues that theories of Kant and Freud, which are usually understood to contrast, are deeply linked and suggest ways to go beyond capital-nation-state.
Author: Philip Jenkins Publisher: Bloomsbury Publishing ISBN: 1352006189 Category : History Languages : en Pages : 276
Book Description
The US continues to be the world's most powerful nation, an enormous driver of culture and technology. The present century has witnessed many momentous (and controversial) developments, the full significance of which may take many years to assess. Rethinking a Nation offers an ambitious, historically-informed analysis to help readers understand the current state of US affairs and their likely future course. Providing a survey of US history since 2000, and considering the current state of the nation in light of the events of the past two decades, Philip Jenkins discusses the impact of the 9/11 attacks and the two lengthy wars that ensued; the causes and outcome of the economic near-collapse of 2008; critical debates over the proper role of the state in matters like health care; and the stark decline of traditional industries and working class communities. At the fore in his exploration are themes of the growing gulf between old and new Americas; the crisis of whiteness; the challenge to masculinity; the pervasive impacts of technology; surging inequality; and the new American role in a multipolar world. With chapters covering topics and issues such as race and immigration, the Obama government, protest movements, gender and sexuality, climate change debates, social media, fracking, the Trump election, and the US in global context, this is an essential text for undergraduate and postgraduate students of American history and anyone seeking to understand the contemporary US.
Author: Carla Douglin Publisher: Morgan James Publishing ISBN: 1614484074 Category : Business & Economics Languages : en Pages : 160
Book Description
America's #1 Do-It-Yourself Foreclosure Prevention Resource! Across the nation, foreclosures are on the rise due to designer mortgages, rising debt ratios, & depressed housing markets. Most homeowners have no idea where to find basic, credible, & instructional information about the foreclosure process, or what to do when facing the time crunch before an auction. The Foreclosure Workbook is a revolutionary system that provides an unprecedented approach to foreclosure avoidance, protection, & survival. This workbook presents a proven step-by-step process that guides the homeowner through the hurdles of foreclosure, & presents critical information about state procedures, foreclosure protection legislation, con artists, options, & much more! This is the one-stop resource that homeowners need with easy to understand facts & processes for how to maneuver through the onslaught of mail they receive, fight off foreclosure scams, & organize & prepare a plan for saving their home & credit.
Author: Alexis McGee Publisher: John Wiley & Sons ISBN: 9780470192559 Category : Business & Economics Languages : en Pages : 264
Book Description
Make Money and Help Your Community at the Same Time "This book shows you the most powerful, practical system ever discovered to make money buying pre-foreclosures. If you follow its advice, it could make you rich." --Brian Tracy, bestselling author of The Psychology of Achievement "What great content and a fresh approach to the business of foreclosure investing. Alexis has it right--believe in yourself and what you do, be open and honest with others, and work hard. You'll make a great living and enjoy life along the way." --Barbara Corcoran, founder of the Corcoran Group and bestselling author of If You Don't Have Big Breasts, Put Ribbons on Your Pigtails: And Other Lessons I Learned from My Mom "This book shares with readers the right and moral way to invest in pre-foreclosures. Author Alexis McGee shows you that you can help homeowners and make a profit. This book is a must for all real estate investors, whether you are working on your first deal or your twentieth!" --Diane Kennedy, bestselling author of Loopholes of the Rich and coauthor of The Maui Millionaires "Want to make money the honest way? Read Alexis McGee's great ideas on real estate foreclosures, and you'll have acces to a wealth of know-how, experience, and years of success. You'll learn from people who have done it--not just ideas, but stuff that works in the real world." --Ron Willingham, author of The Inner Game of Selling and Integrity Selling for the 21st Century
Author: Claire Priest Publisher: Princeton University Press ISBN: 0691241724 Category : Business & Economics Languages : en Pages : 248
Book Description
How American colonists laid the foundations of American capitalism with an economy built on credit Even before the United States became a country, laws prioritizing access to credit set colonial America apart from the rest of the world. Credit Nation examines how the drive to expand credit shaped property laws and legal institutions in the colonial and founding eras of the republic. In this major new history of early America, Claire Priest describes how the British Parliament departed from the customary ways that English law protected land and inheritance, enacting laws for the colonies that privileged creditors by defining land and slaves as commodities available to satisfy debts. Colonial governments, in turn, created local legal institutions that enabled people to further leverage their assets to obtain credit. Priest shows how loans backed with slaves as property fueled slavery from the colonial era through the Civil War, and that increased access to credit was key to the explosive growth of capitalism in nineteenth-century America. Credit Nation presents a new vision of American economic history, one where credit markets and liquidity were prioritized from the outset, where property rights and slaves became commodities for creditors' claims, and where legal institutions played a critical role in the Stamp Act crisis and other political episodes of the founding period.
Author: Shari B. Olefson
Author: Shari B. Olefson
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Author: Kojin Karatani
Author: 
Author: Philip Jenkins
Author: Carla Douglin
Author: Alexis McGee
Author: 
Author: Claire Priest
Author: Sidney D. McCormick