Land and the Mortgage: History, Culture, Belonging, Rodima-Taylor Daivi, Shipton Parker
Автор: Domurath Irina Название: Consumer Vulnerability and Welfare in Mortgage Contracts ISBN: 1509913394 ISBN-13(EAN): 9781509913398 Издательство: Bloomsbury Academic Рейтинг: Цена: 95040.00 T Наличие на складе: Есть у поставщика Поставка под заказ. Описание: This book advocates a new way of thinking about mortgage contracts. This claim is based on the assumption that we currently live in a political economy in which consumer debt fulfils a social function. In the field of housing this is evidenced by the expansion of mortgage credit through which consumers are to purchase residential property as a means of social inclusion and personal welfare. It is suggested that contract law needs to adjust to this new social function in order to avoid welfare losses in terms of default, over-indebtedness, and possibly eviction. To this end, this book analyses theoretical contract law frameworks and makes concrete proposals for contract law in the EU legal order.
Автор: Irina Domurath Название: Consumer Vulnerability and Welfare in Mortgage Contracts ISBN: 1509936939 ISBN-13(EAN): 9781509936939 Издательство: Bloomsbury Academic Рейтинг: Цена: 36950.00 T Наличие на складе: Есть у поставщика Поставка под заказ. Описание: This book advocates a new way of thinking about mortgage contracts. This claim is based on the assumption that we currently live in a political economy in which consumer debt fulfils a social function. In the field of housing this is evidenced by the expansion of mortgage credit through which consumers are to purchase residential property as a means of social inclusion and personal welfare. It is suggested that contract law needs to adjust to this new social function in order to avoid welfare losses in terms of default, over-indebtedness, and possibly eviction. To this end, this book analyses theoretical contract law frameworks and makes concrete proposals for contract law in the EU legal order.
Автор: Herold Thomas Название: Mortgage Terms - Financial Education Is Your Best Investment ISBN: 1087870054 ISBN-13(EAN): 9781087870052 Издательство: Неизвестно Рейтинг: Цена: 16510.00 T 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: 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: 32340.00 T 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: Immergluck Daniel Название: Preventing the Next Mortgage Crisis: The Meltdown, the Federal Response, and the Future of Housing in America ISBN: 1442253134 ISBN-13(EAN): 9781442253131 Издательство: Rowman & Littlefield Publishers Рейтинг: Цена: 60550.00 T Наличие на складе: Есть у поставщика Поставка под заказ. Описание: Dan Immergluck examines the causes and consequences of the great U.S. mortgage crisis, identifying the factors that created the fragile housing finance system, which provided fertile ground for calamity, and providing a pathway forward into a more stable housing system.
Автор: Paul I Patterson, Maria L Hayes Название: Real Estate Appraisals: Oversight & Improvement Opportunities ISBN: 1622577159 ISBN-13(EAN): 9781622577156 Издательство: Nova Science Рейтинг: Цена: 149940.00 T Наличие на складе: Невозможна поставка. Описание: The critical introduction to this Broadview Edition gives particular emphasis to Wells`s hostility towards religion as well as his thorough knowledge of the Darwinian thought of his time. Appendices provide passages from Darwin and Huxley related to Wells`s early writing; in addition, excerpts from other writers illustrate late-nineteenth-century anxieties about social degeneration.
Автор: Meghan Galloway, Richard Kantor Название: Reverse Mortgages: Elements, Considerations & Market Developments ISBN: 1622579658 ISBN-13(EAN): 9781622579655 Издательство: Nova Science Рейтинг: Цена: 290390.00 T Наличие на складе: Невозможна поставка. Описание: A reverse mortgage is a special type of home loan for older homeowners that requires no monthly mortgage payments. Borrowers are still responsible for property taxes and homeowners insurance. Reverse mortgages allow seniors to access the equity they have built up in their homes now, and defer payments of the loan until they die, sell, or move out of the home. The original purpose envisioned for reverse mortgages was to convert home equity into cash that borrowers could use to help meet expenses in retirement. Borrowers could choose between an income stream for everyday expenses, a line of credit for major expenses (such as home repairs and medical expenses), or a combination of the two. This book examines the changes that have taken place in the marketplace and in the consumers who use reverse mortgages, with a focus on consumer protection concerns.
Автор: Wachter Susan M., Tracy Joseph Название: Principles of Housing Finance Reform ISBN: 0812248627 ISBN-13(EAN): 9780812248623 Издательство: Mare Nostrum (Eurospan) Рейтинг: Цена: 62660.00 T Наличие на складе: Есть у поставщика Поставка под заказ. Описание:
In the fall of 2008, the world watched in horror as the U.S. housing finance system shattered, triggering a global financial panic and ultimately the Great Recession. Now, nearly a decade later, the long and slow housing recovery has reached a critical moment. Though the housing finance system has stabilized, it remains in the hands of the federal government, leaving taxpayers exposed to the credit risk while private funding remains mostly on the sidelines. Principles of Housing Finance Reform identifies the changes necessary to modernize the housing finance system, identifying guiding principles that should underlie a rebuilt system. Contributors to the volume set out a wealth of innovative solutions that are possible within this framework, presenting proposals for long-term structural reforms that would infuse new life into the U.S. housing finance system while enhancing long-term stability. Nearly a decade after the inception of the Great Recession, reform proposals have arisen across the political spectrum. This is a moment of opportunity for rebuilding a key sector of the U.S. economy. The research in this volume represents the best thinking of policy researchers and economic experts on the challenges that lie ahead and provides a roadmap for reforms to create a system characterized by liquidity, stability, access, and sustainability. Contributors: W. Scott Frame, Meghan Grant, John Griffith, Diana Hancock, Stephanie Heller, Akash Kanojia, Patricia C. Mosser, Kevin A. Park, Wayne Passmore, Roberto G. Quercia, David Scharfstein, Phillip Swagel, Joseph Tracy, Susan M. Wachter, Dale A. Whitman, Mark A. Willis, Joshua Wright.
Автор: Rose Butler Название: Class, Culture and Belonging in Rural Childhoods ISBN: 9811345686 ISBN-13(EAN): 9789811345685 Издательство: Springer Рейтинг: Цена: 46570.00 T Наличие на складе: Есть у поставщика Поставка под заказ. Описание: This book explores how rural children negotiate economic insecurity and difference. Based on long-term ethnographic research in rural Australia, it shows that children draw on class-based ideas of moral worth, anchored in racialised and gendered understandings, to negotiate financial hardship and insecurity. Through close observations in the classroom, school yard and the home, and interviews with diverse young people, their parents and teachers, Class, Culture and Belonging in Rural Childhoods takes us deep into children’s everyday struggles and their efforts to manage insecurity and belonging within a polarised economic landscape. This book offers compelling new analysis of children’s experiences at a time of rapid and far-reaching change in rural communities and the world at large. This unique and engaging ethnography of rural Australia makes an important and timely contribution to wider understandings of how children navigate the precarious circumstances of the present.
Автор: Annie Zaidi Название: Bread, Cement, Cactus: A Memoir of Belonging and Dislocation ISBN: 1108840647 ISBN-13(EAN): 9781108840644 Издательство: Cambridge Academ Рейтинг: Цена: 58080.00 T Наличие на складе: Поставка под заказ. Описание: In this prize-winning exploration of the meaning of home, Annie Zaidi reflects on the cultural conflicts in India that have shaped her identity. Zaidi provides a nuanced perspective on land and regional affinity, migration and otherisation, and the ways in which memory works to attach us to a particular place.
Автор: Pamela E. Klassen, Monique Scheer Название: The Public Work of Christmas: Difference and Belonging in Multicultural Societies ISBN: 0773556788 ISBN-13(EAN): 9780773556782 Издательство: Mare Nostrum (Eurospan) Рейтинг: Цена: 117040.00 T Наличие на складе: Невозможна поставка. Описание: Christmas is not a holiday just for Christians anymore, if it ever was. Embedded in calendars around the world and long a lucrative merchandising opportunity, Christmas enters multicultural, multi-religious public spaces, provoking both festivity and controversy, hospitality and hostility. The Public Work of Christmas provides a comparative historical and ethnographic perspective on the politics of Christmas in multicultural contexts ranging from a Jewish museum in Berlin to a shopping boulevard in Singapore. A seasonal celebration that is at once inclusive and assimilatory, Christmas offers a clarifying lens for considering the historical and ongoing intersections of multiculturalism, Christianity, and the nationalizing and racializing of religion. The essays gathered here examine how cathedrals, banquets, and carols serve as infrastructures of memory that hold up Christmas as a civic, yet unavoidably Christian holiday. At the same time, the authors show how the public work of Christmas depends on cultural forms that mark, mask, and resist the ongoing power of Christianity in the lives of Christians and non-Christians alike. Legislated into paid holidays and commodified into marketplaces, Christmas has arguably become more cultural than religious, making ever wider both its audience and the pool of workers who make it happen every year. The Public Work of Christmas articulates a fresh reading of Christmas – as fantasy, ethos, consumable product, site of memory, and terrain for the revival of exclusionary visions of nation and whiteness – at a time of renewed attention to the fragility of belonging in diverse societies. Contributors include Herman Bausinger (T?bingen), Marion Bowman (Open), Juliane Brauer (MPI Berlin), Simon Coleman (Toronto), Yaniv Feller (Wesleyan), Christian Marchetti (T?bingen), Helen Mo (Toronto), Katja Rakow (Utrecht), Sophie Reimers (Berlin), Tiina Sepp (Tartu), and Isaac Weiner (Ohio State).
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