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According to the FBI, real estate fraud is one of the fastest growing white-collar crimes in the United States. From 2003 to 2004, reports of mortgage fraud jumped 146% and jumped another 28% from 2004 to 2005.With seven out of ten Americans owning their own homes, a huge number of people are potentially susceptible to this burgeoning crime epidemic. In Protect Yourself from Real Estate and Mortgage Fraud, real estate investors, professionals, and consumers will discover how to spot the signs of a scam and learn how to recover should they fall victim to fraud. With detailed overviews of each type of real estate fraud and compelling case studies illustrating exactly how these scams unfold, this comprehensive book will arm anyone with the necessary information to spot the warning signs, avoid becoming an unwilling victim or unwitting accomplice, and stop the con artists in their tracks.
A cutting-edge text on credit portfolio managementCredit risk. A number of market factors are causing revolutionary changes in the way it is measured and managed at financial institutions. Charles Smithson, author of the bestselling Managing Financial Risk, introduces a portfolio management approach to credit in his latest book. Understanding how to manage the inherent risks of this market has become increasingly important over the years. Credit Portfolio Management provides readers with a complete understanding of the alternative approaches to credit risk measurement and portfolio management. This definitive guide discusses the pricing and managing of credit risks associated with a variety of off-balance-sheet products such as credit default swaps, total return swaps, first-to-default baskets, and credit spread options; as well as on-balance-sheet customized structured products such as credit-linked notes, repackage notes, and synthetic collateralized debt obligations (CDOs). Filled with expert insight and advice, this book is a must-read for all credit professionals.Charles W. Smithson, PhD (New York, NY), is the Managing Partner of Rutter Associates and Executive Director of the International Association of Credit Portfolio Managers (IACPM). He is the author of five books, including The Handbook of Financial Engineering and Managing Financial Risk (now in its Third Edition).
Many Americans have viewed the S&L crisis as the ultimate example of greed's pervasiveness in our society. Yet the personalities that have dominated the news have obscured the real issues behind the worst debacle in our nation's financial history. Surveying the modern course of the thrift industry, from the Federal Home Loan Bank Act of 1932 to the current efforts at restructuring, Lawrence J. White addresses the essential questions of the S&L crisis: what happened, how it happened, why it happened, and what must be done so that it never happens again. White, who from November 1986 to August 1989 was a Board Member of the Federal Home Loan Bank Board--the government agency that regulated S&Ls and insured their deposits through the FSLIC--combines his knowledge as an insider with the insights of an economist to bring a much-needed fresh perspective on the S&L mess. He shows that, rather than the result of widespread fraud, the crisis was rooted in the highly unusual economic conditions of the early 1980s, poorly thought-out deregulatory policies, and flawed accounting practices. The S&L Debacle reveals that the banking system of the late 1970s was anachronistic. Tightly regulated thrifts were locked into portfolios of long-term mortgages and limited in the interest rates that they could pay to depositors. When interest rates soared, the thrifts experienced heavy losses. Clearly, adjustment in the industry was necessary, and the economic deregulatory policies implemented in the early 1980s were long overdue. But White points out that these policies should have been accompanied by strengthened safety-and-soundness regulations. Instead, safety-and-soundness rules were also deregulated, bringing a deadly combination of opportunities, capabilities, and incentives for risk-taking that spelled disaster for hundreds of thrifts--and ultimately for the FSLIC insurance fund and the U.S. taxpayer. White offers far-reaching recommendations for reform, such as better methods of gathering information about thrifts before they become insolvent, risk-related net worth requirements, risk-based insurance premiums--so that deposit insurance is treated more like other forms of insurance--and stronger powers of early intervention by regulators. With its comprehensive overview, incisive analysis, and clear, nontechnical language, this book is important reading for anyone hoping to understand the S&L crisis and will be an essential guide for economists and policymakers of the future.
Multimedia producer Dan Titus covers all the essential elements needed to start or operate a successful DJ business.
Every student wants Extra Credit! Extra Credit is not just another boring finance book. Youâll learn: ⢠The top 10 ways credit card companies trick you. ⢠When to use debit cards and when to use cash. ⢠What is a credit score? ⢠How to choose the right student loan. ⢠The keys to succeed in college. ⢠And much moreâ¦
It is a long-held perception that America is a nation where the government typically stays out of day-to-day business activities. Yet the U.S. federal government is in many ways the biggest and most influential financial institution in the world, with $10 trillion in federal guarantees and loans going to the private sector. Even before recent implementation of massive interventions meant to stave off financial calamity, the federal government directly or indirectly provided significantly more credit than any of the country's largest private sector banks. And, of course, the government's credit activities have recently expanded far beyond this core of traditional programs in the face of economic crisis. What does the true picture of this sector look like, and how does it affect the overall economy? Uncle Sam in Pinstripes is an accessible primer on U.S. federal lending, providing an instructive look at one of the most important interfaces between the U.S. government and its citizens as well as the transactions that result. Douglas Elliott's introductory chapter makes clear the critical importance of federal credit programs and hints at some of their complexities. The remainder of this book fills in the details Âthe how, what, why, and the ramifications Âallowing readers of all stripes to understand the history, current state, and key policy issues surrounding federal credit provision. No picture of the U.S. economy is complete without a fuller understanding of this increasingly important sector.There is considerable evidence that taxpayers are not receiving the value for money that they should. The author believes that a number of steps should be taken to increase the effectiveness and efficiency of federal credit programs. These are explained in the final chapter and include the following actions, among many others:Â Target borrowers more carefully. Â Take into account more fully the relative risk of different loans. Â Use the same budget rules for all federal credit programs. Â Use risk-based discount rates for federal budget purposes. Â Create a federal bank to administer all credit programs.
Mortgage credit derivatives are a risky business, especially of late. Written by an expert author team of UBS practitioners-Laurie Goodman, Shumin Li, Douglas Lucas, and Thomas Zimmerman-along with Frank Fabozzi of Yale University, Subprime Mortgage Credit Derivatives covers state-of-the-art instruments and strategies for managing a portfolio of mortgage credits in today's volatile climate.Divided into four parts, this book addresses a variety of important topics, including mortgage credit (non-agency, first and second lien), mortgage securitizations (alternate structures and subprime triggers), credit default swaps on mortgage securities (ABX, cash synthetic relationships, CDO credit default swaps), and much more. In addition, the authors outline the origins of the subprime crisis, showing how during the 2004-2006 period, as housing became less affordable, origination standards were stretched-and when home price appreciation then turned to home price depreciation, defaults and delinquencies rose across the board.The recent growth in subprime lending, along with a number of other industry factors, has made the demand for timely knowledge and solutions greater than ever before, and this guide contains the information financial professionals need to succeed in this challenging field.
Homeowners who can’t borrow from banks have long turned to the subprime lending industry for mortgages. Increasingly, that industry has turned on them by charging outrageous fees and usurious interest, and then taking their homes through foreclosure. Richard Lord explores the spread of predatory lending practices. And it tells the stories of borrowers who’ve been taken, contractors and brokers who’ve been co-opted, lenders who’ve cheatedâand the world’s biggest financial titans, who’ve cashed in. A battle is taking shape that could determine whether home ownership for working people will be an achievable dream or an American nightmare.Richard Lord is a writer for the Pittsburgh City Paper whose work on subprime lending has won numerous awards.
If you are reading this now, and find yourself in the all too common situation where: *You owe more on your home than what its worth, *You can no longer afford the payments on the loan(s) you have, and *You don't know what to do â¦then you can start feeling comfortable right now. Why? Because, first off: youâre not alone. Second: not knowing what to do is OK because that's the place to start. Lastly: weâd all be wise to let go of any remaining notions of shame we may be holding onto because, by now, you'd be hard pressed to find someone who hasnât been affected by the housing marketâs demise in some way. Now, the question remains: what to do about it? Well, if you are like most, then one or all of the following apply: 1) Everything you hear about loan modification, short sales and foreclosures, etc .. sounds like âdrunk sailor talkâ when all anybody has offered you to drink so far is a warm glass of water. 2) You scour the internet for helpful information and all you seem to find are forums of useless chatter & money hungry schemes that leave you no closer to where you want to be (and sometimes holding a bill). 3) All you want is for someone to explain what your best options are, in a format that could be easily understood by a 7 year old â and not make it so unnecessarily dry and boring in the process. If you can find yourself in these truths, then holding this book is the first step in what will be your eventual resolution. First off, this book is less than 100 pages. Why? Because all you need is 5.2 hours, no matter where you start or what youâre after, to get to where it is that you want to be. You need not be a lawyer to do this (nor will you need to pay for one now that youâre holding this book) and you donât need a lot of time. You just need the tools, the direction and the confidence to know that these same 4 Steps have helped thousands already. Authors Jesse Ibanez and Cherie Tiscareno have been holding the torch for homeowners in need since the market collapse a half decade ago, and have been effectively illuminating the path of âwhat to do about itâ ever since. Their work as co-founders and leaders of the Hope Against HOPE movement, a not-for-profit aligned with the interests of the thousands of distressed homeowners that theyâve helped, for free, over the years has afforded them the unique perspective of 'the homeownerâs voice' throughout this book. Theyâve selflessly traveled the state in this endeavor to bring clarity to any homeowners who were motivated enough to listen. And since 2009, theyâve given away their own heartfelt stories of foreclosure and loss in the spirit of a collective repair. Its been said, âyouâre always either being part of the growing problem or part of the growing solutionâ. This experience, alongside the cumulative best efforts from industry insiders of 'what to do about it' in their free workshops and 45 page tool kits, spawned their answer to that challenge, which eventually became the watershed event for this book. They realized that a one-hour workshop and tool kit, no matter how valuable, could only take the conversation so far. Once the workshop was over, there was a big piece missing. There was still a need to take homeowners the rest of the way, all the way to their desired outcome. And so was born this work, Fresh Start For Home Owners. We are here in service to your desired outcome. It is our humble offering that it finds you exactly where you are at and will be your trusty companion alongside your journey. Best of luck, and thank you for being part of the growing solution, one family at a time. Jesse & Cherie
It pays to be in the know about mortgages. An expanded and revised version of The Pocket Idiots Guide to Mortgages, this essential volume covers everything homebuyers and re-financers need to know. Coverage includes an overview of the application process, overcoming qualification hurdles, finding the right type of loan, when and how to refinance to save money, and much more. Contains the forms readers need as they move through the mortgage process, including a sample application, pre-qualification forms, re-finance worksheets, and mortgage payment and amortization tables Expanded, larger-format edition Features all the new, creative mortgage programs that have become popular
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