Alan Jablonski, a prominent Southern California consumer rights attorney and California mortgage broker wrote Successfully Navigating the Mortgage Maze because he was appalled by the predatory lending practices and misleading advertising rampant in mortgage industry, today. Years ago, while purchasing their home, he and his wife experienced, first hand, deceptive practices.Successfully Navigating the Mortgage Maze, a borrower's guide, presents 30 rules and a step-by-step interview process, borrowers can use to weed out dishonest lenders and brokers, ensuring they get the loan they were promised. In an easy to read format, Alan guides the borrower through the loan process, demystifying loan terminology and pointing out the traps and pitfalls in negotiating a home mortgage. Successfully Navigating the Mortgage Maze also contains resources and tools for borrowers to use to identify the true cost of their loan.Alan has incorporated the contents of this guide into a compelling live presentation. Also, for a nominal fee, his organization will review reader's loan documents, spelling out the interest rate, total fees (including hidden fees) and whether or not a loan has a prepayment penalty. To schedule a "Successfully Navigating the Mortgage Maze" seminar or have your loan documents reviewed, visit www.mortgage-maze.net.
This pathbreaking book shows how credit markets functioned in Paris, through the agency of notaries, during a critical period of French history. Its authors challenge the usual assumption that organized financial marketsâand hence the opportunity for economic growthâdid not emerge outside of England and the Netherlands until the nineteenth century. Drawing on innovative research, the authors show that as early as the Old Regime, financial intermediaries in France were mobilizing a great tide of capital and arranging thousands of loans between borrowers and lenders.The implications for historians and economists are substantial. The role of notaries operating in Paris that Priceless Markets uncovers has never before been recognized. In the wake of this pathbreaking new study, historians will also have to rethink the origins of the French Revolution. As the authors show, the crisis of 1787-88 did not simply ignite revolt; it was intimately bound up in an economic struggle that reached far back into the eighteenth century, and continued well into the 1800s.
This is the first book to address, within a common analytical framework, the numerous instruments or tools the public sector uses to carry out its objectives. Each has its own characteristics and consequences for program operations. Many problems attributed to poor management of public programs are really a consequence of the choice of tool that is made. Must reading for those who seek to understand not only how public programs work, but also how they should be designed.
This book criticizes the fact that profitability measures derived from capital market models such as the Sharpe ratio and the reward-to-VaR ratio are proposed for loan portfolios, although it is not proven whether their risk-return trade-offs are optimal for banks. The authors demonstrate that even the reward-to-VaR ratio, which is developed for valuating loan portfolios, can be highly misleading. They also show how market discipline, capital requirements, and insured deposits affect decision-making.
Newly revised and expanded for 2010 with updated material not found in earlier editions including complete coverage of the stimulus package (ARRA) - our unique electronic book on CD-ROM has an amazing collection of the finest federal documents and resources on government grants, loans, and assistance programs for individuals, non-profit groups, businesses, students everyone! It s more relevant than ever! New for 2010: a comprehensive and up-to-date CFDA Program list spreadsheet, with over 1900 programs listed by program title, program number, Agency, and specific URL! Our section on getting files and records from government agencies through the Freedom of Information Act (FOIA) and the Privacy Act has been fully updated. Save time and effort by using this comprehensive resource to find grants, disaster relief, loans, student aid, programs, or records! There is individual coverage of federal agencies and departments, along with tips and resources for grant proposal writing. Federal student aid programs are covered, with Education Department information on college loans, and the 2010 Federal Student Aid Handbook. In addition, next-generation search technology allows complete cross-file indexing and makes all files on each disc fully searchable. The depth and breadth of the coverage of federal grants, loans, and small business programs is truly awesome. AMERICAN RECOVERY AND REINVESTMENT ACT (Stimulus or Recovery Package) Complete coverage, with information on project awards, grants, plans, and much more. FEDERAL GRANTS - We go far beyond just the Catalog of Federal Domestic Assistance (CFDA), the OFFICIAL guide to federal grants, with its thousands of pages on loans, grants, surplus equipment, and training from 1941 agency and department programs worth $300 billion. (The printed CFDA is still sold by GPO, now raised to $80!) There are new programs from the Departments of Agriculture, Defense, HUD, Interior, Justice, Labor, Transportation, EPA, Energy, Nuclear Regulatory Commission, Health and Human Services, and Homeland Security. Our CD-ROM has unique sections devoted to specific agencies or topics. FOIA and Privacy Act coverage has information on contacting every government agency, guides to writing FOIA requests, FOIA law and related topics. There is specific information on all 15 types of assistance: Formula & Project Grants, Direct Payments - Unrestricted, Loans, Insurance, Sale/Exchange/Donation of Property, Goods, Use of Property, Facilities, Equipment, Advisory Services, Counseling, Technical Information, Training, Investigation of Complaints, and Federal Employment. Categories of service provided include: Agriculture, Arts, Business, Commerce, Community Development, Consumer Protection, Disaster Prevention and Relief, Education, Employment, Labor, Training, Energy, Environmental Quality, Food, Nutrition, Health, Housing, Humanities, Information, Statistics, Law/Justice/Legal Services, Natural Resources, Regional Development, Science, Technology, Social Services, Income Security, and Transportation. As the catalog itself says, "Get started today exploring the amazing world of grants and loans provided by the Federal Government!" GOVERNMENT LOANS This 2010 guide features our most detailed coverage ever of loan programs for agriculture, business, disaster relief, education, housing, and veterans, with program description, application processes, and contact information. SMALL BUSINESS ASSISTANCE - There is comprehensive information for entrepreneurs with documents, forms, and materials from the Small Business Administration and Securities and Exchange Commission: library of documents, forms, startup kit, information about loan programs and financing, laws, regulations, research reports, success stories, workbooks, and more.
Revised and updated with rates that reflect today's real estate mortgage market, this pocket-size handbook presents quick-reference number charts that eliminate the need for calculation. As such, its tables are time-savers for business students, loan officers, and buyers seeking an adjustable rate mortgage. The tables are as follows: Monthly Payments, Payment Adjustments Resulting from Interest Rate Adjustments, Borrower's Worst Case Annual Percentage Rates, Borrowers Worst Case Monthly Payments, Annual Percentage Rates for First Year, Value of Below-Market Initial Rate, Annual Loan Balance Reduction, and Worst Case Annual Percentage Rate for Convertible Adjustable Rate Mortgages.
If you have the desire and determination to make yourself a fortune by investing in real estate and mortgages, this is the book for you! It is a unique investment book! It teaches you how to make money and how to rate your performance on each investment. All of those investment ideas you have heard about, and more, come to life. A successful, seasoned practitioner takes you by the hand and guides you step by step in easy to understand language.
Top Search
Last Search
