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How Much For Housing
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Book Synopsis Why Can't You Afford a Home? by : Josh Ryan-Collins
Download or read book Why Can't You Afford a Home? written by Josh Ryan-Collins and published by John Wiley & Sons. This book was released on 2018-11-26 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: Throughout the Western world, a whole generation is being priced out of the housing market. For millions of people, particularly millennials, the basic goal of acquiring decent, affordable accommodation is a distant dream. Leading economist Josh Ryan-Collins argues that to understand this crisis, we must examine a crucial paradox at the heart of modern capitalism. The interaction of private home ownership and a lightly regulated commercial banking system leads to a feedback cycle. Unlimited credit and money flows into an inherently finite supply of property, which causes rising house prices, declining home ownership, rising inequality and debt, stagnant growth and financial instability. Radical reforms are needed to break the cycle. This engaging and topical book will be essential reading for anyone who wants to understand why they can’t find an affordable home, and what we can do about it.
Download or read book Financial Peace written by Dave Ramsey and published by Lampo. This book was released on 2002-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dave Ramsey explains those scriptural guidelines for handling money.
Book Synopsis Strong Towns by : Charles L. Marohn, Jr.
Download or read book Strong Towns written by Charles L. Marohn, Jr. and published by John Wiley & Sons. This book was released on 2019-10-01 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: A new way forward for sustainable quality of life in cities of all sizes Strong Towns: A Bottom-Up Revolution to Build American Prosperity is a book of forward-thinking ideas that breaks with modern wisdom to present a new vision of urban development in the United States. Presenting the foundational ideas of the Strong Towns movement he co-founded, Charles Marohn explains why cities of all sizes continue to struggle to meet their basic needs, and reveals the new paradigm that can solve this longstanding problem. Inside, you’ll learn why inducing growth and development has been the conventional response to urban financial struggles—and why it just doesn’t work. New development and high-risk investing don’t generate enough wealth to support itself, and cities continue to struggle. Read this book to find out how cities large and small can focus on bottom-up investments to minimize risk and maximize their ability to strengthen the community financially and improve citizens’ quality of life. Develop in-depth knowledge of the underlying logic behind the “traditional” search for never-ending urban growth Learn practical solutions for ameliorating financial struggles through low-risk investment and a grassroots focus Gain insights and tools that can stop the vicious cycle of budget shortfalls and unexpected downturns Become a part of the Strong Towns revolution by shifting the focus away from top-down growth toward rebuilding American prosperity Strong Towns acknowledges that there is a problem with the American approach to growth and shows community leaders a new way forward. The Strong Towns response is a revolution in how we assemble the places we live.
Book Synopsis Homelessness Is a Housing Problem by : Gregg Colburn
Download or read book Homelessness Is a Housing Problem written by Gregg Colburn and published by Univ of California Press. This book was released on 2022-03-15 with total page 283 pages. Available in PDF, EPUB and Kindle. Book excerpt: Using rich and detailed data, this groundbreaking book explains why homelessness has become a crisis in America and reveals the structural conditions that underlie it. In Homelessness Is a Housing Problem, Gregg Colburn and Clayton Page Aldern seek to explain the substantial regional variation in rates of homelessness in cities across the United States. In a departure from many analytical approaches, Colburn and Aldern shift their focus from the individual experiencing homelessness to the metropolitan area. Using accessible statistical analysis, they test a range of conventional beliefs about what drives the prevalence of homelessness in a given city—including mental illness, drug use, poverty, weather, generosity of public assistance, and low-income mobility—and find that none explain the regional variation observed across the country. Instead, housing market conditions, such as the cost and availability of rental housing, offer a far more convincing account. With rigor and clarity, Homelessness Is a Housing Problem explores U.S. cities' diverse experiences with housing precarity and offers policy solutions for unique regional contexts.
Book Synopsis Can I Retire Yet? by : Darrow Kirkpatrick
Download or read book Can I Retire Yet? written by Darrow Kirkpatrick and published by StructureByDesign. This book was released on 2016-05-20 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: You've worked hard, lived carefully, and saved diligently. You've reached major milestones and accumulated more assets than you dreamed possible, and yet you hesitate. ""Can I retire?"" This book will help answer that question by showing you.... The tools you need to live a secure and independent retirement, without worrying about money What you must know before leaving a career behind How much it will cost you to live in retirement, and how to manage your cash flow The current choices for retirement health care, including lesser-known but effective options The threat from inflation: two secrets that politicians and bankers will never admit A realistic assessment of the impact that income taxes will have on your retirement Social Security's role in your retirement: when you should claim and how much it's worth to you How to construct and manage an investment portfolio for income and growth in retirement About immediate annuities and why you need multiple sources of retirement income The key variables and unknowns in your retirement withdrawal equation Reviews of the best retirement calculators, and tips for how to use them accurately Beyond the simplistic 4% Rule to the latest research on safe withdrawal rates Realistic bracketing of your retirement savings needs, without over caution or overconfidence The history of economic cycles and the related asset classes for optimal retirement security A survey of strategies plus original research for how to orchestrate your retirement distributions A practical "retirement fuel gauge" alerting you to problems while you still have time to act Backup plans: the "lifeboat strategies" for ensuring you'll never be without essential income The 6 crucial questions to answer before you can retire The one, simple, powerful, non-financial reason that you can and should retire earlier than later
Book Synopsis A Guide to Impact Fees and Housing Affordability by : Arthur C. Nelson
Download or read book A Guide to Impact Fees and Housing Affordability written by Arthur C. Nelson and published by Island Press. This book was released on 2012-06-22 with total page 318 pages. Available in PDF, EPUB and Kindle. Book excerpt: Impact fees are one-time charges that are applied to new residential developments by local governments that are seeking funds to pay for the construction or expansion of public facilities, such as water and sewer systems, schools, libraries, and parks and recreation facilities. In the face of taxpayer revolts against increases in property taxes, impact fees are used increasingly by local governments throughout the U.S. to finance construction or improvement of their infrastructure. Recent estimates suggest that 60 percent of all American cities with over 25,000 residents use some form of impact fees. In California, it is estimated that 90 percent of such cities impose impact fees. For more than thirty years, impact fees have been calculated based on proportionate share of the cost of the infrastructure improvements that are to be funded by the fees. However, neither laws nor courts have ensured that fees charged to new homes are themselves proportionate. For example, the impact fee may be the same for every home in a new development, even when homes vary widely in size and selling price. Data show, however, that smaller and less costly homes have fewer people living in them and thus less impact on facilities than larger homes. This use of a flat impact fee for all residential units disproportionately affects lower-income residents. The purpose of this guidebook is to help practitioners design impact fees that are equitable. It demonstrates exactly how a fair impact fee program can be designed and implemented. In addition, it includes information on the history of impact fees, discusses alternatives to impact fees, and summarizes state legislation that can infl uence the design of local fee programs. Case studies provide useful illustrations of successful programs. This book should be the first place that planning professionals, public officials, land use lawyers, developers, homebuilders, and citizen activists turn for help in crafting (or recrafting) proportionate-share impact fee programs.
Book Synopsis The Great American Housing Bubble by : Adam J. Levitin
Download or read book The Great American Housing Bubble written by Adam J. Levitin and published by Harvard University Press. This book was released on 2020-06-09 with total page 401 pages. Available in PDF, EPUB and Kindle. Book excerpt: The definitive account of the housing bubble that caused the Great Recession—and earned Wall Street fantastic profits. The American housing bubble of the 2000s caused the worst global financial crisis since the Great Depression. In this definitive account, Adam Levitin and Susan Wachter pinpoint its source: the shift in mortgage financing from securitization by Fannie Mae and Freddie Mac to “private-label securitization” by Wall Street banks. This change set off a race to the bottom in mortgage underwriting standards, as banks competed in laxity to gain market share. The Great American Housing Bubble tells the story of the transformation of mortgage lending from a dysfunctional, local affair, featuring short-term, interest-only “bullet” loans, to a robust, national market based around the thirty-year fixed-rate mortgage, a uniquely American innovation that served as the foundation for the middle class. Levitin and Wachter show how Fannie and Freddie’s market power kept risk in check until 2003, when mortgage financing shifted sharply to private-label securitization, as lenders looked for a way to sustain lending volume following an unprecedented refinancing wave. Private-label securitization brought a return of bullet loans, which had lower initial payments—enabling borrowers to borrow more—but much greater back-loaded risks. These loans produced a vast oversupply of underpriced mortgage finance that drove up home prices unsustainably. When the bubble burst, it set off a destructive downward spiral of home prices and foreclosures. Levitin and Wachter propose a rebuild of the housing finance system that ensures the widespread availability of the thirty-year fixed-rate mortgage, while preventing underwriting competition and shifting risk away from the public to private investors.
Book Synopsis Other People's Money by : Charles V. Bagli
Download or read book Other People's Money written by Charles V. Bagli and published by Penguin. This book was released on 2014-03-25 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: A veteran New York Times reporter dissects the most spectacular failure in real estate history Real estate giant Tishman Speyer and its partner, BlackRock, lost billions of dollars when their much-vaunted purchase of Stuyvesant Town–Peter Cooper Village in New York City failed to deliver the expected profits. But how did Tishman Speyer walk away from the deal unscathed, while others took the financial hit—and MetLife scored a $3 billion profit? Illuminating the world of big real estate the way Too Big to Fail did for banks, Other People’s Money is a riveting account of politics, high finance, and the hubris that ultimately led to the nationwide real estate meltdown.
Book Synopsis The Automatic Millionaire by : David Bach
Download or read book The Automatic Millionaire written by David Bach and published by Penguin UK. This book was released on 2005-04-28 with total page 111 pages. Available in PDF, EPUB and Kindle. Book excerpt: Making your money work for you ... automatically In The Automatic Millionaire David Bach unlocks the secret to getting rich. Cutting through the jargon, it's full of common-sense advice and practical strategies to help you take control of your finances. The step-by-step guide and no-budget, no-discipline, no-nonsense system makes reaching financial security amazingly simple and easy, no matter what your income. You can get rid of the debt that's holding you down. You can get on top of your day-to-day expenses. You can create a safety net that will protect you from life's unknowns. You can have the money to get the things you want. You can build a seven-figure nest egg that will keep you secure and comfortable for the rest of your life. This book has the power to secure your financial future and change your life. All you have to do is follow the one-step programme - the rest is automatic!
Download or read book Fixer-Upper written by Jenny Schuetz and published by Brookings Institution Press. This book was released on 2022-02-22 with total page 119 pages. Available in PDF, EPUB and Kindle. Book excerpt: Practical ideas to provide affordable housing to more Americans Much ink has been spilled in recent years talking about political divides and inequality in the United States. But these discussions too often miss one of the most important factors in the divisions among Americans: the fundamentally unequal nature of the nation’s housing systems. Financially well-off Americans can afford comfortable, stable homes in desirable communities. Millions of other Americans cannot. And this divide deepens other inequalities. Increasingly, important life outcomes—performance in school, employment, even life expectancy—are determined by where people live and the quality of homes they live in. Unequal housing systems didn’t just emerge from natural economic and social forces. Public policies enacted by federal, state, and local governments helped create and reinforce the bad housing outcomes endured by too many people. Taxes, zoning, institutional discrimination, and the location and quality of schools, roads, public transit, and other public services are among the policies that created inequalities in the nation’s housing patterns. Fixer-Upper is the first book assessing how the broad set of local, state, and national housing policies affect people and communities. It does more than describe how yesterday’s policies led to today’s problems. It proposes practical policy changes than can make stable, decent-quality housing more available and affordable for all Americans in all communities. Fixing systemic problems that arose over decades won’t be easy, in large part because millions of middle-class Americans benefit from the current system and feel threatened by potential changes. But Fixer-Upper suggests ideas for building political coalitions among diverse groups that share common interests in putting better housing within reach for more Americans, building a more equitable and healthy country.
Download or read book Golden Gates written by Conor Dougherty and published by Penguin. This book was released on 2020-02-18 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Time 100 Must-Read Book of 2020 • A New York Times Book Review Editors' Choice • California Book Award Silver Medal in Nonfiction • Finalist for The New York Public Library Helen Bernstein Book Award for Excellence in Journalism • Named a top 30 must-read Book of 2020 by the New York Post • Named one of the 10 Best Business Books of 2020 by Fortune • Named A Must-Read Book of 2020 by Apartment Therapy • Runner-Up General Nonfiction: San Francisco Book Festival • A Planetizen Top Urban Planning Book of 2020 • Shortlisted for the Goddard Riverside Stephan Russo Book Prize for Social Justice “Tells the story of housing in all its complexity.” —NPR Spacious and affordable homes used to be the hallmark of American prosperity. Today, however, punishing rents and the increasingly prohibitive cost of ownership have turned housing into the foremost symbol of inequality and an economy gone wrong. Nowhere is this more visible than in the San Francisco Bay Area, where fleets of private buses ferry software engineers past the tarp-and-plywood shanties of the homeless. The adage that California is a glimpse of the nation’s future has become a cautionary tale. With propulsive storytelling and ground-level reporting, New York Times journalist Conor Dougherty chronicles America’s housing crisis from its West Coast epicenter, peeling back the decades of history and economic forces that brought us here and taking readers inside the activist movements that have risen in tandem with housing costs.
Book Synopsis Encyclopedia of Quality of Life and Well-Being Research by : Alex C. Michalos
Download or read book Encyclopedia of Quality of Life and Well-Being Research written by Alex C. Michalos and published by Springer. This book was released on 2014-02-12 with total page 7347 pages. Available in PDF, EPUB and Kindle. Book excerpt: The aim of this encyclopedia is to provide a comprehensive reference work on scientific and other scholarly research on the quality of life, including health-related quality of life research or also called patient-reported outcomes research. Since the 1960s two overlapping but fairly distinct research communities and traditions have developed concerning ideas about the quality of life, individually and collectively, one with a fairly narrow focus on health-related issues and one with a quite broad focus. In many ways, the central issues of these fields have roots extending to the observations and speculations of ancient philosophers, creating a continuous exploration by diverse explorers in diverse historic and cultural circumstances over several centuries of the qualities of human existence. What we have not had so far is a single, multidimensional reference work connecting the most salient and important contributions to the relevant fields. Entries are organized alphabetically and cover basic concepts, relatively well established facts, lawlike and causal relations, theories, methods, standardized tests, biographic entries on significant figures, organizational profiles, indicators and indexes of qualities of individuals and of communities of diverse sizes, including rural areas, towns, cities, counties, provinces, states, regions, countries and groups of countries.
Book Synopsis A Wealth of Common Sense by : Ben Carlson
Download or read book A Wealth of Common Sense written by Ben Carlson and published by John Wiley & Sons. This book was released on 2015-06-22 with total page 231 pages. Available in PDF, EPUB and Kindle. Book excerpt: A simple guide to a smarter strategy for the individual investor A Wealth of Common Sense sheds a refreshing light on investing, and shows you how a simplicity-based framework can lead to better investment decisions. The financial market is a complex system, but that doesn't mean it requires a complex strategy; in fact, this false premise is the driving force behind many investors' market "mistakes." Information is important, but understanding and perspective are the keys to better decision-making. This book describes the proper way to view the markets and your portfolio, and show you the simple strategies that make investing more profitable, less confusing, and less time-consuming. Without the burden of short-term performance benchmarks, individual investors have the advantage of focusing on the long view, and the freedom to construct the kind of portfolio that will serve their investment goals best. This book proves how complex strategies essentially waste these advantages, and provides an alternative game plan for those ready to simplify. Complexity is often used as a mechanism for talking investors into unnecessary purchases, when all most need is a deeper understanding of conventional options. This book explains which issues you actually should pay attention to, and which ones are simply used for an illusion of intelligence and control. Keep up with—or beat—professional money managers Exploit stock market volatility to your utmost advantage Learn where advisors and consultants fit into smart strategy Build a portfolio that makes sense for your particular situation You don't have to outsmart the market if you can simply outperform it. Cut through the confusion and noise and focus on what actually matters. A Wealth of Common Sense clears the air, and gives you the insight you need to become a smarter, more successful investor.
Download or read book EntreLeadership written by Dave Ramsey and published by Simon and Schuster. This book was released on 2011-09-20 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the New York Times bestselling author of The Total Money Makeover and radio and podcast host Dave Ramsey comes an informative guide based on how he grew a successful, multimillion dollar company from a card table in his living room. Your company is only as strong as your leaders. These are the men and women doing battle daily beneath the banner that is your brand. Are they courageous or indecisive? Are they serving a motivated team or managing employees? Are they valued? Your team will never grow beyond you, so here’s another question to consider—are you growing? Whether you’re sitting at the CEO’s desk, the middle manager’s cubicle, or a card table in your living-room-based start-up, EntreLeadership provides the practical, step-by-step guidance to grow your business where you want it to go. Dave Ramsey opens up his championship playbook for business to show you how to: -Inspire your team to take ownership and love what they do -Unify your team and get rid of all gossip -Handle money to set your business up for success -Reach every goal you set -And much, much more! EntreLeadership is a one-stop guide filled with accessible advice for businesses and leaders to ensure success even through the toughest of times.
Download or read book House of Debt written by Atif Mian and published by University of Chicago Press. This book was released on 2015-05-20 with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A concise and powerful account of how the great recession happened and what should be done to avoid another one . . . well-argued and consistently informative.” —Wall Street Journal The Great American Recession of 2007-2009 resulted in the loss of eight million jobs and the loss of four million homes to foreclosures. Is it a coincidence that the United States witnessed a dramatic rise in household debt in the years before the recession—that the total amount of debt for American households doubled between 2000 and 2007 to $14 trillion? Definitely not. Armed with clear and powerful evidence, Atif Mian and Amir Sufi reveal in House of Debt how the Great Recession and Great Depression, as well as less dramatic periods of economic malaise, were caused by a large run-up in household debt followed by a significantly large drop in household spending. Though the banking crisis captured the public’s attention, Mian and Sufi argue strongly with actual data that current policy is too heavily biased toward protecting banks and creditors. Increasing the flow of credit, they show, is disastrously counterproductive when the fundamental problem is too much debt. As their research shows, excessive household debt leads to foreclosures, causing individuals to spend less and save more. Less spending means less demand for goods, followed by declines in production and huge job losses. How do we end such a cycle? With a direct attack on debt, say Mian and Sufi. We can be rid of painful bubble-and-bust episodes only if the financial system moves away from its reliance on inflexible debt contracts. As an example, they propose new mortgage contracts that are built on the principle of risk-sharing, a concept that would have prevented the housing bubble from emerging in the first place. Thoroughly grounded in compelling economic evidence, House of Debt offers convincing answers to some of the most important questions facing today’s economy: Why do severe recessions happen? Could we have prevented the Great Recession and its consequences? And what actions are needed to prevent such crises going forward?
Book Synopsis Income Averaging by : United States. Internal Revenue Service
Download or read book Income Averaging written by United States. Internal Revenue Service and published by . This book was released on 1985 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book House Hacking written by Ben Leybovich and published by . This book was released on 2017-07-16 with total page 227 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Ben has laid out exactly what works in today''s market!" -Brandon Turner LUXURY house hacking! Upgrade your lifestyle while reducing costs. AirBnB, vacation rentals, and a luxury primary home. Who is this Book For? Having involved myself with House Hacking I realized that this strategy represents a phenomenal solution for many folks. In fact there are at least 3 groups for whom this book will pave the way toward success! First of all, I have to tell you (and this is based on 10 years of real estate investing experience) that a properly executed house hack is absolutely the most brilliant investment opportunities. This has to be the easiest CASH FLOW I''ve ever created (and it''s substantial). If you''ve been studying real estate investing but haven''t been able to find a way into the game - this is it! Now, let''s say that you happen to live in a very expensive market, and have been priced out of owning a home - this book will teach you how to become a homeowner. Yes, you''ll need to learn some things. Yes, you''ll need to do a bit of work, because not just any house will work. But, you can own a home for less than you thought because a properly structure House Hack will underwrite your cost! Or... Let''s say you are quite comfortable where you are. But you happen to have elderly parents who are struggling and it is necessary for you to relocate closer to them. The only problem is that homes are very expensive where they live, and you are not sure how to swing the cost of living. House Hacking - DONE! Or, you are like me, and decide one day that you are tired of living in Ohio and want to relocate someplace where the skies are always blue and palm trees are always pretty. You (like I) want to 10X your life. However, in a market like this property can be expected to be more expensive and you are concerned about cost of living. How to cope? Indeed, a proper house hack allows me to achieve locational freedom! A House Hack is a powerful formula capable of creating solutions for a wide variety is life circumstances. And in this book I will teach you how to do it right! And, remember -- I am doing this as we speak. So, all of the numbers are real-time, and all of the methods discussed are viable in today''s market. What Will You Learn in this Book? You will learn how to pick the right location and the right property for your house hack. You will learn the step-by-step process of doing the math, financing, marketing, and running your house hack for most profit. Everything you need to know to do what I do is here! What is a house hack and how can I make money with it? Can house hacking pay for my primary-home mortgage? Should I buy an investment property or should I house sack? A House Hacking Case Study--How I am living in an upscale home for (almost) free How do I choose the best location, neighborhood, and house to house hack? How much money can I make house hacking and does it pay my primary mortgage? How do I rehab and market my house hack for the most profit? How much time does it take to run a vacation rental house hack? Is AirBnB, or HomeAway, or VRBO better for vacation-rental house hacking? How do I handle safety and privacy when house hacking? Will my mortgage allow me to rent out part of my property? What taxes do I have to pay with house hacking? What are the regulations on house hacking? How do I set prices on AirBnB and other sites? And much more... Why now is the time to read this book... Everyone talks about real estate as if the choice of what we do, when, and how is entirely up to us. But that''s not true. In today''s challenging (hot) market, traditional investing advice doesn''t work. House hacking has the best financing opportunities, the easiest management overhead, and the most immediate return on investment.
