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Is Housing Wealth An Atm
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Book Synopsis Is Housing Wealth an "ATM"? by : Vladimir Klyuev
Download or read book Is Housing Wealth an "ATM"? written by Vladimir Klyuev and published by . This book was released on 2006 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the role increasing personal wealth and home equity withdrawal (HEW) have had in the decline in the personal saving rate in the United States. It does so by comparing the U.S. experience with those of Australia, Canada, and the United Kingdom. Mortgage market liberalization and innovation should reduce household cash flow and collateral constraints while making housing wealth more liquid as HEW becomes easier over time. Regression analysis indicates the expected negative relationship between U.S. saving and net worth, with a somewhat smaller coefficient than in previous studies. HEW is estimated to have a temporary negative impact on saving of the order of 20 cents on the dollar.
Book Synopsis IMF Working Papers by : Vladimir Klyuev
Download or read book IMF Working Papers written by Vladimir Klyuev and published by . This book was released on 2006 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Housing Wealth written by Don Graves and published by Housing Wealth Institute. This book was released on 2018-02-27 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the current retirement income crisis facing baby boomers and existing retirees, today's asset mangers, insurance agents and hybrid advisors need every viable resource to help their clients and sustain their practice. In Housing Wealth, American College instructor and reverse mortgage expert, Don Graves, distills more than 20,000 advisor/client engagements over two decades into practical, back-of-the-napkin, common sense strategies. Through simple case studies and easily applied concepts, the advisor will learn how today's reverse mortgage can: Increase Clients' Cash Flow and Preserve Assets from Premature Erosion Reduce the Most Common Risks to Retirement Income Optimize Retirement Outcomes for the Mass Affluent Improve Liquidity and Add New Dollars to Retirement Savings Help Advisors Create More Planning Opportunities from Existing Clients and Gain Access to New Ones Manage Tax Brackets and Keep Clients within Lower Adjusted Gross Income Boundaries Housing Wealth serves as the companion guide for The Certified Housing Wealth Advisor (CHWA) Curriculum. Learn more at www.HousingWealthInstitute.com
Book Synopsis The Blackwell Companion to the Economics of Housing by : Susan J. Smith
Download or read book The Blackwell Companion to the Economics of Housing written by Susan J. Smith and published by John Wiley & Sons. This book was released on 2010-01-22 with total page 648 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Blackwell Companion to the Economics of Housing willhelp students and professionals alike to explore key elements ofthe housing economy: home prices, housing wealth, mortgage debt,and financial risk. Features 24 original essays, including an editorialintroduction and three section overviews Includes 39 world-class authors from a mix of educational andfinancial organizations in the UK, Europe, Australia, and NorthAmerica Broadly-based, scholarly, and accessible, serving students andprofessionals who wish to understand how today’s housingeconomy works Profiles the role and relevance of housing wealth; themismanagement of mortgage debt; and the pitfalls and potential ofhedging housing risk Key topics include: the housing price bubble and crash; thesubprime mortgage crisis in the US and its aftermath; the linksbetween housing wealth, the macroeconomy, and the welfare ofhome-occupiers; the mitigation of credit and housing investmentrisks Specific case studies help to illustrate concepts, along withnew data sets and analyses to illustrate empirical points
Book Synopsis The Retiree's Guide to Housing Wealth by : Don Graves
Download or read book The Retiree's Guide to Housing Wealth written by Don Graves and published by Housing Wealth Institute. This book was released on 2019-03-27 with total page 138 pages. Available in PDF, EPUB and Kindle. Book excerpt: Savvy retirees are realizing that to thrive in the area of retirement finances, a clear understanding of all their options is required, and preparation is key for formulating the best strategy. By reading this book, you will be taking a big step towards equipping yourself with the knowledge you deserve in order to achieve the retirement you desire. As you already know, retirement is longer and more unpredictable than ever before, and every viable resource is needed to meet financial goals and sleep peacefully at night. One such resource is the newly restructured reverse mortgage. Historically, retirees have dismissed the reverse mortgage or relegated it to use as a last resort. However, following recent program restructuring, a growing number of retirees with significant savings are incorporating reverse mortgages into their retirement plans. In this book, I'll break down how the reverse mortgage has changed and why it can play a key role in retirement. We will explore real-life case studies and practical ways to incorporate it-all in easy to understand, straightforward language. I'll highlight the many ways reverse mortgages can help: Eliminate Monthly Mortgage Payments Increase Cash Flow and Preserve Savings Reduce the Most Common Risks to Retirement Ensure Access to a Reserve Pool of Money Add New Dollars to Retirement Savings Protect Against Inflation, Declining Property Values, and Unexpected Expenses Manage Tax Brackets and Bridge Monthly Income Gaps Plus Many More Benefits! The reverse mortgage may not be the best strategy for you, but I believe every retiree deserves to have a basic knowledge of how it works, in order to decide for yourself if one is right for you, or simply to factor it out of your retirement equation. By the end of the book, you'll have a clearer understanding of your options and will be prepared to have open conversations with your adult children and loved ones, knowing all the facts. You'll be equipped with up-to-date information that enables you to make informed decisions for your financial future and security. Written by Don Graves, RICP(R), CLTC(R), CSA, a skilled reverse mortgage specialist with 20+ years of experience in the industry. Don Graves, RICP(R), CLTC(R), CSA is president of the Housing Wealth Institute, best-selling author and adjunct instructor at the American College of Financial Services. He is one of the nation's leading educators on incorporating housing wealth into retirement income planning. Don has been quoted in Forbes Magazine, featured on PBS, and is a sought-after professional speaker whose workshops are helping retirees determine if the reverse mortgage is right for them.
Book Synopsis The Microstructures of Housing Markets by : Susan J. Smith
Download or read book The Microstructures of Housing Markets written by Susan J. Smith and published by Routledge. This book was released on 2013-10-31 with total page 217 pages. Available in PDF, EPUB and Kindle. Book excerpt: House prices and mortgage debt have moved to centre stage in the management of national economies, regional development and neighbourhood change. Describing, analysing and understanding how housing markets work within and across these scales of economy and society has never been more urgent. But much more is known about the macro-scales than the microstructures; and about the economic rather than social drivers of housing market dynamics. This book redresses the balance. It shows that housing markets are social, cultural and psychological – as well as economic – affairs. This multidisciplinary approach is helpful in understanding the economic staples of supply, demand, price and information. It also casts new light on the emotional and political economy of markets.
Book Synopsis Housing and Home Unbound by : Nicole Cook
Download or read book Housing and Home Unbound written by Nicole Cook and published by Routledge. This book was released on 2016-05-05 with total page 255 pages. Available in PDF, EPUB and Kindle. Book excerpt: Housing and Home Unbound pioneers understandings of housing and home as a meeting ground in which intensive practices, materials and meanings tangle with extensive economic, environmental and political worlds. Cutting across disciplines, the book opens up the conceptual and empirical study of housing and home by exploring the coproduction of the concrete and the abstract, the intimate and the institutional, the experiential and the collective. Exploring diverse examples in Australia and New Zealand, contributors address the interleaving of money and materials in the digital commodity of real estate, the neoliberal invention of housing as a liquid asset and source of welfare provision, and the bundling of car and home in housing markets. The more-than-human relations of housing and home are articulated through the role of suburban nature in the making of Australian modernity, the marketing of nature in waterfront urban renewal, the role of domestic territory in subversive social movements such as Seasteading and Tiny Houses, and the search for home comfort through low-cost energy efficiency practices. The transformative politics of housing and home are explored through the decolonizing of housing tenure, the shaping of housing policy by urban social movements, the lived importance of marginal spaces in Indigenous and other housing, and the affective lessons of the ruin. Beginning with the diverse elements gathered together in housing and home, the text opens up the complex realities and possibilities of human dwelling.
Download or read book Journal of Housing Research written by and published by . This book was released on 2006 with total page 1430 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Housing Market Challenges in Europe and the United States by : P. Arestis
Download or read book Housing Market Challenges in Europe and the United States written by P. Arestis and published by Springer. This book was released on 2009-11-18 with total page 269 pages. Available in PDF, EPUB and Kindle. Book excerpt: Housing finance structures and Institutional and regulatory/fiscal aspects in housing have changed significantly in recent years. This book examines the development in housing markets in Europe and the US, and looks at ways to make housing more affordable and housing market developments more stable.
Book Synopsis International Encyclopedia of Housing and Home by :
Download or read book International Encyclopedia of Housing and Home written by and published by Elsevier. This book was released on 2012-10-09 with total page 3870 pages. Available in PDF, EPUB and Kindle. Book excerpt: Available online via SciVerse ScienceDirect, or in print for a limited time only, The International Encyclopedia of Housing and Home, Seven Volume Set is the first international reference work for housing scholars and professionals, that uses studies in economics and finance, psychology, social policy, sociology, anthropology, geography, architecture, law, and other disciplines to create an international portrait of housing in all its facets: from meanings of home at the microscale, to impacts on macro-economy. This comprehensive work is edited by distinguished housing expert Susan J. Smith, together with Marja Elsinga, Ong Seow Eng, Lorna Fox O'Mahony and Susan Wachter, and a multi-disciplinary editorial team of 20 world-class scholars in all. Working at the cutting edge of their subject, liaising with an expert editorial advisory board, and engaging with policy-makers and professionals, the editors have worked for almost five years to secure the quality, reach, relevance and coherence of this work. A broad and inclusive table of contents signals (or tesitifes to) detailed investigation of historical and theoretical material as well as in-depth analysis of current issues. This seven-volume set contains over 500 entries, listed alphabetically, but grouped into seven thematic sections including methods and approaches; economics and finance; environments; home and homelessness; institutions; policy; and welfare and well-being. Housing professionals, both academics and practitioners, will find The International Encyclopedia of Housing and Home useful for teaching, discovery, and research needs. International in scope, engaging with trends in every world region The editorial board and contributors are drawn from a wide constituency, collating expertise from academics, policy makers, professionals and practitioners, and from every key center for housing research Every entry stands alone on its merits and is accessed alphabetically, yet each is fully cross-referenced, and attached to one of seven thematic categories whose ‘wholes' far exceed the sum of their parts
Book Synopsis Risk in the Global Real Estate Market by : Mike C. I. Nwogugu
Download or read book Risk in the Global Real Estate Market written by Mike C. I. Nwogugu and published by John Wiley & Sons. This book was released on 2012-01-26 with total page 299 pages. Available in PDF, EPUB and Kindle. Book excerpt: Essential reading for professional investors, risk managers, regulators, central bankers, and real estate professionals, Risk in the Global Real Estate Market: International Risk Regulation, Mechanism Design, Foreclosures, Title Systems, and REITs takes an international look at the ways in which U.S.-style constitutional laws, financial laws, and real estate laws in various countries affect global economics and risk; and analyzes specific constraints that deter market development such as Asset Liability Matching, inappropriate financial products, land title systems, inefficient constitutions and human biases. The sub-prime mortgage crisis (that began around 2006) and the Global Financial Crisis of 2007–2010 disrupted the economies of various countries and exposed many of the psychological, social, and economic problems inherent in the legal/risk infrastructure for mortgages, land title systems, REITs, securitization, and pensions. In this remarkable new book, Michael Nwogugu explains how these processes and statutes are unconstitutional and inefficient, and how they influence demand for housing, real estate prices, retirement savings, household wealth, consumer disposable income, marriage opportunities, job markets, crime, and regional economic growth. The resulting major economic and public health problems have continued to reduce the quality-of-life of nations, and continue to cause permanent declines in wealth, increases in crime and delinquency, high divorce rates, depression, and inadequate job creation, among other problems. The book examines a range of fields—including mechanism design, psychology, risk finance, and corporate governance; and emphasizes Constitutional economics as a distinct dimension of risk analysis. Risk in the Global Real Estate Market makes a compelling case about how constitutional torts increase information asymmetry, transaction costs, agency problems, and compliance costs, as well as inefficiency in real estate transactions. These problems, the book argues, are not unique to the United States, but also affect Commonwealth countries and other nations that have developed regulations that are similar to, or are based on U.S. commercial, securities, and or constitutional laws. Risk in the Global Real Estate Market presents a novel analysis of the sub-prime crisis (that first began in 2006), the failure of securitization (CMBS/MBS) markets, the Global Financial Crisis, and socio-economic problems caused by traditional mortgages and securitization. The book reveals that many of the statutes and processes that define mortgages, foreclosures, securitization, and REITs in the United States (and many common-law countries and nations that have adopted American-style real estate regulations) are fundamentally unconstitutional and inefficient, and have lasting negative effects on consumer psychology, the demand for real estate, price discovery in property markets, economic growth, and quality of life. The book examines the nature of constitutional torts and property rights as the foundation for business transactions and economic growth within the context of risk regulation, interstate commerce, takings, and legislation. Risk in the Global Real Estate Market introduces new theories of consumer psychology and institutional dynamics in real estate transactions; presents new theories of takings, and also surveys psychology/psychiatry studies (based on data from various countries) that confirm the harmful effects of mortgages, securitization, and foreclosures. Using elements of mechanism design, Michael Nwogugu develops new efficient financial products (Mortgage-Alternatives products), and presents a policy framework for a unified “Mortgage-Alternatives” market for the CEE/CIS region and China. He also explains why Asset Liability Matching hinders lending, capital formation and risk management, especially in developing countries.
Book Synopsis Domestic fortress by : Rowland Atkinson
Download or read book Domestic fortress written by Rowland Atkinson and published by Manchester University Press. This book was released on 2016-11-04 with total page 201 pages. Available in PDF, EPUB and Kindle. Book excerpt: Today's home is a kind of fortress that tells us as much about our need for privacy as it does about ensuring our security. Fortress homes, gated communities and elaborate defensive systems have become everyday features of urban life, highlighting the depth of fear as well as the desire for prestige and social display and the ideological strength of home ownership. This book offers a fresh analysis of our homes, our demands for security and anxieties about invasion, loss and finding seclusion in a worrying and divided world. Using a rich range of sources from cutting-edge research to media accounts, the book considers the fantasies and realities of dangers to the contemporary home and its inhabitants, and details the extreme measures now used in the pursuit of total safety.
Author :International Monetary Fund. Research Dept. Publisher :International Monetary Fund ISBN 13 :1589066510 Total Pages :212 pages Book Rating :4.5/5 (89 download)
Book Synopsis IMF Staff Papers, Volume 54, No. 3 by : International Monetary Fund. Research Dept.
Download or read book IMF Staff Papers, Volume 54, No. 3 written by International Monetary Fund. Research Dept. and published by International Monetary Fund. This book was released on 2007-05-30 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: This issue features a timely paper by Vladimir Klyuev and Paul Mills on the role of personal wealth and home equity withdrawal in the decline in the U.S. saving rate. Lusine Lusinyan and Leo Bonato explain how work absence in 18 European countries affects labor supply and demand. And a paper by Paolo Manasse (University of Bologna) entitled "Deficit Limits and Fiscal Rules for Dummies" examines fiscal frameworks.
Book Synopsis Second Book of Sanskrit by : Ramkrishna Gopal Bhandarkar
Download or read book Second Book of Sanskrit written by Ramkrishna Gopal Bhandarkar and published by . This book was released on 1899 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Second Book of Sanskrit by : Sir Ramkrishna Gopal Bhandarkar
Download or read book Second Book of Sanskrit written by Sir Ramkrishna Gopal Bhandarkar and published by . This book was released on 1908 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Income Inequality by : Matthew P. Drennan
Download or read book Income Inequality written by Matthew P. Drennan and published by Yale University Press. This book was released on 2015-11-24 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: Prevailing economic theory attributes the 2008 crash and the Great Recession that followed to low interest rates, relaxed borrowing standards, and the housing price bubble. After careful analyses of statistical evidence, however, Matthew Drennan discovered that income inequality was the decisive factor behind the crisis. Pressured to keep up consumption in the face of flat or declining incomes, Americans leveraged their home equity to take on excessive debt. The collapse of the housing market left this debt unsupported, causing a domino effect throughout the economy. Drennan also found startling similarities in consumer behavior in the years leading to both the Great Depression and the Great Recession. Offering an economic explanation of a phenomenon described by prominent observers including Thomas Piketty, Jacob Hacker, Robert Kuttner, Paul Krugman, and Joseph Stiglitz, Drennan’s evenhanded analysis disproves dominant theories of consumption and draws much-needed attention to the persisting problem of income inequality.
Download or read book IMF Staff Papers written by and published by . This book was released on 2007 with total page 374 pages. Available in PDF, EPUB and Kindle. Book excerpt:
