You Can...Achieve the American Dream with the Right Keys

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Author :
Publisher : Dog Ear Publishing
ISBN 13 : 1608442926
Total Pages : 122 pages
Book Rating : 4.6/5 (84 download)

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Book Synopsis You Can...Achieve the American Dream with the Right Keys by : James N. Rivers

Download or read book You Can...Achieve the American Dream with the Right Keys written by James N. Rivers and published by Dog Ear Publishing. This book was released on 2009 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt: In today's tighten lending environment many people believe that their hopes and dreams of home ownership must be deferred or forgotten. It seems as if the doors to obtaining mortgage financing have been locked shut. But with the right keys you can open any door, that's why You Can Achieve The American Dream...With the Right Keys is a must read for anyone wanting to purchase a home, become a real estate investor, refinance their current home or modify the terms of their mortgage to avoid foreclosure or to simply lower their monthly mortgage payment. Are you one of the millions of people who have put your dream of buying a home on hold due to the belief that mortgage lenders are not approving anyone, unless they have a 700 plus credit score? Do you need to refinance your home to a lower interest rate or before your adjustable rate mortgage increases, but you feel that the value of your home may have decreased? Or is your family one of the millions of families that are struggling to pay their mortgage or ever several months behind on your mortgage, and you're wondering what can you do to avoid foreclosure and save your home? Wonder and search no more, the keys to getting your mortgage company to say yes, are in your hands. Over the past 20 years James Rivers has assisted in making the dreams of thousands of families a reality. His clients range from families on fixed incomes who needed a mortgage to purchase a $40,000 home to professional athletes and entertainers in need of financing to purchase multi-million dollar homes. James often recounts assisting one of his first families with buying their very first home. It was the home that the family had driven by and dreamed of one day owning. Their dream came true. Although, the economic climate and the mortgage industry has changed over the years, James Rivers' passion for helping people obtain the mortgage financing that best fits their needs has not. In his book You Can Achieve The American Dream...With The Right Keys he shares his wealth of knowledge and insight in a very straight forward and honest approach. His book provides a clear step-by-step road map to anyone wanting to purchase a home, become a real estate investor, refinance their current home, or modify the terms of their mortgage to avoid foreclosure or to simply reduce their monthly mortgage payment. To find out more visit his website www.Achieve-The-American-Dream.com

Refinancing the American Dream

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Author :
Publisher :
ISBN 13 :
Total Pages : 302 pages
Book Rating : 4.:/5 (111 download)

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Book Synopsis Refinancing the American Dream by : Patricia Posey

Download or read book Refinancing the American Dream written by Patricia Posey and published by . This book was released on 2019 with total page 302 pages. Available in PDF, EPUB and Kindle. Book excerpt: This dissertation explores how economic institutions, particularly those from the fringe economy, such as payday loans and pawn shops, influence the political attitudes and participation of racial and ethnic minorities. American financial policy has resulted in a seemingly separate financial services industry, such as pawnshops and payday loans, for those who are poor or who have credit problems. This dissertation demonstrates that state policy shapes access to these institutions and promotes geographic concentration, and that people connect these private institutions with their evaluations of government. The dissertation is presented in three parts. The first section of the dissertation presents a theory to explain how inconsistent policies can affect political behavior in paradoxical ways--that is, the offset of the positive effect of a policy is countered by the negative effects of that policy. Second, it lays the groundwork by providing a historical analysis of how history and state policy converge to provide some financial access to these long-excluded groups while also precluding improvement in long-term financial health. Knowing that political participation of marginalized groups and the necessity to ensure the representation of their interests is shaped by their access to resources and their experiences with policies, leads to the final section where the dissertation examines the relationship between race, the fringe economy, political participation, and political learning. This encompassing dissertation, which includes novel geographic data, survey data with an original question, and interview data from Chicago, IL and Philadelphia, PA illustrates how the fringe economy shapes the political behavior of racial and ethnic minorities. Citizens exposed to these institutions come to understand that governments allow these institutions to operate in their neighborhoods and not wealthier areas, which shapes their attitudes and evaluation of government, as well as their participation. This research highlights how this leads these unstudied institutions to affect peoples' political behavior and their political attitudes. Financial institutions, akin to other public policies and institutions, can shape the distance of citizens from government with profound implications for democratic governance and inequality in America.

Saving Your American Dream

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Author :
Publisher : BenBella Books
ISBN 13 : 1933771798
Total Pages : 442 pages
Book Rating : 4.9/5 (337 download)

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Book Synopsis Saving Your American Dream by : Jason Biro

Download or read book Saving Your American Dream written by Jason Biro and published by BenBella Books. This book was released on 2009-09-08 with total page 442 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you worried about your mortgage, or facing foreclosure? Starting over after losing your home? Buying a home or looking to refinance, and just don't know where to start? In Saving Your American Dream, industry veteran Jason Biro shows you step-by-step how to make it through these tough economic times—without sacrificing the American dream of homeownership. Find out: What happened during the housing and lending crash, and what it means for you How to prevent foreclosure (even if it's already in progress), and how to recover financially if you can't How lending works, what lending and mortgage terms really mean—and what you can do right now to increase your chances of qualifying for an affordable loan How you can protect yourself from predatory lending and real estate scams How to improve and manage your credit, your finances, and your future With this book, you could also get the help you need to save your American dream. How? Use the unique code that's included with this book to tell Jason your story. You could receive one-on-one counseling, assistance, and advice to help protect your home from foreclosure, to improve your credit and finances, or to plan for owning a home of your own once again.

Refinancing the American Dream

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Author :
Publisher :
ISBN 13 :
Total Pages : 80 pages
Book Rating : 4.:/5 (892 download)

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Book Synopsis Refinancing the American Dream by : Casey Daniel LeMay

Download or read book Refinancing the American Dream written by Casey Daniel LeMay and published by . This book was released on 2014 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report seeks to outline recent federal policy regarding home mortgage finance, specifically the Home Affordable Refinance Program (HARP), the main tool of the Making Home Affordable Program (MHA), which is aimed at helping the United States recover from the housing crisis it has been experiencing ever since the mid-late 2000s. A modern history of federal policy on home mortgage finance will help to set the stage for the reader for what has been one of the most difficult housing disasters that America has ever seen. After outlining HARP's background, the background of the housing crisis, the roles of Government-sponsored entities, and the effectiveness of the most current federal responses to the crisis, this report will detail policy recommendations and changes to the current programs that may help to further alleviate the problems discussed in this report, and more effectively achieve the stated goals of the MHA and HARP.

Financing the American Dream

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Author :
Publisher : Princeton University Press
ISBN 13 : 1400822831
Total Pages : 394 pages
Book Rating : 4.4/5 (8 download)

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Book Synopsis Financing the American Dream by : Lendol Calder

Download or read book Financing the American Dream written by Lendol Calder and published by Princeton University Press. This book was released on 2009-07-01 with total page 394 pages. Available in PDF, EPUB and Kindle. Book excerpt: Once there was a golden age of American thrift, when citizens lived sensibly within their means and worked hard to stay out of debt. The growing availability of credit in this century, however, has brought those days to an end--undermining traditional moral virtues such as prudence, diligence, and the delay of gratification while encouraging reckless consumerism. Or so we commonly believe. In this engaging and thought-provoking book, Lendol Calder shows that this conception of the past is in fact a myth. Calder presents the first book-length social and cultural history of the rise of consumer credit in America. He focuses on the years between 1890 and 1940, when the legal, institutional, and moral bases of today's consumer credit were established, and in an epilogue takes the story up to the present. He draws on a wide variety of sources--including personal diaries and letters, government and business records, newspapers, advertisements, movies, and the words of such figures as Benjamin Franklin, Mark Twain, and P. T. Barnum--to show that debt has always been with us. He vigorously challenges the idea that consumer credit has eroded traditional values. Instead, he argues, monthly payments have imposed strict, externally reinforced disciplines on consumers, making the culture of consumption less a playground for hedonists than an extension of what Max Weber called the "iron cage" of disciplined rationality and hard work. Throughout, Calder keeps in clear view the human face of credit relations. He re-creates the Dickensian world of nineteenth-century pawnbrokers, takes us into the dingy backstairs offices of loan sharks, into small-town shops and New York department stores, and explains who resorted to which types of credit and why. He also traces the evolving moral status of consumer credit, showing how it changed from a widespread but morally dubious practice into an almost universal and generally accepted practice by World War II. Combining clear, rigorous arguments with a colorful, narrative style, Financing the American Dream will attract a wide range of academic and general readers and change how we understand one of the most important and overlooked aspects of American social and economic life.

American Dream Becomes the Global Nightmare

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Author :
Publisher : Lulu.com
ISBN 13 : 0983360723
Total Pages : 142 pages
Book Rating : 4.9/5 (833 download)

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Book Synopsis American Dream Becomes the Global Nightmare by : Ken Koenen

Download or read book American Dream Becomes the Global Nightmare written by Ken Koenen and published by Lulu.com. This book was released on 2011-02-23 with total page 142 pages. Available in PDF, EPUB and Kindle. Book excerpt: Ken Koenen is a California attorney with a Masters Degree in Tax Law, who has spent the last five years on cases involving people who either were victims of, or in some cases, followed the crowd who abused the loan programs that were partially to blame of today's economic crisis. Ken's background and practice is in real estate, mortgage and taxation and he has consulted with hundreds of people about the tax and legal ramifications of foreclosures, short sales and possible bankruptcy.He will provide some insight into the future of real estate and how to hopefully learn meaningful lessons from this disaster.

American Dream Or Mortgage Nightmare

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Publisher : iUniverse
ISBN 13 : 0595479545
Total Pages : 50 pages
Book Rating : 4.5/5 (954 download)

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Book Synopsis American Dream Or Mortgage Nightmare by : Michelle Pettway

Download or read book American Dream Or Mortgage Nightmare written by Michelle Pettway and published by iUniverse. This book was released on 2008 with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt: We cannot change what has happened with the mortgage industry in our country, but we can change our outcome. I truly believe that we were not put here to live in poverty, but to be prosperous, to have homes for our children and our children's children. We should not have to choose between making a mortgage payments and purchasing food, clothes or even prescriptions for our families. Learn the practical and biblical techniques that can change your future and help you to achieve your American dream and the dreams that the Lord has for all his children.

Saving the American Dream

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Author :
Publisher : AuthorHouse
ISBN 13 : 1468554948
Total Pages : 208 pages
Book Rating : 4.4/5 (685 download)

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Book Synopsis Saving the American Dream by : Louis Hernandez Jr.

Download or read book Saving the American Dream written by Louis Hernandez Jr. and published by AuthorHouse. This book was released on 2012-03-09 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Restoring the American Dream

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Publisher : John Wiley & Sons
ISBN 13 : 0470893354
Total Pages : 258 pages
Book Rating : 4.4/5 (78 download)

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Book Synopsis Restoring the American Dream by : Robert Ringer

Download or read book Restoring the American Dream written by Robert Ringer and published by John Wiley & Sons. This book was released on 2010-08-03 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: Completely updated edition of one of the classic works of conservative literature Long before the advent of conservative talk radio and Fox News, Robert Ringer was an outspoken advocate for the cause of freedom and free enterprise. In this classic work–updated for the 21st century–Ringer’s basic premise is that liberty must be given a higher priority than all other objectives. The economic and political calamity that he warned about in the late seventies is now upon us, and his new edition of Restoring the American Dream is sure to resonate with the feelings of today’s angry voters. In his book, Ringer explains that: • The American Dream is not about increased government benefits and government-created “rights,” but, rather, about individualism, self responsibility, and freedom–including the freedom to succeed or fail on one’s own • The barbarians are not at the gates; they are already inside • Ordinary citizens no longer tell their elected officials what to do. Rather, government tells them what to do–and backs it up with force • The desire of people to band together to bring about quick, short term solutions to their problems through government intervention has perpetuated a cycle that has nearly destroyed the American Dream With Washington continuing to expand government power and spending at a record pace, Restoring the American Dream is a voice of sanity in a world gone mad.

NeighborWorks Works

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Publisher :
ISBN 13 : 9780692785195
Total Pages : 650 pages
Book Rating : 4.7/5 (851 download)

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Book Synopsis NeighborWorks Works by : Anne Davis Burns

Download or read book NeighborWorks Works written by Anne Davis Burns and published by . This book was released on 2016 with total page 650 pages. Available in PDF, EPUB and Kindle. Book excerpt: "...[A] collection of insights and stories from across the country. It showcases the power of the NeighborWorks network - a group of strong, diversified nonprofits that deliver innovative solutions in affordable housing and community development - and makes the case for sharing strategies and best practices. These organizations are doing work that not only gets results, but can serve as a model for other organizations facing similar issues and challenges. NeighborWorks works to make all communities places of opportunity." -- back cover,

American Dream Dying

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Publisher : Rowman & Littlefield
ISBN 13 : 9781442201965
Total Pages : 148 pages
Book Rating : 4.2/5 (19 download)

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Book Synopsis American Dream Dying by : Peter D. McClelland

Download or read book American Dream Dying written by Peter D. McClelland and published by Rowman & Littlefield. This book was released on 2010 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: Presents statistical information regarding long-term trends in standard of living, financial security, economic mobility, and economic mobility in relation to education, in order to demonstrate the author's view that the American Dream is becoming less attainable for a large group of the population.

The Foreclosure of America

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Publisher : Penguin
ISBN 13 : 1440661936
Total Pages : 372 pages
Book Rating : 4.4/5 (46 download)

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Book Synopsis The Foreclosure of America by : Adam Michaelson

Download or read book The Foreclosure of America written by Adam Michaelson and published by Penguin. This book was released on 2009-01-06 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt: Now in paperback-an inside look at Countrywide Home Loans and the mortgage crisis, from a former mortgage lender executive. In July 2004, Adam Michaelson attended a high-level meeting at Countrywide Financial headquarters about a new loan product that would allow borrowers to pay less than their minimum monthly payment. The "finance jocks" believed that the booming housing market would only get bigger, supporting homeowners in a cycle of borrowing against their houses and refinancing later. They were wrong. And when the bottom dropped out, Countrywide suffered the consequences-as did millions of Americans. With an insider's knowledge and thorough reporting on the impact on American families and the ripple effects on the economy, Michaelson examines the marketing of a mirage and the bad business decisions that destroyed a company, confronts the ethical questions that have arisen in the wake of the foreclosure crisis, and offers creative proposals to prevent such a meltdown from ever happening again.

The American Dream Declassified

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Author :
Publisher : AuthorHouse
ISBN 13 : 149691466X
Total Pages : 137 pages
Book Rating : 4.4/5 (969 download)

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Book Synopsis The American Dream Declassified by : Frank PN Adjei-Mensah

Download or read book The American Dream Declassified written by Frank PN Adjei-Mensah and published by AuthorHouse. This book was released on 2014-07-17 with total page 137 pages. Available in PDF, EPUB and Kindle. Book excerpt: A must-read, insightful blueprint to fulfilling your dreams and potentials of becoming financially emancipated. This book is a culmination of 4 years of extensive and meticulous research to uncover why some people do so well in the capitalist economy while the vast majority struggle to make ends meet. My quest was to discover answers to these elusive questions about the few who are doing so handsomely well: What do they know? What do they do differently? The research results were a total shock to my very core. I simply could not believe how uncomplicated it really is to create wealth and live the American Dream. For lack of knowledge my people perish.---Hosea 4:6. Education is THE KEY to success in any endeavor. Financial Education is THE KEY to financial success, and in the current globalized economic environment, everyone needs that in addition to their degrees, diplomas, and professional training. That need is essential and cardinal now than ever before. This book provides the entire Financial Education package, which would help readers expand their means rather than just managing their current, often meagre means, in an easy-to understand step-by-step approach towards Financial Freedom.

Theft of the American Dream

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Author :
Publisher : iUniverse
ISBN 13 : 1475949111
Total Pages : 346 pages
Book Rating : 4.4/5 (759 download)

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Book Synopsis Theft of the American Dream by : J. F. Swartz

Download or read book Theft of the American Dream written by J. F. Swartz and published by iUniverse. This book was released on 2012-10 with total page 346 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explains "the structural flaws in the US financial system and how these flaws could soon destroy unwitting middle class Americans [and] provides practical steps to take to defend ourselves against the monetary and fiscal actions taken by our leaders"--Page 4 of cover.

Refinancing the College Dream

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Publisher : JHU Press
ISBN 13 : 142141578X
Total Pages : 274 pages
Book Rating : 4.4/5 (214 download)

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Book Synopsis Refinancing the College Dream by : Edward P. St. John

Download or read book Refinancing the College Dream written by Edward P. St. John and published by JHU Press. This book was released on 2014-09-15 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: During the 1990s, rising tuition costs and inadequate federal grant aid prevented more than a million otherwise qualified, low-income students from continuing their education past high school. Education policy expert Edward P. St. John is troubled by this situation and argues that equal access to higher education is both feasible and just. In Refinancing the College Dream, he examines recent trends in public funding of education and explores alternatives to financing which would provide equal access to postsecondary education for all Americans. The growing gap in the rate of participation in higher education for low-income groups compared to upper-income groups over the past three decades, St. John finds, has been a direct result of the decreased availability of federal grants, even after taking into account such factors as an increased emphasis on strengthening high school graduation requirements. To reverse this trend, he suggests that policymakers refocus the debate over the public financing of higher education from taxpayer costs to principles of social responsibility and justice, along with economic theories of human capital. He then shows how improved coordination between state and federal agencies, expanded use of loans, and better targeting of grant aid can maximize access for low-income students while minimizing increases in taxes. Making higher education accessible to low-income students is one of the crucial challenges for citizens and policymakers in the early twenty-first century. Refinancing the College Dream offers a theoretical and practical foundation for boldly rethinking the financial strategies used by colleges and universities, states, and the federal government to accomplish this essential goal.

What Ever Happened to the American Dream

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Publisher : Moody Publishers
ISBN 13 :
Total Pages : 318 pages
Book Rating : 4.:/5 (89 download)

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Book Synopsis What Ever Happened to the American Dream by : Larry Burkett

Download or read book What Ever Happened to the American Dream written by Larry Burkett and published by Moody Publishers. This book was released on 1993 with total page 318 pages. Available in PDF, EPUB and Kindle. Book excerpt: At one time Americans valued hard work, ethics, and education. Today, many of these values seemed to have been replaced by the pursuit of easy money and materialism. In this book, Larry Burkett tells readers not only why we face this problem, but how to solve it--and how to recapture the lost American Dream.

Reclaiming the American Dream

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Publisher : Transaction Publishers
ISBN 13 : 1412832772
Total Pages : 238 pages
Book Rating : 4.4/5 (128 download)

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Book Synopsis Reclaiming the American Dream by : Richard C. Cornuelle

Download or read book Reclaiming the American Dream written by Richard C. Cornuelle and published by Transaction Publishers. This book was released on with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt: