Rules Of The Lending Game

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Rules of the Lending Game

Author : Stuart Wemyss
Publisher : Major Street Publishing
ISBN 13 : 0648753034
Total Pages : 126 pages
Book Rating : 4.6/5 (487 download)

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Book Synopsis Rules of the Lending Game by : Stuart Wemyss

Download or read book Rules of the Lending Game written by Stuart Wemyss and published by Major Street Publishing. This book was released on 2022-01-01 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: Investing in property is the largest single financial transaction anyone will make. Property buyers usually concentrate their research on online search engines, looking at glossy photos of beautifully staged homes. Instead, they would be better off working out how much they will need to borrow, how they should structure their loan and who would be the best lender. Author and personal finance expert, Stuart Wemyss, admits that finding the right loan is a bit like a game of snakes and ladders. You run up the ladder when you think you've found the lowest interest rate, only to slide down the snake when you realise the fees are high and conditions are stringent. "Interest is the single largest lifetime expense for investors" says Stuart. "The amount of borrowings investors carry affects their net worth and their cash flow and can make or break their retirement goals. Getting their borrowing right and structuring their investments correctly can save a considerable amount of money - often thousands of dollars per year."To make sure you get your borrowing right, Stuart explains the Rules of the Lending Game in this fascinating book. It contains invaluable information on: Choosing the right loan products Calculating how much to borrow and how to reduce the overall cost Structuring loans to manage cash flow and create wealth Making the most of your equity.

Investopoly

Author : Stuart Wemyss
Publisher : Major Street Publishing
ISBN 13 : 1925283577
Total Pages : 178 pages
Book Rating : 4.9/5 (252 download)

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Book Synopsis Investopoly by : Stuart Wemyss

Download or read book Investopoly written by Stuart Wemyss and published by Major Street Publishing. This book was released on 2022-01-01 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: Winning at Monopoly requires having a little bit of luck, making the most of your luck and applying certain rules &– such as buying as much property as possible, not spending all your cash (having some savings) and negotiating to get a full set of properties as soon as you can. Building wealth is no different. You can win at the game of building personal wealth by applying a set of proven rules: the 8 Golden Rules.In Investopoly, Stuart Wemyss explains the rules he has formulated and refined over two decades of practice, observation and experience. They are not just theory, they are rooted in simple maths, academic studies and/or common sense. They are tested and have been proven to work. They are the rules of the investment game. If you are looking to build wealth that will ensure you are financially secure then this is the book for you. Stuart possesses the rare skill of being able to make financial planning interesting. In this engaging and informative book, he gives sound, easy-to-understand information and encouragement to readers to help them with their planning, saving and investing for a comfortable lifestyle in retirement.

Money - The New Rules of the Game

Author : Christian Felber
Publisher : Springer
ISBN 13 : 3319673521
Total Pages : 233 pages
Book Rating : 4.3/5 (196 download)

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Book Synopsis Money - The New Rules of the Game by : Christian Felber

Download or read book Money - The New Rules of the Game written by Christian Felber and published by Springer. This book was released on 2017-10-25 with total page 233 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book advocates a holistic reform of the current monetary and financial system dealing with the issues of money creation, central banks, loans, stock markets, tax justice, pension security and the international monetary system - “Bretton Woods II”. Its innovative approach presents several alternatives for each cornerstone, in addition to introducing a participatory democratic process whereby sovereign citizens can themselves determine the rules governing the new financial and monetary system. With “democratic money conventions” in each municipality, where the elements of this new money system are discussed and decided on in a participatory manner, and a federal money covenant which then elaborates a template for a referendum about the future “money constitution”, a true “sovereign” could progressively convert money from a financial weapon into a democratic tool. The envisaged democratic monetary system, by providing equal opportunities for every member of society to participate in the development of the “new rules of the game”, turns money progressively into a public good which increases the freedom for all. The new system furthermore drives the enhancement of constitutional and relational values such as human dignity, solidarity, justice, sustainability, or democracy. Money should serve life and should serve the common good. The “Bank for the Common Good” Project, which was initiated in Austria by the author Christian Felber, represents a practical example of his proposals.

The Civilized Guide to Tabletop Gaming

Author : Teri Litorco
Publisher : Simon and Schuster
ISBN 13 : 1440597979
Total Pages : 224 pages
Book Rating : 4.4/5 (45 download)

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Book Synopsis The Civilized Guide to Tabletop Gaming by : Teri Litorco

Download or read book The Civilized Guide to Tabletop Gaming written by Teri Litorco and published by Simon and Schuster. This book was released on 2016-11-04 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Don't Be a Beardy Gamer "A very funny and useful read on its own, but it also makes a great gift for that sore loser in your life." --The New York Times "An indispensable, laugh-out-loud guide to the pitfalls and pleasures of gaming." ~Graham McNeill, Warhammer Fantasy and Warhammer 40,000 novels author; former Games Workshop designer "For anyone looking to be a part of one of the greatest communities in the world!" ~Brittanie Boe, editor of GameWire "A warm, insightful guide for exploring one of geek culture's oldest realms." ~Aaron Dembski-Bowden, author of New York Times bestselling book The Horus Heresy: The First Heretic Whether you're new to the world of tabletop games or a veteran gamer, The Civilized Guide to Tabletop Gaming is your go-to game-night etiquette guide. Expert gamer Teri Litorco, of the gaming site Geek and Sundry, helps you to get along as you play and make the most out of your time with your gamer group. Packed with insider advice and etiquette tips, this essential guide includes advice on everything from sharing crib sheets and meeples to avoiding drama and poor sportsmanship at the game table. With 100 gaming etiquette rules, The Civilized Guide to Tabletop Gaming provides you and your group with all you need for a fun and respectful game night--without rage-quitters, bad losers, terrible winners, and Incredible Sulks!

The Rule Book

Author : Jaakko Stenros
Publisher : MIT Press
ISBN 13 : 0262377535
Total Pages : 253 pages
Book Rating : 4.2/5 (623 download)

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Book Synopsis The Rule Book by : Jaakko Stenros

Download or read book The Rule Book written by Jaakko Stenros and published by MIT Press. This book was released on 2024-03-12 with total page 253 pages. Available in PDF, EPUB and Kindle. Book excerpt: How games are built on the foundations of rules, and how rules—of which there are only five kinds—really work. Board games to sports, digital games to party games, gambling to role-playing games. They all share one thing in common: rules. Indeed, rules are the one and only thing game scholars agree is central to games. But what, in fact, are rules? In The Rule Book, Jaakko Stenros and Markus Montola explore how different kinds of rules work as building blocks of games. Rules are constraints placed on us while we play, carving a limited possibility space for us. They also inject meaning into our play: without rules there is no queen in chess, no ball in Pong, and no hole in one in golf. Stenros and Montola discuss how rules constitute games through five foundational types: the explicit statements listed in the official rules, the private limitations and goals players place on themselves, the social and cultural norms that guide gameplay, the external regulation the surrounding society places on playing, and the material embodiments of rules. Depending on the game, rules can be formal, internal, social, external, or material. By considering the similarities and differences of wildly different games and rules within a shared theoretical framework, The Rule Book renders all games more legible.

Impact of Institutions on Lending

Author : Chuluunbaatar Enkhzaya
Publisher : Springer Science & Business Media
ISBN 13 : 3835090070
Total Pages : 209 pages
Book Rating : 4.8/5 (35 download)

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Book Synopsis Impact of Institutions on Lending by : Chuluunbaatar Enkhzaya

Download or read book Impact of Institutions on Lending written by Chuluunbaatar Enkhzaya and published by Springer Science & Business Media. This book was released on 2007-10-08 with total page 209 pages. Available in PDF, EPUB and Kindle. Book excerpt: Chuluunbaatar Enkhzaya examines the "inadequate" behaviour of banks in Mongolia by analysing the institutional framework of the banking system, especially in lending. She focuses on the genesis of informal institutions of lending and their interaction with formal institutions of lending. Herewith, informal institutions such as the attitude to risk were indirectly observed by diagnosing the "action-regulating" knowledge of bankers. In order to ensure an effective allocation of the scarce financial resources of Mongolia the author therefore suggests a change - as simultaneous as possible - of formal and informal rules.

The Rules of the Game in the Global Economy

Author : Lee E. Preston
Publisher : Springer Science & Business Media
ISBN 13 : 9401580162
Total Pages : 308 pages
Book Rating : 4.4/5 (15 download)

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Book Synopsis The Rules of the Game in the Global Economy by : Lee E. Preston

Download or read book The Rules of the Game in the Global Economy written by Lee E. Preston and published by Springer Science & Business Media. This book was released on 2013-11-11 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study has been long in the making, and the world has changed dramatically while we have been at work. We initially anticipated a substantial section on the Soviet-dominated Council for Mutual Economic Assistance (CMEA or "COMECON"), which offered an interesting contrast to the kind of international business regime typically found among market-oriented countries and industries. As we moved toward publi- tion, the CMEA vanished, and so we mention it only in passing. The USSR subsequently disintegrated into a Commonwealth of Independent States (CIS). On the other hand, we began with the assumption that the historic "rule of capture" no long played a significant role in international economic relations. The seizure of Kuwait's territory and wealth by the government of Iraq suggests that this assumption was heavily influenced by wishful thinking. Even though this seizure has been reversed by military action, the experience remains a challenge to generally held beliefs about the strength of "order" versus "chaos" in contemporary international affairs. Some readers of this volume have suggested that it gives insufficient attention to the fact that many of the important business and economic regimes of the postwar period are currently under significant pressure, perhaps even in danger of collapse. We acknowledge that there are many evidences of strain in, for example, the free trade and money exchange regimes, and in many areas of environmental protection.

The Theory of Credit Contracts

Author : Christian Prem
Publisher : Springer Nature
ISBN 13 : 3658293624
Total Pages : 288 pages
Book Rating : 4.6/5 (582 download)

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Book Synopsis The Theory of Credit Contracts by : Christian Prem

Download or read book The Theory of Credit Contracts written by Christian Prem and published by Springer Nature. This book was released on 2020-02-08 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this book Christian Prem features new innovations on several levels. On a conceptual level he presents a complete restructuring and modularisation of the field of lending theory. On a formal level he bestows great care on providing precise definitions and promotes notational standardisation. On a technical level the development of an algorithm to solve repayment games automatically is thoroughly documented. Eventually, new theoretic results on the performance of various credit schemes are established, the quality of existing lending schemes is scrutinised and new more efficient mechanisms are presented. The content therefore inspires theorists as well as it provides well-grounded advice to practitioners in the lending industry. Altogether this thesis is a major step towards improving the quality and applicability of lending theory.

Let's Face the Truth: An Outsider's View of the 2009 Great Recession

Author : Lenwood Fields
Publisher : Bookstand Publishing
ISBN 13 : 1589097718
Total Pages : 192 pages
Book Rating : 4.5/5 (89 download)

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Book Synopsis Let's Face the Truth: An Outsider's View of the 2009 Great Recession by : Lenwood Fields

Download or read book Let's Face the Truth: An Outsider's View of the 2009 Great Recession written by Lenwood Fields and published by Bookstand Publishing. This book was released on 2010-10-08 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Have you ever wondered what the Great Depression and the 2009 Great Recession have in common? Then wonder no more; please join me and explore significant contributors to the Great Depression and the 2009 Great Recession. Just as important, I have given you a few phrases of wisdom to help get you through those trying times after you have lost all motivation and purpose. In addition, I boldly offer two paradigm shifts that our political leaders, teachers, parents, economists, etc... need to observe ASAP!

Let Your Mortgage Make You Rich!

Author :
Publisher : Lulu.com
ISBN 13 : 1411635469
Total Pages : 98 pages
Book Rating : 4.4/5 (116 download)

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Book Synopsis Let Your Mortgage Make You Rich! by :

Download or read book Let Your Mortgage Make You Rich! written by and published by Lulu.com. This book was released on with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt:

A Complete Guide for Single Moms

Author : Janis Adams
Publisher : Atlantic Publishing Company
ISBN 13 : 1601383975
Total Pages : 290 pages
Book Rating : 4.6/5 (13 download)

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Book Synopsis A Complete Guide for Single Moms by : Janis Adams

Download or read book A Complete Guide for Single Moms written by Janis Adams and published by Atlantic Publishing Company. This book was released on 2011 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: Recent statistics from the U.S. Census Bureau show there are 9.9 million single mothers in the United States. This number is up from only 3.4 million in 1970, showing that single motherhood is more common than ever. For every mother recently finding herself single, or new moms learning how to raise their first child by themselves, there are countless things any mother will need to know. Single motherhood presents innumerable situations that are much harder to handle without the helping hands of a second parent nearby. But one of the best ways to prepare yourself for success as a single mother is to arm yourself with knowledge about what to expect with single parenting. A Complete Guide for Single Moms: Everything You Need to Know About Raising Healthy, Happy Children on Your Own is for every mother who is learning how to raise children on her own. Regardless of how you came to be a single mom whether it was through divorce, the end of a relationship, surrogacy, adoption, unplanned pregnancy, or by the death of a spouse this book will walk you through the information you need to know to help you and your child adjust to a new lifestyle. The book covers what to do when pregnant and single and how to rely on your family and friends for support and help. You will learn the basics of early childcare, including what a child needs in its first year, from breastfeeding and nappies, to clothing and travel. You will learn what to expect as your child grows, including the early years of school and the problematic teenage years. This book teaches you how to take care of yourself in addition to your children, which includes knowing how to find rest and work your way back into dating. You will learn how to prepare yourself for the sacrifices you will be forced to make and how to handle financial matters while raising a child alone. Even the difficult topics are covered, such as the first times you must discuss with your child why his or her father is not present. You will learn when you can fill in as a father figure, when you cannot, and what you can do to provide the male influence and support children need during those formative years. If your child s father is involved, this book will teach you how to work with him. You will learn how to raise a boy as a single mother and find positive role models for your children. We have conducted multiple interviews with successful single mothers, as well as with experts in child care, to provide a comprehensive outlook on everything you can expect as a single parent on your own from the first few weeks of stress to the later years of toilet training, proper diet, allergies, health care, and learning to talk. From conception to graduation, the life of a single mother is a trying, challenging road to travel. With this guide in hand, you will have what you need to raise a healthy, happy family.

Loan Sharks the Rise and Rise of Payday Lending

Author : Carl Packman
Publisher :
ISBN 13 : 9781907720987
Total Pages : 168 pages
Book Rating : 4.7/5 (29 download)

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Book Synopsis Loan Sharks the Rise and Rise of Payday Lending by : Carl Packman

Download or read book Loan Sharks the Rise and Rise of Payday Lending written by Carl Packman and published by . This book was released on 2014-08-03 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: Before the publication of the first edition of my book Loan Sharks I heard some very well meaning criticisms of my work, along the lines of the following: we realise that payday lending is bad but it is only a symptom, not a cause, of the economic crisis we find ourselves in today - therefore should we not focus our attention on taking down the whole system which has allowed this type of industry to proliferate? However we still need to account for why it is that predatory lenders have profited so much off the back of the financially vulnerable, and hold companies to account for their codes of conduct... Banks fall over themselves to lend to rich customers who promise large glittering deposits and low risks. They tempt them with sweet deals and low rates. The less well-off are treated very differently. Many at the bottom are denied credit from mainstream lenders, or forced to pay higher premiums. In the wake of the financial crisis, more of us are slipping into this category. We are compelled to find credit elsewhere. Payday loans are therefore on the rise.

America, Welcome to the Poorhouse

Author : Jane White
Publisher : FT Press
ISBN 13 : 0137049463
Total Pages : 260 pages
Book Rating : 4.1/5 (37 download)

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Book Synopsis America, Welcome to the Poorhouse by : Jane White

Download or read book America, Welcome to the Poorhouse written by Jane White and published by FT Press. This book was released on 2009-09-14 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: “Crack open this book and enter a bromide-free zone. Jane White knows why American families feel as if they are on a treadmill running out of control, and she explains the reasons with clarity, insight, and rare honesty. She also offers several practical suggestions for how we as individuals, families, and a nation can get out of the mess. Policymakers would be wise to listen.” Evan Cooper, Deputy Editor, InvestmentNews “This eye-opening book sounds the alarm about many Americans’ dim financial futures if consumers, businesses, and politicians don’t change their ways. Jane White lays blame and names names. Until change happens, White offers prescriptions for your biggest money concerns--retirement, housing, college costs, and credit cards--featuring tried-and-true advice.” Gregory Karp, Syndicated Newspaper Columnist and Author of The 1-2-3 Money Plan and Living Rich by Spending Smart “Americans need this vigorous wake-up call if they are to make it through the first half of the 21st century. They are burying themselves in debt--for education, for homes, and for toys--leaving too little for savings and investment. Jane White shows them where they are going wrong and how they can put themselves right.” Thomas G. Donlan, Editorial Page Editor, Barron’s National Business and Financial Weekly “Jane White has written a barnburner of a book. Though the title may cause alarm, America, Welcome to the Poorhouse is ultimately reassuring. We can protect our own financial futures if we get wise--and get together to demand real change.” Jacob S. Hacker, Author of The Great Risk Shift: The New Economic Insecurity and the Decline of the American Dream Too many American families are racing toward financial catastrophe--saddled with exploding credit card and college debt, out-of-control housing costs, and underfunded 401(k) accounts. America, Welcome to the Poorhouse reveals the political and economic forces that got us into this predicament, strategies to get Congress to enact needed reform, and practical tips you won’t find anywhere else on how to make the most of your money until reform happens. White offers indispensable practical advice for regaining control of your own financial future--specific strategies for reducing your debt, safeguarding your retirement, and helping your children get the education they’ll need to compete in today’s world. Shrimp on the barbie, Koala bears, and a secure retirement. Why most Australians will end up with at least half a million dollars in their version of a 401(k) plan--and what we can do to transform our 401(k) plans into actual pensions. How the mortgage industry lobbied to dismantle regulation and offer bait-and-switch adjustable rate mortgages. How to protect yourself--no matter what happens. Your personal plan for saving for retirement, finding “bargain” colleges, and getting out of credit card debt. How to build a citizens lobby that wins. Making taxpayers as powerful as the so-called financial services industry and getting rid of the members of Congress that do its bidding.

Finance Policy for Renewable Energy and a Sustainable Environment

Author : Michael Curley
Publisher : CRC Press
ISBN 13 : 1439894191
Total Pages : 260 pages
Book Rating : 4.4/5 (398 download)

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Book Synopsis Finance Policy for Renewable Energy and a Sustainable Environment by : Michael Curley

Download or read book Finance Policy for Renewable Energy and a Sustainable Environment written by Michael Curley and published by CRC Press. This book was released on 2014-03-18 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: Environmental finance is about creating the greatest environmental benefit for the largest number of people at the lowest possible cost. That is the first and most important principle listed in Finance Policy for Renewable Energy and a Sustainable Environment. Focusing on what the author considers to be the 23 principles of environmental finance, this text examines the key financial principles necessary to build strategies and adopt policies to deal effectively with environmental challenges. The text encourages making financial decisions based on science, not politics, and considers what it takes to design and execute environmental finance programs in the most cost-effective way possible. Providing a historical overview of how we got to where we are now, and outlining the 23 principles needed to establish a stronger foundation for the future, this text presents the basic financial tools required to understand the concepts presented. It discusses the proper roles of grants, loans and guaranties, the concept and proper use of affordability, understanding leverage, and generating revenue streams for environmental programs. It also examines subsidies, financial risk reduction strategies, and the challenges posed by alternative energy as well as the next generation of environmental programs. As it relates to how environmental projects and improvements are achieved, Finance Policy for Renewable Energy and a Sustainable Environment outlines the greatest benefits at the lowest possible cost to the public. This text is an ideal resource for upper-level undergraduate students in environmental engineering and business courses, as well as practicing environmental engineers.

The Theft of a Decade

Author : Joseph C. Sternberg
Publisher : PublicAffairs
ISBN 13 : 1541742389
Total Pages : 285 pages
Book Rating : 4.5/5 (417 download)

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Book Synopsis The Theft of a Decade by : Joseph C. Sternberg

Download or read book The Theft of a Decade written by Joseph C. Sternberg and published by PublicAffairs. This book was released on 2019-05-14 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Wall Street Journal columnist delivers a brilliant narrative of the mugging of the millennial generation-- how the Baby Boomers have stolen the millennials' future in order to ensure themselves a comfortable present The Theft of a Decade is a contrarian, revelatory analysis of how one generation pulled the rug out from under another, and the myriad consequences that has set in store for all of us. The millennial generation was the unfortunate victim of several generations of economic theories that made life harder for them than it was for their grandparents. Then came the crash of 2008, and the Boomer generation's reaction to it was brutal: politicians and policy makers made deliberate decisions that favored the interests of the Boomer generation over their heirs, the most egregious being over the use of monetary policy, fiscal policy and regulation. For the first time in recent history, policy makers gave up on investing for the future and instead mortgaged that future to pay for the ugly economic sins of the present. This book describes a new economic crisis, a sinister tectonic shift that is stealing a generation's future.

The New Palgrave Dictionary of Money and Finance

Author : John Eatwell
Publisher : Springer
ISBN 13 : 1349117218
Total Pages : 869 pages
Book Rating : 4.3/5 (491 download)

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Book Synopsis The New Palgrave Dictionary of Money and Finance by : John Eatwell

Download or read book The New Palgrave Dictionary of Money and Finance written by John Eatwell and published by Springer. This book was released on 1992-10-14 with total page 869 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first reference work ever to be awarded the Eccles Prize for Excellence in Economic Writing from Columbia Business School. Continuing in the tradition of The New Palgrave , this 3-volume set provides an unparalleled guide to modern money, banking and finance. In over 1,000 substantial essays by leading academic and professional authorities, it provides the most comprehensive analysis available of contemporary theory and the fast-evolving global monetary and financial framework. In its scope and depth of coverage, it is indispensable for the academic and practitioner alike.

Discriminating Risk

Author : Guy Stuart
Publisher : Cornell University Press
ISBN 13 : 9780801440663
Total Pages : 284 pages
Book Rating : 4.4/5 (46 download)

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Book Synopsis Discriminating Risk by : Guy Stuart

Download or read book Discriminating Risk written by Guy Stuart and published by Cornell University Press. This book was released on 2003 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mortgage lenders in the US, Stuart contends, are embedded in and shape a social context that can best be understood in terms of rules, networks and the production of space. This history of lenders' risk criteria reveals that they were synthesized from rules of thumb and untested theories.