September 15, 2008 was one of the most important days in American financial market history. Lehman Brothers, one of the oldest and most respected investment banks on Wall Street, filed for bankruptcy, sending a shock through the financial system to a degree not seen since the Great Depression. Massive layoffs from businesses and defaults by households ensued. Several years and trillions of dollars of money supplied by the Federal Reserve later, most Americans still feel as if the economic recovery has never commenced. So today, five years after the collapse of Lehman Brothers, what is the state of the U.S. economy? Stock markets have risen to all-time highs, yet employment is still well below pre-crisis levels, and most Americans still feel as if the economy is still in recession. So why have stock markets and general economic consensus decoupled? Jonathan H. Todd combs through economic data and financial research to try to parse out exactly why the disconnect between the job and investment markets exists, and where the economy should head from here. Things may seem dire to most Americans today, with a huge pool the unemployed, a massive debt accumulated by the U.S. government, and as uncertain a global economic outlook as ever. The Financial Crisis resulted in a devastating and lasting impact from coast to coast, spawning mass mortgage defaults, and draining the savings assets and 401k accounts of many ordinary Americans. Taking a 40,000 foot view of the economy, the case for optimism and the case for pessimism are laid out, in an attempt to understand how the American economy is likely to perform after five years of poor growth. While there are still many reasons to be worried about the future of our country, there are many reasons to be optimistic as well. The equity markets have recovered, but the real economy - where Americans work, spend, and live - may feel that same strong growth in the near future.
This innovative book analyses the role played by real estate markets in global financial stability and examines the fragile link between the two. Through what transmission channels do housing market cycles influence broader economic systems? How has the Global Financial Crisis shifted our view and understanding of these linkages? This detailed book answers these questions in an international comparative perspective. Specific topics covered include macroeconomic transmission channels of the housing cycle, the role of housing in the finance system, construction financing as a cycle amplifier, and various related public policy issues such as the policy remedies needed to deal with housing and mortgage-driven crises. Eminent scholars in the field provide insightful and original contributions, which will appeal to academics in the areas of macroeconomics, policy analysis and financial regulation. Practitioners involved in real estate and the mortgage market will also find it to be of interest.
Are you struggling to save a deposit and buy a home?
Is your credit score preventing you from getting a mortgage?
Would you like to pay off your home sooner and spend your life doing what you love instead of chained to a mortgage?
This informative and easy to read book will provide you with all the knowledge you need to do just that and more.
It walks you through how to budget and make more money, what and where to buy, how to beat a bad credit score, plan for your retirement, and all the little things that will help you achieve mortgage freedom sooner.
If your money goes out as fast as it comes in, if you're a 'high risk client' or if you can't imagine ever having 'extra' money to play around with, then you need to read this book! I was once where you are now and I still paid off my home before I was 36! Downloadable bonus materials are also included for free to help you reach your goals easier and faster than ever.
MORTGAGE FREE doesn't just tell you to pay more money onto your mortgage like every other book- it walks you through how to do this, as well as how to pay off a mortgage fast, even if you're spending the same weekly amount you always have. It shows you how to change simple things, straight away, that make a massive difference to your loan term. What other book does that?
MORTGAGE FREE gives you all the knowledge you need to:
If you follow even some of the solutions in this book, you will be free of your mortgage years ahead of your peers. Start living the life you've always wanted, and take back your future!
Because being debt free is the ultimate gift you can give to yourself, and your family.
You are camping with your parents and two best friends. Pick your supplies, pack your bags, and have fun. But your outing turns dangerous when you get caught in the middle of a forest fire! Do you know what to do? Put your survival skills to the test. If you make good decisions, you might rescue your friends from the Campfire Crisis! For parents and teachers, it can be hard to find the right books for kids. This interactive, all-ages chapter book is a great introduction to problem-solving, decision-making and camping.