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Find Mortgages 101 by David Reed in Paperback and other formats in Business & Economics > Real Estate - Mortgages.

Robert L. Bartley Editor Emeritus, The Wall Street Journal As this collection of essays is published, markets, regulators and society generally are sorting through the wreckage of the collapse in tech stocks at the turn of the millennium. All the more reason for an exhaustive look at our last “bubble,” if that is what we choose to call them. We haven’t had time to digest the lesson of the tech stocks and the recession that started in March 2001. After a decade, though, we’re ready to understand the savings and loan “bubble” that popped in 1989, preceding the recession that started in July 1990. For more than a half-century, we can now see clearly enough, the savings and loans were an accident waiting to happen. The best insurance for financial institutions is diversification, but the savings and loans were concentrated solely in residential financing. What’s more, they were in the business of borrowing short and lending long, accepting deposits that could be withdrawn quickly and making 20-year loans. They were further protected by Regulation Q, allowing them to pay a bit more for savings deposits than commercial banks were allowed to. In normal times, they could ride the yield curve, booking profits because long-term interest rates are generally higher than short-term ones. This world was recorded in Jimmy Stewart’s 1946 film, It’s a Wonderful Life.

Wonderful Old Building and Loan

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Idiosyncratic deals (I-deals) are individualized work agreements negotiated between employee and employer. Examples include working from home, shortened work days and/or weeks, and taking on responsibilities not enumerated in the job description. I-deals fulfil unique employee needs that lay outside the employer’s standard offerings, and engender a wide range of positive outcomes for both parties, such as employee well-being, work-life balance, career development, and enhanced job performance and citizenship behaviors. I-deals have the potential to be a strategic HR device for addressing the changing needs and preferences of employees, employers, and the wider society in the post-pandemic era. This new collection provides a holistic, integrated and interdisciplinary overview of i-deals from leading scholars in the area. In addressing topics such as the sociological impact of i-deals, issues of power, privilege and fairness, and HR differentiation, this volume examines i-deals at the individual, team, organizational, and societal levels. The book will be useful to scholars and practitioners alike by offering a nuanced understanding of i-deals in workgroup settings, extending research on this relevant topic, and offering managerial prescriptions for institutionalizing i-deals as a global strategic human resource management device.

Home equity loans provide you with cash in exchange for the net assets you have accumulated in the property as a separate loan.

As with any loan, the person with the highest credit score will be entitled to the highest interest rate. The banks that provide these services will place more stringent requirements on your credit score and the equity in your property. Here are the best interest rates we can find among lenders who still offer home equity loans

If you are first-time home buyers, it is very important for you to choose the right mortgage. Here are some tips can help you find a mortgage that suits you as easily as possible.

The basic principle of building home equity is the same for everyone (paying off as much mortgage as possible), but in today's financial environment, different generations face different challenges. Therefore, no matter how old we are, we've put together some tips on building home equity.