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This timely resource analyzes home visits as a primary intervention for at-risk families with infants and young children and details innovative programs for home service delivery. Focusing on family violence, mental illness and alcohol and substance abuse as major challenges to child development, the book presents practical strategies for home visitors to address and prevent problems while fostering an improved environment for raising children. Contributors offer a realistic framework for planning, developing, and training an effective home visitation workforce and tailoring interventions to fit individual family dynamics. And the book's international focus provides a variety of perspectives on evidence-based programs that support families raising children in distressed neighborhoods. Among the featured topics: Home visitation as a primary prevention tool for violence. Developmental parenting home visiting to prevent violence. Supporting the paraprofessional home visitor. Engagement and retention in home visiting child abuse prevention programs. Addressing psychosocial risk factors among families in home visiting programs. Home visitation programs in the United States, Latin America, and the Caribbean. Home Visitation Programs: Preventing Violence and Promoting Healthy Early Child Development is an essential resource for researchers, graduate students and professionals in child and school psychology, social work, educational policy, family advocacy and public health.

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.

Find Home Grown Legacy by Erik Dardas in Paperback and other formats in Business & Economics > Motivational.

This book delves into the realm of effective language education programs, examining them from both macro and micro-policy-making perspectives. It unravels the distinguishing features of exemplary language programs and explores how these programs are implemented in diverse international contexts. The book comprehensively explores various facets of language education programs, encompassing well-crafted language education policies, robust curriculum and syllabus design, impactful teaching materials, effective approaches to English for specific purposes (ESP), English as a medium of instruction (EMI), content and language integrated learning (CLIL), and English as a Lingua Franca (ELF)-informed instruction. The book also delves into fruitful school/institute-university partnerships, the judicious use of technology, strategies for teacher recruitment and professional development, as well as efficient policies for learner assessment, among other topics of significance. The contributions within this book are firmly grounded in data, incorporating findings from empirical studies. The insights provided draw upon valuable data obtained from a range of diverse contexts in which effective language education programs have been implemented.

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

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

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.