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The great U.S. mortgage crisis was a transformative event that will reverberate for decades across families, neighborhoods, and cities. After years of research on various aspects of the crisis, Dan Immergluck examines what went wrong, identifying the factors that created the fragile housing finance system, which provided fertile ground for calamity. He also examines the federal response to the crisis, including who benefitted most from the response, and how a more effective and fair response could have been formulated. To reduce the incidence of future crises, Immergluck provides a pathway for building a more stable and fair housing finance system that would be less vulnerable to the booms and busts of global finance. Housing finance helps determine access to stable, decent-quality, affordable housing and also affects the geography of housing and educational opportunities. Thus, housing markets shape our communities, our neighborhoods, and our social and economic opportunities. Immergluck’s analysis and formulation of a way forward will be of particular interest to those concerned with urban form, neighborhood change and stability, and urban planning and policy, as well as those interested in housing and mortgage markets more generally.
A simple guide to a smarter strategy for the individual investor A Wealth of Common Sense sheds a refreshing light on investing, and shows you how a simplicity-based framework can lead to better investment decisions. The financial market is a complex system, but that doesn't mean it requires a complex strategy; in fact, this false premise is the driving force behind many investors' market "mistakes." Information is important, but understanding and perspective are the keys to better decision-making. This book describes the proper way to view the markets and your portfolio, and show you the simple strategies that make investing more profitable, less confusing, and less time-consuming. Without the burden of short-term performance benchmarks, individual investors have the advantage of focusing on the long view, and the freedom to construct the kind of portfolio that will serve their investment goals best. This book proves how complex strategies essentially waste these advantages, and provides an alternative game plan for those ready to simplify. Complexity is often used as a mechanism for talking investors into unnecessary purchases, when all most need is a deeper understanding of conventional options. This book explains which issues you actually should pay attention to, and which ones are simply used for an illusion of intelligence and control. Keep up with—or beat—professional money managers Exploit stock market volatility to your utmost advantage Learn where advisors and consultants fit into smart strategy Build a portfolio that makes sense for your particular situation You don't have to outsmart the market if you can simply outperform it. Cut through the confusion and noise and focus on what actually matters. A Wealth of Common Sense clears the air, and gives you the insight you need to become a smarter, more successful investor.
"Turnaround" is a technique rich exposeacute; about improving the information technology service management structure of an information technology department. It provides easy to follow steps for improving the performance of any IT department, especially one that is in crisis. "Turnaround" also provides contextually relevant stories that paint real world pictures of IT leader challenges from which the reader can draw valuable lessons and consider solutions for the problems IT leaders often face. Many of the examples presented in "Turnaround" are health care industry oriented; however, having spent nearly half his career in global manufacturing and consumer goods, and the latter half in health care, the author has found that the fundamentals of information service management are essentially the same everywhere. The business vocabularies, business processes, products and services differ; but once you enter the halls of the IT department, you still find servers, operating systems, help desks, networks, telephony, and the necessary IT disciplines to manage them.
Presents a series of remarks and addresses spanning the years 1917-1923. Includes subjects such as The Proposed League of Nations, America's Debt to France, The Catholic War Fund, The Federal Government and Education and the Public Service of the American Bar.
Vols. contain reports of the association and proceedings of the annual meetings, occasional special meetings; and midsummer meetings for 1933-41.