Author: Henar Álvarez Álvarez
Publisher: Lex Nova
Parece que esta especial figura hipotecaria se originó en el Reino Unido, donde empezó a comercializarse en 1965, bajo el nombre de reverse mortgage (que da lugar, sin duda, a nuestra "hipoteca inversa"), como contrapuesto al de forward mortgage, que hace referencia a las hipotecas de amortización.La Ley de reforma del mercado hipotecario (Ley 41/2007, de 7 de diciembre) la reguló por primera vez en nuestro ordenamiento jurídico, dotándole de un mínimo régimen jurídico a los efectos de evitar abusos por parte de las entidades que, ya desde hacía unos años, venían ofertando este producto hipotecario.Se trata de una nueva modalidad de garantía real que puede definirse como el contrato por el cual una entidad de crédito (o aseguradora) autorizada para operar en España pone a disposición de una persona física de, al menos, 65 años (o en situación de dependencia severa o gran dependencia), un capital que le será entregado bien periódicamente (de manera temporal o vitalicia) o bien de una sola vez. Dicho capital generará, a su vez, intereses, pero el reembolso de la deuda sólo será exigible a partir del fallecimiento del deudor, quedando asegurada la obligación por la hipoteca constituida sobre el inmueble que se da como garantía. La hipoteca inversa tiene amplias posibilidades de desarrollo en nuestro país, no sólo por el público potencial que puede solicitarla sino por el alto número de viviendas existentes en propiedad.Este libro pretende ser un estudio orgánico y sistemático de esta nueva figura hipotecaria en el que se tratan todos los problemas que plantea, aportando soluciones razonadas.
Author: Robert Kolb
Publisher: John Wiley & Sons
The world's best financial minds help us understand today's financial crisis With so much information saturating the market for the everyday investor, trying to understand why the economic crisis happened and what needs to be done to fix it can be daunting. There is a real need, and demand, from both investors and the financial community to obtain answers as to what really happened and why. Lessons from the Financial Crisis brings together the leading minds in the worlds of finance and academia to dissect the crisis. Divided into three comprehensive sections-The Subprime Crisis; The Global Financial Crisis; and Law, Regulation, the Financial Crisis, and The Future-this book puts the events that have transpired in perspective, and offers valuable insights into what we must do to avoid future missteps. Each section is comprised of chapters written by experienced contributors, each with his or her own point of view, research, and conclusions Examines the market collapse in detail and explores safeguards to stop future crises Encompasses the most up-to-date analysis from today's leading financial minds We currently face a serious economic crisis, but in understanding it, we can overcome the challenges it presents. This well-rounded resource offers the best chance to get through the current situation and learn from our mistakes.
Author: David Harvey
Publisher: Verso Books
Explores cities as the origin of revolutionary politics, where social and political issues are always at the surface, using examples from such cities as New York City and Mumbai to examine how they can be better ecologically reorganized.
Author: Richard Brealey, Stewart Myers, Franklin Allen, Pitabas Mohanty
Publisher: McGraw-Hill Education
Distinctive Features: • Detailed coverage of ever-evolving topics such as Efficient Markets, Behavioral Finance, and Managing International Risks • Ready Reckoner for the fundamentals of Corporate Finance – Dedicated Chapter on What We Do Know and What We Do Not Know about Finance • Strong Pedagogy: which includes but not limited to close to 850 Questions and exercises, 350 plus Illustrations/Boxed-items/Figures/Tables, 32 chapter-opening vignettes, and 5 Appendixes along with a strong Excel treatment
Author: Amitai Etzioni
Publisher: Transaction Publishers
This work is a quality analysis of the problems posed by Political Action Committees in American life. As the author notes in his new introduction: "Political corruption, as measured by campaign contributions of special interests to elected officials, increased significantly in the few years since the first publication of Capital Corruption. The number of PACs rose from 2,551 in 1980 to 4,175 by 1986. The percentage of PAC contribution of total campaign costs increased from 31.4 percent in 1980 to 41.9 percent (House) and 24.5 percent to 27.0 percent (Senate) in 1986." Such data only begin to tell the story of a book which has grown in stature during the decade. Etzioni characterizes Washington as a marketplace where deals are struck, where a special interest group can buy single pieces of legislation or long-run commitments or a whole slew of legislation. Because such purchases are not direct, but elliptical, they fall within the legal system, but for Etzioni, they are beyond the pale of moral or political worthiness. The book provides policy answers to vexing political dilemmas of mass politics today. The volume has been described as "a devastating indictment of our present system of financing elections" (John Anderson); Etzioni has been called "arguably the best political sociologist writing today" (Warren Bennis); and the founder of Common Cause has termed this "a powerful and important book. If it is widely read and understood the nation will benefit" (John Gardner).
Author: T. Harv Eker
Publisher: Harper Collins
Secrets of the Millionaire Mind reveals the missing link between wanting success and achieving it! Have you ever wondered why some people seem to get rich easily, while others are destined for a life of financial struggle? Is the difference found in their education, intelligence, skills, timing, work habits, contacts, luck, or their choice of jobs, businesses, or investments? The shocking answer is: None of the above! In his groundbreaking Secrets of the Millionaire Mind, T. Harv Eker states: "Give me five minutes, and I can predict your financial future for the rest of your life!" Eker does this by identifying your "money and success blueprint." We all have a personal money blueprint ingrained in our subconscious minds, and it is this blueprint, more than anything, that will determine our financial lives. You can know everything about marketing, sales, negotiations, stocks, real estate, and the world of finance, but if your money blueprint is not set for a high level of success, you will never have a lot of money—and if somehow you do, you will most likely lose it! The good news is that now you can actually reset your money blueprint to create natural and automatic success. Secrets of the Millionaire Mind is two books in one. Part I explains how your money blueprint works. Through Eker's rare combination of street smarts, humor, and heart, you will learn how your childhood influences have shaped your financial destiny. You will also learn how to identify your own money blueprint and "revise" it to not only create success but, more important, to keep and continually grow it. In Part II you will be introduced to seventeen "Wealth Files," which describe exactly how rich people think and act differently than most poor and middle-class people. Each Wealth File includes action steps for you to practice in the real world in order to dramatically increase your income and accumulate wealth. If you are not doing as well financially as you would like, you will have to change your money blueprint. Unfortunately your current money blueprint will tend to stay with you for the rest of your life, unless you identify and revise it, and that's exactly what you will do with the help of this extraordinary book. According to T. Harv Eker, it's simple. If you think like rich people think and do what rich people do, chances are you'll get rich too!
Author: Immanuel Wallerstein
Publisher: Univ of California Press
"However one casts up the balance-sheet on Wallerstein's second volume, his effort commands respect and justifies interest in the volumes to follow." --W.W. Rostow, Society "An exciting and highly intelligent book...The staggering pace at which Wallerstein moves over different levels of explanation, and skillfully combines them into his argument, deserves admiration." --Henry Kamen, History "In this age of high specialization, Wallerstein's ambitious but judicious synthesis will command the respect of any scholar who has tried to grapple with the peculiarly intractable problems of this period.:...the book is shot through with shrewd and often stimulating comment." --Charles Wilson, Journal of Modern History
Author: David Harvey
Publisher: Oxford University Press (UK)
"David Harvey examines the internal contradictions within the flow of capital that have precipitated recent crises. While the contradictions have made capitalism flexible and resilient, they also contain the seeds of systemic catastrophe"--
Author: Joint Steering Committee for Revision of AACR.
Publisher: Amer Library Assn
From the impact of the Anglo-American Cataloguing Rules, including amendments, to technology's potential for increasing productivity, you need to keep abreast of the latest changes and the newest innovations. These detailed guides will help you: -- Determine hardware and software needs for technical services workstations -- Accurately catalog material from serials to reproductions to interactive multimedia -- Integrate preservation activities into the acquisition process The essential working tool for catalogers in public, academic, school, and special libraries. Integrates the complete text of the 1978 edition (with corrections) and all changes authorized since 1978 by the Joint Steering Committee. Additions include rules for digital sound recordings and microcomputer software, regulations for certain nonprint and cartographic materials, wider coverage of materials for the visually impaired, and revised appendixes and glossary. Published jointly by the Canadian Library Association and The Library Association, London. The 1993 Amendments are available as a separate packet.
Author: Stewart D. Friedman
Publisher: Wharton Digital Press
Lean in. Opt out. Have it all. None of the above. A new book based on a groundbreaking cross-generational study reveals both greater freedom and new constraints for men and women in their work and family lives. Stew Friedman, founding director of The Wharton School's Work/Life Integration Project, studied two generations of Wharton college students as they graduated: Gen Xers in 1992 and Millennials in 2012. The cross-generational study produced a stark discovery - the rate of graduates who plan to have children has dropped by nearly half over the past 20 years. At the same time, men and women are now more aligned in their attitudes about dual-career relationships, and they are opting out of parenthood in equal proportions. But their reasons for doing so are quite different. In his new book, Baby Bust: New Choices for Men and Women in Work and Family, Friedman draws on this unique research to explain why so many young people are not planning to become parents. He reveals good news, that there is a greater freedom of choice now, and bad, that new constraints are limiting people's options. In light of these present realities, he offers ideas for what we can do as a society, in our organizations, and for ourselves to make it easier for men and women to choose the lives they want. In this book, Friedman addresses: + How views about work and family have changed in the past 20 years + Why men and women have different reasons for opting out of parenthood + How family has been redefined + Why we are all now part of a revolution in work and family + What choices we face in our social and educational policy + How organizations and individuals - especially men - can spur cultural change In the debates on work and family, people of all generations are calling for a reasoned, thoughtful, research-driven contribution to the discussion. In Baby Bust, Friedman offers just that: an astute assessment of how far we have come and where we need to go from here.
Author: Timothy Jerome Kehoe, Edward C. Prescott, Federal Reserve Bank of Minneapolis
This volume's 16 readings, which examine past economic depressions, all apply variations of dynamic general equilibrium models and growth accounting to separate out the causes of changes in output into three input components ? labor, capital, and productivity ? and to assess the efficiency with which these factors of production are used. Using these analytical approaches, contributors attempt to ascertain which factors account for major downturns in economic activity.
Author: Victor Pérez-Díaz
Publisher: Berghahn Books
The nature of the currently emerging European society, which includes the economic and social transformation of Eastern and Central European countries, has been hotly debated. At its center is the relationship between markets and civil society within political and social contexts. The contributors to this volume offer perspectives from various disciplines (the social sciences, conceptual history, law, economics) and from several European countries in order to explore the ways in which markets influence various forms of civil society, such as individual freedom, social cohesion, economic effectiveness and democratic governance, and influence the construction of a civil society in a broader sense.
Author: Paul R. Krugman
Publisher: W. W. Norton
Looks at the economic downturn of the early twenty-first century, declaring it a depression, and outlines the steps that can be taken to reverse the trend and get back on the road to economic recovery.