Why Can't You Afford a Home?

Author: Josh Ryan-Collins
Publisher: John Wiley & Sons
ISBN: 1509523294
Category : Political Science
Languages : en
Pages : 140

Book Description
Throughout the Western world, a whole generation is being priced out of the housing market. For millions of people, particularly millennials, the basic goal of acquiring decent, affordable accommodation is a distant dream. Leading economist Josh Ryan-Collins argues that to understand this crisis, we must examine a crucial paradox at the heart of modern capitalism. The interaction of private home ownership and a lightly regulated commercial banking system leads to a feedback cycle. Unlimited credit and money flows into an inherently finite supply of property, which causes rising house prices, declining home ownership, rising inequality and debt, stagnant growth and financial instability. Radical reforms are needed to break the cycle. This engaging and topical book will be essential reading for anyone who wants to understand why they can’t find an affordable home, and what we can do about it.

How to Buy a Home When You Can't Afford It

Author: Robert Irwin
Publisher: McGraw Hill Professional
ISBN: 9780071385183
Category : Business & Economics
Languages : en
Pages : 248

Book Description
This latest book from real estate author Irwin brings a ray a hope those who dream of owning their own homes but aren't sure they can afford one or lack the "official" financial qualifications for a mortgage.

Squeezed

Author: Alissa Quart
Publisher: HarperCollins
ISBN: 0062412272
Category : Social Science
Languages : en
Pages : 326

Book Description
One of TIME’s Best New Books to Read This Summer “Brilliant—a keen, elegantly written, and scorching account of the American family today. Through vivid stories, sharp analysis and wit, Quart anatomizes the middle class’s fall while also offering solutions and hope.” — Barbara Ehrenreich, author of Nickel and Dimed Families today are squeezed on every side—from high childcare costs and harsh employment policies to workplaces without paid family leave or even dependable and regular working hours. Many realize that attaining the standard of living their parents managed has become impossible. Alissa Quart, executive editor of the Economic Hardship Reporting Project, examines the lives of many middle-class Americans who can now barely afford to raise children. Through gripping firsthand storytelling, Quart shows how our country has failed its families. Her subjects—from professors to lawyers to caregivers to nurses—have been wrung out by a system that doesn’t support them, and enriches only a tiny elite. Interlacing her own experience with close-up reporting on families that are just getting by, Quart reveals parenthood itself to be financially overwhelming, except for the wealthiest. She offers real solutions to these problems, including outlining necessary policy shifts, as well as detailing the DIY tactics some families are already putting into motion, and argues for the cultural reevaluation of parenthood and caregiving. Writtenin the spirit of Barbara Ehrenreich and Jennifer Senior, Squeezed is an eye-opening page-turner. Powerfully argued, deeply reported, and ultimately hopeful, it casts a bright, clarifying light on families struggling to thrive in an economy that holds too few options. It will make readers think differently about their lives and those of their neighbors.

New Minimalism

Author: Cary Telander Fortin
Publisher: National Geographic Books
ISBN: 1632171325
Category : House & Home
Languages : en
Pages : 0

Book Description
The decluttering craze meets a passion for sustainable living and interior design in this gorgeous new book for readers of The Life-Changing Magic of Tidying Up This book promises an opportunity for self-reflection and lasting change, by getting to the bottom of why we've accumulated too much stuff in the first place, therefore allowing us to transform our lives. Professional decluttering and design team Cary and Kyle of New Minimalism will take you through every step, from assessing your emotional relationship to your stuff to decluttering your home to then turning it into a beautifully designed space that feels clean and tidy without feeling sparse or prescriptive. And all of this without filling up a landfill—you'll find resources and strategies to donate and reuse your stuff so you don't have to feel guilty about getting rid of it!

Zillow Talk

Author: Spencer Rascoff
Publisher: Grand Central Publishing
ISBN: 1455574767
Category : Business & Economics
Languages : en
Pages : 286

Book Description
How do you spot an area poised for gentrification? Is spring or winter the best time to put your house on the market? Will a house on Swamp Road sell for less than one on Gingerbread Lane? The fact is that the rules of real estate have changed drastically over the past five years. To understand real estate in our fast-paced, technology-driven world, we need to toss out all of the outdated truisms and embrace today's brand new information. But how? Enter Zillow, the nation's #1 real estate website and mobile app. Thanks to its treasure trove of proprietary data and army of statisticians and data scientists, led by chief economist Stan Humphries, Zillow has been able to spot the trends and truths of today's housing market while acknowledging that a home is more than an economic asset. In Zillow Talk, Humphries and CEO Spencer Rascoff explain the science behind where and how we live now and reveal practical, data-driven insights about buying, selling, renting and financing real estate. Read this book to find out why: It's better to remodel your bathroom than your kitchen Putting the word "cute" in your listing could cost you thousands of dollars You shouldn't buy the worst house in the best neighborhood You should never list your house for $444,000 You shouldn't list your house for sale before March Madness or after the Masters Densely packed with entertaining anecdotes and invaluable how-to advice, Zillow Talk is poised to be the real estate almanac for the next generation.

Rethinking the Economics of Land and Housing

Author: Josh Ryan-Collins
Publisher: Zed Books Ltd.
ISBN: 1786991217
Category : Business & Economics
Languages : en
Pages : 306

Book Description
Why are house prices in many advanced economies rising faster than incomes? Why isn’t land and location taught or seen as important in modern economics? What is the relationship between the financial system and land? In this accessible but provocative guide to the economics of land and housing, the authors reveal how many of the key challenges facing modern economies - including housing crises, financial instability and growing inequalities - are intimately tied to the land economy. Looking at the ways in which discussions of land have been routinely excluded from both housing policy and economic theory, the authors show that in order to tackle these increasingly pressing issues a major rethink by both politicians and economists is required.

Why We Can't Afford the Rich

Author: Andrew Sayer
Publisher: Policy Press
ISBN: 1447320867
Category : Business & Economics
Languages : en
Pages : 456

Book Description
Even as inequalities widen, the effects of austerity deepen, and the consequences of recession linger, in many countries the wealth of the rich has soared. Why We Can't Afford the Rich exposes the unjust and dysfunctional mechanisms that allow the top 1% to siphon off wealth produced by others through the control of property and money. Leading social scientist Andrew Sayer shows how over the past three decades the rich worldwide have increased their ability to hide their wealth, create indebtedness, and expand their political influence. Aimed at all engaged citizens, this important and accessible book uses simple distinctions to burst the myth of the rich as especially talented wealth creators. But more than this, as the risk of runaway climate change grows, it shows how the rich are threatening the planet by banking on unsustainable growth. Forcefully arguing that the crises of economy and climate can only be resolved by radical change, Sayer makes clear that we must make economies sustainable, fair, and conducive to well being for all.

Can Science Make Sense of Life?

Author: Sheila Jasanoff
Publisher: John Wiley & Sons
ISBN: 1509522743
Category : Science
Languages : en
Pages : 110

Book Description
Since the discovery of the structure of DNA and the birth of the genetic age, a powerful vocabulary has emerged to express science’s growing command over the matter of life. Armed with knowledge of the code that governs all living things, biology and biotechnology are poised to edit, even rewrite, the texts of life to correct nature’s mistakes. Yet, how far should the capacity to manipulate what life is at the molecular level authorize science to define what life is for? This book looks at flash points in law, politics, ethics, and culture to argue that science’s promises of perfectibility have gone too far. Science may have editorial control over the material elements of life, but it does not supersede the languages of sense-making that have helped define human values across millennia: the meanings of autonomy, integrity, and privacy; the bonds of kinship, family, and society; and the place of humans in nature.

The No Spend Year

Author: Michelle McGagh
Publisher: Coronet
ISBN: 9781473652156
Category : Business & Economics
Languages : en
Pages : 0

Book Description
Personal finance journalist, Michelle McGagh, takes on a challenge to not spend money for a whole year in an engaging narrative that combines personal experience with accessible advice on money so you can learn to spend less and live more. Michelle McGagh has been writing about money for over a decade but she was spending with abandon and ignoring bank statements. Just because she wasn't in serious debt, apart from her massive London mortgage, she thought she was in control. She wasn't. Michelle's took a radical approach and set herself a challenge to not spend anything for an entire year. She paid her bills and she has a minimal budget for her weekly groceries but otherwise Michelle spent no money at all. She found creative ways to live have a social life and to travel for free. She has saved money but more importantly she is happier. Her relationship with money, with things, with time, with others has changed for the better. The No Spend Year is Michelle's honestly written and personal account of her challenge. But it is more than that, it is also a tool for life. There are top tips for your own finances including easy to understand advice on interest, mortgages, savings , pensions and spending less to help you live a more financially secure life.

Can I Retire Yet?

Author: Darrow Kirkpatrick
Publisher: StructureByDesign
ISBN: 9780989283021
Category :
Languages : en
Pages : 276

Book Description
You've worked hard, lived carefully, and saved diligently. You've reached major milestones and accumulated more assets than you dreamed possible, and yet you hesitate. ""Can I retire?"" This book will help answer that question by showing you.... The tools you need to live a secure and independent retirement, without worrying about money What you must know before leaving a career behind How much it will cost you to live in retirement, and how to manage your cash flow The current choices for retirement health care, including lesser-known but effective options The threat from inflation: two secrets that politicians and bankers will never admit A realistic assessment of the impact that income taxes will have on your retirement Social Security's role in your retirement: when you should claim and how much it's worth to you How to construct and manage an investment portfolio for income and growth in retirement About immediate annuities and why you need multiple sources of retirement income The key variables and unknowns in your retirement withdrawal equation Reviews of the best retirement calculators, and tips for how to use them accurately Beyond the simplistic 4% Rule to the latest research on safe withdrawal rates Realistic bracketing of your retirement savings needs, without over caution or overconfidence The history of economic cycles and the related asset classes for optimal retirement security A survey of strategies plus original research for how to orchestrate your retirement distributions A practical "retirement fuel gauge" alerting you to problems while you still have time to act Backup plans: the "lifeboat strategies" for ensuring you'll never be without essential income The 6 crucial questions to answer before you can retire The one, simple, powerful, non-financial reason that you can and should retire earlier than later