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Technical Communication (11th Edition) (MyTechCommLab Series)

Author : John M. Lannon Edition : 11 Number of Pages : 800 Publisher : Longman

Product Description

Ten editions ago, John Lannon's Technical Communication changed the study of technical communication, and in a new edition, the book reinvents the study of today's communication. Addressing a wide range of interests for students from a variety of majors, the Eleventh Edition of Technical Communication has been updated and streamlined throughout and includes a variety of new Checklists and Guidelines, as well as a unique chapter focused on usability.

Understanding Human Communication

Author : Ronald B. Adler Edition : 10 Number of Pages : 496 Publisher : Oxford University Press, USA

Product Description

Now in its tenth edition, Understanding Human Communication continues to build on the widely successful approach--a sophisticated balance of theory and skills--that has captivated more than a half million students and their professors. The best-selling introductory communication book in the field, this classic text has been enriched and streamlined to reflect the latest research developments and to meet the evolving needs of students. It begins with an introduction to the basic elements of communication, providing students with a solid understanding of perception, language, listening, and nonverbal communication. Next, the book guides them through lively sections on interpersonal communication, small group communication, and public address.
Esteemed authors Ronald B. Adler and George Rodman speak to students in language that is both engaging and accessible, offering numerous examples that clearly illustrate concepts in real-life scenarios. Throughout, they draw from the latest media, culture, technology, and scholarship to create a distinctive pedagogy that gives students the tools they need to master--and enjoy--this intriguing and relevant subject.
With its striking visual presentation, comprehensive classroom supplements, and dedicated student-focused pedagogy, Understanding Human Communication continues to enliven classrooms and equip students with effective communication skills that will make a difference in their everyday lives.
New to the tenth edition:
* "Media Room" boxes analyze examples from popular films and television shows, in order to illustrate important communication concepts, from drama (Grey's Anatomy) to comedy (Little Miss Sunshine) to documentary (An Inconvenient Truth).
* "Understanding Diversity" and "Understanding Technology" boxes incorporate new, incisive examples that convey key ideas.
* New and updated coverage of culture and technology is integrated throughout.
* Thought-provoking Case Studies now wrap up each unit, presenting real-life communication challenges that students might encounter on the job, in school, and in personal relationships.
* All-new Sample Speeches include full outlines and commentary from students and the authors.
* The Interviewing Appendix now addresses the needs of students entering the workforce, featuring pre-interview strategies, examples of questions that potential employers may and may not legally ask, and behavioral interviews.
The text is accompanied by a Student Success Manual, an Instructor's Manual and Test Bank, a comprehensive companion website at www.oup.com/us/uhc10, and Now Playing, a vibrant resource (available both online and in print) that examines contemporary films through the lens of communication principles.

Essentials of Business Communication (with www.meguffey.com Printed Access Card)

Author : Mary Ellen Guffey Edition : 8 Number of Pages : 544 Publisher : South-Western College Pub

Product Description

This cost-effective textbook/workbook/handbook presents a streamlined approach to business communication that includes comprehensive Web resources and unparalleled author support for instructors and students. ESSENTIALS provides a four-in-one learning package: (1) authoritative text, (2) practical workbook, (3) self-teaching grammar/mechanics handbook, and (4) premium Web site (www.meguffey.com). Especially effective for students with outdated or inadequate language skills, ESSENTIALS offers extraordinary digital and printed exercises to help students build confidence as they review grammar, punctuation, and writing guidelines. Textbook chapters teach basic writing skills and then apply these skills to a variety of e-mails, memos, letters, reports, and resumes. Realistic model documents and structured writing assignments build lasting workplace skills. The Eighth Edition of this award-winning favorite features increased coverage of professionalism, employment communication, and communication technology in the workplace.

Real Estate Lending in the New Millennium: The Sub-prime Market

Author : J. D. Alvarez Number of Pages : 378 Publisher : Red Lead Press

Product Description

This book was designed by the author for persons new to the mortgage lending industry or those simply interested in the field itself. The reader will find that they do not have to read a variety of books to access information from the beginning of the lending process to the end of it. This book will cover all facets of the lending process.

This book was specifically put together in a manner to address what is known as the ''Sub-Prime Market''. With this in mind, the design and flow makes this book conducive to self-education and enables the reader to better understand the principals of the lending process.

The reader will also be able to breakdown formula's used by underwriter's by having practical real use explanations, in addition there will be some background on underwriting practices. The reader will also find explanations on phrase's, forms, acronyms and certain terms that the reader is likely to encounter while working within the mortgage industry.

This information provided will assist the reader in area's such as origination, underwriting, underwriting approvals, the ''closing'' as well as the Secondary Marketing/ Conduit sales process. Other useful information within the book will assist the reader in better understanding contracts, trusts and other legal documents and terms that the reader may directly or indirectly encounter as it relates to the lending process.

Navigating the Subprime Lending Industry: Leading Lawyers on the Subprime Collapse, the Causes of the Current Lending Climate, and the Industry's Pending Future (Inside the Minds)

Author : Aspatore Books Staff Number of Pages : 128 Publisher : Aspatore Books

Product Description

Navigating the Subprime Lending Industry is an authoritative, insider's perspective on causes and consequences of the subprime market collapse of 2007. Featuring partners from some of the nation's leading law firms, these experts guide the reader through the timeline of major subprime lending events, from the growth of the market in the mid to late 1990s to the lasting effects of its crash to potential future reforms. These top lawyers give tips on how to interpret subprime's impact on clients, businesses, and corporations by assessing exposure and developing, implementing, monitoring, and adjusting a response plan. Additionally, these leaders speculate on the political response to this crash and the ramifications of possible legislative action. The different niches represented and the breadth of perspectives presented enable readers to get inside some of the great legal minds of today, as these experienced lawyers offer up their thoughts around the keys to overcoming this major setback in the financial services industry.

Inside the Minds provides readers with proven business intelligence from C-Level executives (Chairman, CEO, CFO, CMO, Partner) from the world's most respected companies nationwide, rather than third-party accounts from unknown authors and analysts. Each chapter is comparable to an essay/thought leadership piece and is a future-oriented look at where an industry, profession, or topic is headed and the most important issues for the future. Through an exhaustive selection process, each author was hand-picked by the Inside the Minds editorial board to author a chapter for this book.

Chapters Include:

1. Peter W. Ito, Partner, Gordon & Rees LLP - "Fallout and Survival in the Subprime Crisis"

2. Seth E. Pierce and Andrew Katz, Partners, Mitchell Silberberg & Knupp LLP - "Trading One Crisis for Another: How Certain Proposed "Reforms" Could Turn the Subprime Crisis into a Constituitional One"

3. Sharon L. Nelles, Partner, Sullivan & Cromwell LLP - "Understanding Subprime Lending, Securitization, and the Causes of the Subprime Meltdown"

4. Van C. Durrer II, Partner, Skadden, Arps, Slate, Meagher & Flom LLP - "From Boom to BOOM! : The Explosive Growth of the Subprime Crisis in 2007"

5. Howard Mulligan, Partner, McDermott Will & Emery LLP - "The Road That Has Lead Us Here"

6. John F. McCarrick, Partner, Edwards Angell Palmer & Dodge LLP - "Insurance Coverage and the Subprime Mess: Who Pays the Cleanup Costs?"

7. Peter D. Hawkes, Attorney, Lane Powell PC - "Legal Fallout of the Subprime Mortgage Crisis"

Appendices include:
Appendix A: Congressional Bills Proposing Changes to Chapter 13 to Allow Greater Modification of Home Mortgages
Appendix B: Congressional Bills Adopting Other Approaches for Addressing the Subprime Crisis
Appendix C: Using an E-Room to Satisfy Insurer Cooperation Obligations
Appendix D: Sample Interim Non-Waiver and Defense Funding Agreement

Subprime Factor

Author : Jeffrey D. Schlaman Number of Pages : 280 Publisher : Synergy Books

Product Description

Doug Boyd has spent ten years sacrificing his social life and dignity to his accounting job, for little reward. So when his boss pressures him to ignore some suspicious numbers on a high-profile audit, he refuses to bend the rules. Ignoring his boss's veiled threats, he goes on a weekend camping trip with three old college buddies--and narrowly escapes a hit man.

Now Doug and his three friends--an FBI agent on the edge, a college economics instructor and conspiracy theorist, and a slick real estate broker--are caught in a tangled conspiracy that spawned the creation of the Federal Reserve Bank. A shadowy collective of representatives from the nation's most powerful financial companies and government agencies is colluding to "erase" the massive economic mistakes that caused the credit crunch and collapse of the recent housing bubble. Doug and his friends must fight to gather the evidence and blow the cover on the conspiracy before it ruins what's left of their careers and their lives.

Subprime Mortgages: America's Latest Boom and Bust

Author : Edward M. Gramlich Edition : 1st Number of Pages : 120 Publisher : Urban Institute Press

Product Description

Over the past decade, a new mortgage market offering loans at low interest rates and for little or no money down has given low-income people an opportunity to pursue the American dream of homeownership. The resulting wave in home buying promised to stabilize neighborhoods and families, boost the economy, and reduce crime. In many ways, the optimists were correct, but now, less than fifteen years later, the subprime mortgage market is collapsing, threatening to take the rest of the housing sector along with it.
Subprime Mortgages: America's Latest Boom and Bust analyzes how the subprime market emerged, why it is in crisis, and how we can reform public policy to avert disaster. An attendant examination of the rental market also offers recommendations for shoring up what may be the best housing option for some families.

Predatory Bender: A Story of Subprime Finance

Author : Matthew Lee Number of Pages : 456 Publisher : Inner City Press

Product Description

Financial Regulation after the Subprime and Credit Crisis

Financial Regulation after the Subprime and Credit Crisis

Author : Morris Goldstein Edition : 1 New Number of Pages : 144 Publisher : Peterson Institute

Understanding the Securitization of Subprime Mortgage Credit

Author : Adam B. Ashcraft Number of Pages : 132 Publisher : Now Publishers Inc

Product Description

? How does one securitize a pool of mortgages, especially subprime mortgages? ? What is the process from origination of the loan or mortgage to the selling of debt instruments backed by a pool of those mortgages? ? What problems creep up in this process, and what are the mechanisms in place to mitigate those problems? Understanding the Securitization of Subprime Mortgage Credit seeks to answer all of these questions. It provides an overview of the market and some of the key players, and provides an extensive discussion of the important role played by the credit rating agencies. Understanding the Securitization of Subprime Mortgage Credit provides a broad description of the securitization process and pays special attention to seven key frictions that need to be resolved. Several of these frictions involve moral hazard, adverse selection and principal-agent problems. The authors provide an overview of subprime mortgage credit with a focus on the subprime borrower and the subprime loan and discuss how predatory lending and predatory borrowing fit into the picture. Next, the authors examine subprime mortgage-backed securities and discuss the key structural features of a typical securitization. The last section examines credit rating and rating monitoring process, and the extent to which investors rely upon on credit rating agencies views.

Subprime Meltdown: From U.S. Liquidity Crisis to Global Recession

Author : Charles Brownell Number of Pages : 116 Release Date : 2008-07-16 Publisher : CreateSpace

Product Description

Why are there so many foreclosures? Why would banks, the pillars of fiscal responsibility and risk aversion, lend money to people who couldn't afford to repay their loans? How did Wall Street manage to hide the risk and sell the subprime mortgages? How did the subprime mortgage business unravel and evolve into a worldwide liquidity crisis? What are the frauds and scams, how do they work and what should you be aware of? What is the forecast for the future and what conclusions can be drawn? You will find the answers to all of these questions and more in this book. It is an easy-to-understand and easy-to-read collection of analyses, stories and experiences about the real estate business, the mortgage business and the subprime market in particular.

From subprime crisis to credit crunch: when the foreclosure-crisis story took over the nightly news and the nation's headlines, it required an unusual ... An article from: Mortgage Banking

Format : HTML Author : Dona DeZube Number of Pages : 14 Release Date : 2007-09-27 Publisher : Thomson Gale

Product Description

This digital document is an article from Mortgage Banking, published by Thomson Gale on August 1, 2007. The length of the article is 4071 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: From subprime crisis to credit crunch: when the foreclosure-crisis story took over the nightly news and the nation's headlines, it required an unusual response. The industry sought to bring some measure of reason to the emotional debate.(Cover Report: Delinquency/Default Management)
Author: Dona DeZube
Publication: Mortgage Banking (Magazine/Journal)
Date: August 1, 2007
Publisher: Thomson Gale
Volume: 67 Issue: 11 Page: 40(6)

Distributed by Thomson Gale

The Subprime Solution: How Today's Global Financial Crisis Happened, and What to Do about It

Author : Robert J. Shiller Number of Pages : 208 Publisher : Princeton University Press

Product Description

The subprime mortgage crisis has already wreaked havoc on the lives of millions of people and now it threatens to derail the U.S. economy and economies around the world. In this trenchant book, best-selling economist Robert Shiller reveals the origins of this crisis and puts forward bold measures to solve it. He calls for an aggressive response--a restructuring of the institutional foundations of the financial system that will not only allow people once again to buy and sell homes with confidence, but will create the conditions for greater prosperity in America and throughout the deeply interconnected world economy.

Shiller blames the subprime crisis on the irrational exuberance that drove the economy's two most recent bubbles--in stocks in the 1990s and in housing between 2000 and 2007. He shows how these bubbles led to the dangerous overextension of credit now resulting in foreclosures, bankruptcies, and write-offs, as well as a global credit crunch. To restore confidence in the markets, Shiller argues, bailouts are needed in the short run. But he insists that these bailouts must be targeted at low-income victims of subprime deals. In the longer term, the subprime solution will require leaders to revamp the financial framework by deploying an ambitious package of initiatives to inhibit the formation of bubbles and limit risks, including better financial information; simplified legal contracts and regulations; expanded markets for managing risks; home equity insurance policies; income-linked home loans; and new measures to protect consumers against hidden inflationary effects.

This powerful book is essential reading for anyone who wants to understand how we got into the subprime mess--and how we can get out.

Plunder: Investigating Our Economic Calamity and the Subprime

Author : Danny Schechter Number of Pages : 240 Publisher : Cosimo Books

Product Description

DANNY SCHECHTER, "The News Dissector" has spent decades as a truth teller in the media, with leading media companies and as an independent filmmaker with the award-winning independent company Globalvision. A graduate of Cornell and the London School of Economics, Schechter was a Nieman Fellow at Harvard and a multiple Emmy Award winner at ABC News, where he was among the first to cover the S&L crisis. In 2007, his film IN DEBT WE TRUST wasthe first to expose Wall Street's connection to subprime loans, predicting the economic crisis that this book investigates. Schechter is a blogger, editor of Mediachannel.org, and author of nine books. He has reported from 53 countries, and lives in Gotham. He owns no derivatives or tranches.

Subprime Mortgage Credit Derivatives (Frank J. Fabozzi Series)

Author : Laurie S. Goodman Number of Pages : 334 Publisher : Wiley

Product Description

Mortgage credit derivatives are a risky business, especially of late. Written by an expert author team of UBS practitioners-Laurie Goodman, Shumin Li, Douglas Lucas, and Thomas Zimmerman-along with Frank Fabozzi of Yale University, Subprime Mortgage Credit Derivatives covers state-of-the-art instruments and strategies for managing a portfolio of mortgage credits in today's volatile climate.

Divided into four parts, this book addresses a variety of important topics, including mortgage credit (non-agency, first and second lien), mortgage securitizations (alternate structures and subprime triggers), credit default swaps on mortgage securities (ABX, cash synthetic relationships, CDO credit default swaps), and much more. In addition, the authors outline the origins of the subprime crisis, showing how during the 2004-2006 period, as housing became less affordable, origination standards were stretched-and when home price appreciation then turned to home price depreciation, defaults and delinquencies rose across the board.

The recent growth in subprime lending, along with a number of other industry factors, has made the demand for timely knowledge and solutions greater than ever before, and this guide contains the information financial professionals need to succeed in this challenging field.

Financial Shock A 360^(o) Look at the Subprime Mortgage Implosion, and How to Avoid the Next Financial Crisis

Author : Mark Zandi Edition : 1 Number of Pages : 288 Publisher : FT Press

Product Description

From the Back Cover

The subprime financial crisis is the decade's #1 financial story. What happened? How did it occur? And how can we prevent similar crises from happening again? Dr. Mark Zandi answers all these critical questions - systematically, carefully, and in plain English. Zandi begins with a fast-paced "history" of the crisis: where it started, how it spread, and where the fallout has landed. Next, he illuminates its deepest causes, ranging from the psychology of homeownership to Alan Greenspan's missteps. You'll watch the "flippers" at work and the real estate agents who cheered them on. You'll learn how Internet technology and access to global capital transformed mortgage lending, helping irresponsible lenders "drive out" good ones. Zandi demystifies the complex financial engineering that enabled lenders to hide growing risks and shows how global investors eagerly bought in, despite key warning signs. You'll discover how homebuilders contributed to the crisis, and how flummoxed regulators and policymakers failed to prevent it. Zandi offers indispensable advice for investors who must recognize emerging bubbles, policymakers who must improve oversight and citizens who must reduce their risks, so they can survive whatever comes next.

Subprime Consumer Lending (Frank J. Fabozzi Series)

Edition : 1 Number of Pages : 190 Publisher : Wiley

Product Description

The subprime lending market is growing rapidly due to the use of securitization and the attempts of lending institutions to boost their client pool. This book gives readers a working, up-to-date knowledge of subprime consumer lending. It provides a guide to the concept of credit risk as it relates to lending practices, risk-based and risk-adjusted pricing, credit scoring, collection methodology, credit card services, auto loans, several aspects of securitization of subprime assets, and recent developments in the United Kingdom.

Confessions of a Subprime Lender: An Insider's Tale of Greed, Fraud, and Ignorance

Author : Richard Bitner Number of Pages : 208 Publisher : Wiley

Product Description

Former subprime lender Richard Bitner once worked in an industry that started out helping disadvantaged customers but collapsed due to greed, lack of financial control and willful ignorance. In Confessions of a Subprime Lender: An Insider's Tale of Greed, Fraud, and Ignorance, he reveals the truth about how the subprime lending business spiraled out of control, pushed home prices to unsustainable levels, and turned unqualified applicants into qualified borrowers through creative financing. Learn about the ways the mortgage industry can be fixed with his twenty suggestions for critical change.

Construction Funding: The Process of Real Estate Development, Appraisal, and Finance

Author : Nathan S. Collier Edition : 4 Number of Pages : 544 Publisher : Wiley

Product Description

The Fourth Edition of the classic Construction Funding acquaints professionals and students alike with the critical tools needed for developing any successful real estate venture. Using a case example of an actual apartment development, Construction Funding walks the reader through each phase of the project, offering invaluable guidance on selecting markets, rating sites, choosing construction professionals, raising capital, understanding financing options, and mastering cash flow management.

Real Estate Riches: How to Become Rich Using Your Banker's Money

Author : Dolf de Roos Edition : 1 Number of Pages : 224 Publisher : Wiley

Product Description

An all-time bestseller, Dolf de Rooss classic Real Estate Riches shows you how to find great deals and make great profits in the real estate market. Youll learn why real estate is such a reliable moneymaker and how to achieve the biggest return possible on your investment. Full of time-honored wisdom, proven tactics, and quick-and-easy tips, this book shows you how to find the best properties with the most potential, analyze deals, negotiate and submit offers, effectively manage properties, and dramatically increase the value of your real estate without spending much money. If you want to be your own boss and quit the nine-to-five life, Real Estate Riches shows you how.