How to Get the Best Home Loan

How to Get the Best Home Loan

Author: W. Frazier Bell

Publisher: John Wiley & Sons

Published: 2002-03-14

Total Pages: 271

ISBN-13: 0471201456

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Save Time and Money-and Get the Loan That's Right for You Ever-changing mortgage guidelines . . . confusing financial forms . . . if you're buying or refinancing a home, you know all too well how overwhelming and intimidating the mortgage process can be. This revised edition of How to Get the Best Home Loan guides you through all the critical issues and demystifies the mechanics of mortgage lending-everything from disclosures and fees to closing costs, points, and making payments. Longtime mortgage banking industry insider and former realtor W. Frazier Bell helps you sidestep the risks of financing a mortgage and sheds light on many unknown aspects that keep borrowers from making intelligent, money-saving decisions. Written in clear, simple language, this comprehensive Second Edition features new information on desktop underwriting, merged credit reports, and using the Internet, as well as updated sections on verifications, qualifying, and loan types. Bell gives you hands-on access to his hard-won experience, providing the tools you need to: * Understand why lenders do the things they do * Learn what to look for when comparing loans and lenders * Head off potential problems and expensive mistakes * Navigate FRMs, ARMs, FHAs, GEMs, and TILs * Know why certain loans may be better for you than others * Save yourself hundreds, even thousands, of dollars Packed with real-life examples, sample forms, and proven advice, How to Get the Best Home Loan, Second Edition will ensure that you get the right loan, at the right price, from the right lender.


How To Get Best Value From HR

How To Get Best Value From HR

Author: Peter Reilly

Publisher: Routledge

Published: 2017-05-15

Total Pages: 213

ISBN-13: 1317120698

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An efficient and cost-effective HR function is essential to the successful running of any organization. And yet for many businesses it is impossible or costly to have HR staff in every office. This is particularly true for companies who have many branches, such as banks and building societies. So what are they to do? Increasingly they are turning to shared services by creating a unit within the organization that typically undertakes personnel administration and basic operational support. This may be delivered to managers and employees through some combination of call centre, personal contact or intranet. Creating a shared services centre enables the HR function to redefine its relationship with its stakeholders. It can become more of a strategic player and make a more business-focused contribution. This book explains what shared services are and what they look like for the HR function. It describes why organizations opt for shared services and what activities are included. It sets out the relationship between shared services and the other HR activities, and between HR and line management. How To Get Best Value From HR outlines the process of introducing shared services, from identifying customer needs through designing the structure to implementation and monitoring. It also outlines the likely pitfalls and, importantly, offers possible solutions. In particular the book highlights the big design issues, including whether to outsource services, where a shared services centre should be located, how services should be delivered and organized, including through the option of e-HR. Crucially it features an extended case study of the Royal Bank of Scotland's experience of introducing HR shared services, providing a unique insight into the reality of this new way of working.


The Donor

The Donor

Author: Helen FitzGerald

Publisher: Faber & Faber

Published: 2011-07-21

Total Pages: 322

ISBN-13: 0571254381

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The Donor, Helen FitzGerald's fifth novel, is a nail-biting psychological thriller about a single dad's horrorfying dilemma. Will, who has given up everything to raise his twin daughters, has a terrible choice to make when both girls suffer kidney failure age 16. Should he save one child? If so, which one? Should he buy a kidney - be an organ tourist? Should he sacrifice himself? Or is there a fourth solution - one so terrible it has never even crossed his mind? Perfect for fans of Julia Crouch, Sophie Hannah and Laura Lippman, The Donor is a gripping thriller about a single dad faced with organ donation as his twin daughters battle to survive. Helen FitzGerald is also the acclaimed author of The Cry, which was longlisted for the Theakstons Old Peculier Crime Novel of the Year award.


The Empowered Patient

The Empowered Patient

Author: Elizabeth S. Cohen

Publisher: Ballantine Books

Published: 2010-08-10

Total Pages: 242

ISBN-13: 0345523113

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The facts are alarming: Medical errors kill more people each year than AIDS, breast cancer, or car accidents. A doctor’s relationship with pharmaceutical companies may influence his choice of drugs for you. The wrong key word on an insurance claim can deny you coverage. Through real life stories, including her own, and shrewd advice, CNN’s Elizabeth Cohen shows you how to become your own advocate and navigate the minefield of today’s health-care system. But there’s good news. Discover how to • find a doctor who “gets” you and listens to you • ask the right questions for the best treatment • make the most out of a short office visit • cut out-of-pocket costs for prescription drugs • harness the power of the Internet for medical issues • fight back when claims are denied Combining the personal stories of patients across America with crucial advice on receiving the best possible health care, this guide will enable you to confront an often confusing and perilous system—and come out ahead.


Kiplinger's Personal Finance

Kiplinger's Personal Finance

Author:

Publisher:

Published: 1999-08

Total Pages: 188

ISBN-13:

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The most trustworthy source of information available today on savings and investments, taxes, money management, home ownership and many other personal finance topics.


Global Operations Strategy

Global Operations Strategy

Author: Yeming Gong

Publisher: Springer Science & Business Media

Published: 2013-07-01

Total Pages: 333

ISBN-13: 3642367089

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While many business schools are teaching Global Operations Strategy with self-made teaching materials, there are no such textbooks. Combining practical approaches with detailed theoretical underpinnings, this book provides theories, tools, frameworks, and techniques for global operations strategy, and brings real world perspectives to students and managers. Each chapter includes definition of key terms, introduction of fundamental theories, several short case examples, one long new case to explain the associated theories, and recommended further reading.


500 Great Ways to Save For Dummies

500 Great Ways to Save For Dummies

Author: The Experts at AARP

Publisher: John Wiley & Sons

Published: 2023-05-09

Total Pages: 183

ISBN-13: 1394184018

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Get smart and start saving—without sacrificing the things you love With high prices for everything from food to gas, how can you make ends meet—and still have enough for the things you love? 500 Great Ways to Save For Dummies is packed with creative ideas for cutting costs in small and big ways, in dozens of categories, ranging from groceries and healthcare to education, travel, and major purchases. This fun book helps you get into a saving mindset, know where your money goes, and whittle down debt. These quick tips are so easy you can start saving today! Reduce everyday costs of groceries, restaurant meals, gas, utilities, home maintenance, healthcare, and insurance Save money on fitness, pet care, entertainment, and all your hobbies Cut costs on big-ticket items including vacations, cars, and appliances Find free stuff, special discounts, and money-saving apps This is the only book you need to save money throughout the year!


A World Made for Money

A World Made for Money

Author: Bret Wallach

Publisher: U of Nebraska Press

Published: 2015-05-01

Total Pages: 489

ISBN-13: 080329896X

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A spirited and incisive survey of economic geography, A World Made for Money begins with the author stopped at a red light in Norman, Oklahoma. Observing the landscape of drugstores and banks, and for that matter the stoplight and roads themselves, Bret Wallach observes, “Everything I see has been built to make money” or, at the very least, to facilitate making money. This, he argues, is a global phenomenon that nonetheless has occurred only within the past hundred years or so. Although guidebooks and culture brokers often disparage these landscapes of commerce, Wallach—recipient of a MacArthur “genius grant”—argues that we would do well to pay them close attention. A World Made for Money provides a compelling, condensed tour of our world. From Silicon Valley to Sri Lanka, from post-Soviet Russia to post-apartheid South Africa, Wallach looks at how human beings are buying, manufacturing, working, growing and shipping food, and accessing the natural resources to fuel it all. These essential facets of daily life, propelled by the profit motive, represent a transnational force shaping our surroundings and environment in ways that may not always be beautiful (or even healthy) but that are fundamental to understanding how the world works in the twenty-first century. Wallach examines the relationship between acquisitiveness and landscape, reveals surprising contradictions and nuances, and provides fresh perspective on politically charged topics such as sprawl, deindustrialization, and agribusiness.


Billboard

Billboard

Author:

Publisher:

Published: 2002-07-27

Total Pages: 84

ISBN-13:

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In its 114th year, Billboard remains the world's premier weekly music publication and a diverse digital, events, brand, content and data licensing platform. Billboard publishes the most trusted charts and offers unrivaled reporting about the latest music, video, gaming, media, digital and mobile entertainment issues and trends.