Buyers and Borrowers

Buyers and Borrowers

Author: Charles D Emery

Publisher: Routledge

Published: 2018-10-24

Total Pages: 218

ISBN-13: 1317940199

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Learn a practical new approach to some long-standing and significant problems that librarians are continually called upon to address, such as: Is the library reaching its target audience? What do shifts in use patterns reflect? How often can users be expected to visit the library on the average? Can users be identified by category by the way they use the library? Author Charles D. Emery takes a close look at some methods which can be used to answer these questions accurately. Using the analogy of repeat buying, which has been shown to follow consistent and regular patterns across a wide range of consumers, brands, products, time periods, and other conditions, Mr. Emery applies the same concepts of research to the investigation and analysis of library use. There are remarkable similarities between library borrowing and consumer purchasing patterns. Thus, not only does the consumer purchasing model provide us with a means of investigating and predicting library user behavior, but it furnishes an appropriate mechanism for the more sophisticated analysis of that behavior through the application of marketing concepts such as product mix and brand switching. By drawing the comparison between library borrowing and consumer purchasing, Mr. Emery has identified what library administrators have hitherto lacked: a readily accessible corpus of theory and practical example upon which to base a coherent and cumulative body of research into the behavior of library users. The results will be useful as input to planning and distribution of resources in matters of budgets, services hours, personnel, and programming.


Introduction to Mortgages and Mortgage Backed Securities

Introduction to Mortgages and Mortgage Backed Securities

Author: Richard K. Green

Publisher: Academic Press

Published: 2013-11-21

Total Pages: 249

ISBN-13: 0124045936

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In Introduction to Mortgages & Mortgage Backed Securities, author Richard Green combines current practices in real estate capital markets with financial theory so readers can make intelligent business decisions. After a behavioral economics chapter on the nature of real estate decisions, he explores mortgage products, processes, derivatives, and international practices. By focusing on debt, his book presents a different view of the mortgage market than is commonly available, and his primer on fixed-income tools and concepts ensures that readers understand the rich content he covers. Including commercial and residential real estate, this book explains how the markets work, why they collapsed in 2008, and what countries are doing to protect themselves from future bubbles. Green's expertise illuminates both the fundamentals of mortgage analysis and the international paradigms of products, models, and regulatory environments. - Written for buyers of real estate, not mortgage lenders - Balances theory with increasingly complex practices of commercial and residential mortgage lending - Emphasizes international practices, changes caused by the 2008-11 financial crisis, and the behavioral aspects of mortgage decision making


Women and Literature in Britain, 1700-1800

Women and Literature in Britain, 1700-1800

Author: Vivien Jones

Publisher: Cambridge University Press

Published: 2000-03-09

Total Pages: 348

ISBN-13: 9780521586801

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This book, first published in 2000, is an authoritative volume of new essays on women's writing and reading in the eighteenth century.


The Loan Guide

The Loan Guide

Author: Casey Fleming

Publisher:

Published: 2014-02-28

Total Pages: 268

ISBN-13: 9780615980706

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Before you take on the largest debt you'll ever have, you should have more - and better - information than you've ever had before. Whether you are a novice or an expert real estate investor this book provides the information you need to finally understand what lending channel, what loan product, and what price point truly fits your need. If you are an engineer looking to dig deeply into the nuts and bolts of how this works you will love the tools and analyses in this book. If you are more interested in just drilling in and getting quick answers, this book is an excellent reference guide with easy-to-find, high quality advice. In order to get the best mortgage possible you need to do five things very well: 1 - Decide whether you should even get a loan in the first place 2 - Choose the best lending channel for your needs 3 - Choose the best loan program for your needs 4 - Choose the best price point for your specific plans 5 - Lock your interest rate at the right time The Loan Guide provides a complete guide to doing all these things well. Finally, The Loan Guide covers how to manage your mortgage in order to keep as much money in your pocket over the course of your lifetime, how to interpret and avoid common marketing gimmicks, and how to use the Excel-based analytical tools used in examples throughout the book. Since 2008 all the rules of lending have changed. The Loan Guide, published in 2014, was written between 2008 and 2014 and updated as it was being written, to reflect the most current rules and guidelines possible. The Loan Guide is current, clear and complete, and you will find it answers exactly the questions you have, and many that you should have but don't know it.


Business Valuation For Dummies

Business Valuation For Dummies

Author: Lisa Holton

Publisher: John Wiley & Sons

Published: 2009-04-22

Total Pages: 379

ISBN-13: 0470523387

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Buying or selling a business? Acquire the tools and learn the methods for accurate business valuation Business valuation is the process of determining the value of a business enterprise or ownership interest. Business Valuation For Dummies covers valuation methods, including advice on analyzing historical performance, evaluating assets and income value, understanding a company's financial statements, forecasting performance; estimating the cost of capital; and cash flow methods of valuation. Written in plain English, this no-nonsense guide is filled with expert guidance that business owners, managers at all levels, investors, and students can use when determining the value of a business. It contains a solid framework for valuation, including advice on analyzing historical performance, evaluating assets and income value, understanding a company's financial statements, estimating the cost of capital, business valuation models, and how to apply those models to different types of businesses. Business Valuation For Dummies takes you step-by-step through the business valuation process, explaining the major methods in an easy-to-understand manner with real-world examples. Inside you'll discover: The value of business valuation, including when it's necessary The fundamental methods and approaches to business valuation How to read a valuation report and financial statements The other players in the valuation process How to decide you're ready to sell -- and the best time to do so The three stages of due diligence: the meet and greet; the hunting and gathering; the once-over How to decide you're ready to buy -- and find the right business for you What due diligence means on the buying side of things When to call in the experts: divorce; estate planning and gifting; attracting investors and lenders This is an essential guide for anyone buying a business, selling a business, participating in a merger or acquisition, or evaluating for tax, loan, or credit purposes. Get your copy of Business Valuation For Dummies to get the information you need to successfully and accurately place a value on any business.


Talmud

Talmud

Author: Various Authors

Publisher: Good Press

Published: 2023-12-16

Total Pages: 4168

ISBN-13:

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Talmud is the central text of Rabbinic Judaism and the primary source of Jewish religious law (halakha) and Jewish theology. The term "Talmud" normally refers to the collection of writings named specifically the Babylonian Talmud (Talmud Bavli). It may also traditionally be called Shas, a Hebrew abbreviation of shisha sedarim, or the "six orders" of the Mishnah. The Talmud consists of tractates and contains the teachings and opinions of thousands of rabbis (dating from before the Common Era through to the fifth century) on a variety of subjects, including halakha, Jewish ethics, philosophy, customs, history, and folklore, and many other topics. The Talmud is the basis for all codes of Jewish law and is widely quoted in rabbinic literature. This version is the new edition of the Babylonian Talmud with original text edited, corrected, formulated and translated into English by Michael L. Rodkinson. Table of Contents Book 1: Tract Sabbath Book 2: Tracts Erubin, Shekalim, Rosh Hashana Book 3: Tracts Pesachim, Yomah and Hagiga Book 4: Tracts Betzah, Succah, Moed Katan, Taanith, Megilla and Ebel Rabbathi or Semahoth Book 5: Tracts Aboth, Derech Eretz-Rabba, Derech Eretz-Zuta, and Baba Kama (First Gate) Book 6: Tract Baba Kama (First Gate), Part II and Tract Baba Metzia (Middle Gate) Book 7: Tract Baba Bathra (Last Gate) Book 8: Tract Sanhedrin: Section Jurisprudence (Damages) Book 9: Tracts Maccoth, Shebuoth, Eduyoth, Abuda Zara, and Horioth Book 10: History of the Talmud