California real estate finance

California's unique financing system makes it vital for real estate professionals to understand the many options available to homebuyers. Combining state specific information with sound finance principals, this easy to read text explores the impact of financial markets on real estate transactions and discusses the growing role of technology in financing. Chapters include: * Introduction * Lesson Assignments * Chapter One: Nature and Cycle of California Real Estate Finance. * Chapter Two: Money and the Monetary System * Chapter Three: Fiduciary Sources For Real Estate Finance. * Chapter Four: Semifiduciary and Nonfiduciary Sources for Real Estate Finance. * Chapter Five: Conventional, Insured and Guaranteed Loans. * Chapter Six: Federal and State Financial Regulations and Lending Programs. * Chapter Seven: Junior Real Estate Finance * Chapter Eight: Contemporary Real Estate Finance * Chapter Nine: Instruments of Real Estate Finance * Chapter Ten: Real Estate Loan Underwriting * Chapter Eleven: Processing Real Estate Loans * Chapter Twelve: The Secondary Mortgage and Trust Deed Markets. * Chapter Thirteen: Defaults and Foreclosures * Chapter Fourteen: Investment Financing Strategies * Chapter Fifteen: Mathematics of Real Estate Finance There are also exams and answer keys (PIN Access Only) plus a chapter quiz at the end of each chapter.

California Real Estate Finance

Business & Money

Sirota, David

Lush, Minnie

Real Estate

Real Estate Education Co.

Enthusiastic employees far out-produce and outperform the average workforce:they step up to do the hard, even 'impossible' jobs. Most people are enthusiastic when they're hired: hopeful, ready to work hard, eager to contribute. What happens? Management, that's what. The authors tell you what managers do wrong, and what they need to do instead. It's about giving workers what they want most, summarized in the Three-Factor Theory: to be treated fairly; to feel proud of their work and organizations; and to experience camaraderie. Sounds simple, but every manager knows how tough it can be. Nostrums, fads, and quick and easy solutions have abounded in the management literature, but swiftly go out of style when they fail to meet the test in the workplace. The authors provide research-grounded answers to crucial questions such as: Which leadership and management practices can have the greatest positive performance impact? What does employee satisfaction really mean? What's the relationship between employee satisfaction, customer loyalty, and profit? Sirota and his colleagues detail exactly how to create an environment where enthusiasm flourishes and businesses grow.

The Enthusiastic Employee: How Companies Profit by Giving Workers What They Want

Mischkind, Louis A.

Meltzer, Michael Irwin

Skills

Wharton School Pub

This book is about employee enthusiasm: that special, invigorating, purposeful and emotional state that’s always present in the most successful organizations. Most people are enthusiastic when they’re hired: hopeful, ready to work hard, eager to contribute. What happens? Management, that’s what. The Enthusiastic Employee is an action-oriented book that helps companies obtain more from workers - the basic premise is that under the right kind of leadership, the more one side wins in a collaborative relationship, the more for the other side. The book is heavily evidence-based (using extensive employee survey data) and lays out two basic ideas: the “Three-Factor Theory” of human motivation at work and the “Partnership” company culture that is based on the Three-Factor Theory and that, by far, brings out the best in people as they respond with enthusiasm about what they do and the company they do it for. Drawing on research with 13,000,000+ employees in 840+ companies, The Enthusiastic Employee, Second Edition tells you what managers (from first-line supervisor to senior leadership) do wrong. Then it tells you something much more important: what to do instead. David Sirota and Douglas Klein detail exactly how to create an environment where enthusiasm flourishes and businesses excel. Extensively updated with new research, case studies, and techniques (they have added over 8.6 million employees and over 400 companies to their analyses ), it now contains a detailed study of Mayo Clinic, one of the world’s most effective healthcare organizations and a true representation of the principle of partnership, as well as more in-depth descriptions of private sector exemplars of partnership, such as Costco. Other new chapters include: how the Great Recession really impacted workers’ morale (bottom-line, it didn’t) and how to build a true Partnership Culture that starts with senior leadership. They now debunk fashionable theories of worker “generations” (Baby Boomers, Gen X, Y, etc.) as mostly nonsense… clarify what they’ve learned about making business ethics and corporate social responsibility actionable… share what research on merit pay (pay for individual performance) tells us about its likely impact on school teachers and performance (not good)…discuss the utility of teleworking (and the dust-up at Yahoo)…offer compelling, data-informed insights about women and minorities in the workplace, and much more. You can have enthusiastic employees, and it does matter – more than it ever has. Whether you’re a business leader, HR/talent management professional, or strategist, that’s the workforce you need – and this is the book that will help you get it.

Klein, Douglas A.

Ft Pr

Enthusiastic Employee, The: How Companies Profit by Giving Workers What They Want

Klein, Douglas

Pearson FT Press

Enthusiastic Employee, The

Management & Leadership

Ft Press

Do you ever wonder if there’s a connection between the corruption scandals in the news and the steady decline in the quality of life for millions of Americans? Do you ever wonder what corporations get for the millions of dollars they pour into the American political system? Do you ever think the government has been hijacked by forces hostile to average Americans? Do you ever want to fight back? Millions of Americans lack health care and millions more struggle to afford it. Politicians claim they care, then pass legislation that just sends more cash to the HMOs. Wages have been stagnant for thirty years, even as corporate profits skyrocket. Politicians say they want to fix the problem and then pass bills written by lobbyists that drive wages even lower and punish those crushed by debt. Jobs are being shipped overseas, pensions are being cut, and energy is becoming unaffordable. And our government, more concerned about maintaining its corporate sponsorship than protecting its citizens, does nothing about it. In Hostile Takeover, David Sirota, a major new voice in American politics, seeks to open the eyes of ordinary Americans to the fact that corporate interests have undermined democracy, aided and abetted by their lackeys in our allegedly representative government. At a time when more and more of America’s major political leaders are being indicted or investigated for corruption, Sirota takes readers on a journey that shows how all of this nefarious behavior happened right under our noses—and how the high-profile scandals are merely one product of a political system and debate wholly owned by Big Money interests. Sirota considers major public issues that feel intractable—like spiraling health care costs, the outsourcing of jobs, the inequities of the tax code, and out-of-control energy prices—and shows how in each case workable solutions are buried under the lies of lobbyists, the influence of campaign cash, and the ubiquitous spin machine financed by Big Business. With fiery passion, pinpoint wit, and lucid analysis, Hostile Takeover reveals the true enemies of reform and their increasingly sophisticated—and hostile—tactics. It’s an essential guidebook for those of us tired of the government selling us out—and determined to take our country back. Also available as an eBook

Hostile Takeover: How Big Money and Corruption Conquered Our Government--and How We Take It Back

Education & Reference

Crown

Hostile Takeover: How Big Money and Corruption Conquered Our Government--And How We Take It Back

An All-Access Pass to the Populist Insurrection Brewing Across the Country Job outsourcing. Perpetual busy signals at government agencies. Slashed paychecks. Stolen elections. A war without end, fatally mismanaged. Ordinary Americans on both the Right and Left are tired of being disenfranchised by corrupt politicians of both parties and are organizing to change the status quo. In his invigorating new book, David Sirota investigates whether this uprising can be transformed into a unified, lasting political movement. Throughout the course of American history, uprisings like the one we are seeing now have given birth to powerful movements to end wars, protect workers, and expand civil rights, so the prospect of today’s uprising turning into a full-fledged populist movement terrifies Wall Street and Washington. In The Uprising, Sirota takes us far from the national media spotlight into the trenches where real change is happening—from the headquarters of the most powerful third party in America to the bowels of the U.S. Senate; from the auditorium of an ExxonMobil shareholder meeting to the quasi-military staging area of a vigilante force on the Mexican border. This is vital, on-the-ground reporting that immerses us in the tumultuous give-and-take of politics at its most personal. Sirota also offers a biting critique of our politics. He shows how the uprising is, at its core, a reaction to faux “bipartisanship” in the nation’s capital—the “bipartisanship” whereby Republican and Democratic lawmakers join together in putting the agenda of corporate interests above all those of ordinary citizens. Ultimately, Sirota reminds us that the Declaration of Independence, “America’s original uprising manifesto,” says that governments “derive their powers from the consent of the governed.” Irreverent and insightful, The Uprising shows how the governed have stopped consenting and have started taking action.

The Uprising: An Unauthorized Tour of the Populist Revolt Scaring Wall Street and Washington

Computers & Technology

Business Technology

An all-access pass to the populist insurrection brewing across the country. Job outsourcing. Slashed paychecks. A war without end, fatally mismanaged. Americans on both the Right and Left are tired of being disenfranchised by corrupt politicians and are organizing to change the status quo. In his invigorating new book, David Sirota investigates this uprising, taking us into the trenches where real change is happening–in the headquarters of the most powerful third party in America, at an ExxonMobil shareholder meeting, and on the quasi-military staging area of a vigilante force on the Mexican border. The Uprising is essential reading for anyone who wants to look beyond presidential politics at the new populism that is reshaping the American political landscape.

History

Americas

Three Rivers Press

Wall Street scandals. Fights over taxes. Racial resentments. A Lakers-Celtics championship. The Karate Kid topping the box-office charts. Bon Jovi touring the country. These words could describe our current moment—or the vaunted iconography of three decades past. In this wide-ranging and wickedly entertaining book, New York Times bestselling journalist David Sirota takes readers on a rollicking DeLorean ride back in time to reveal how so many of our present-day conflicts are rooted in the larger-than-life pop culture of the 1980s—from the “Greed is good” ethos of Gordon Gekko (and Bernie Madoff) to the “Make my day” foreign policy of Ronald Reagan (and George W. Bush) to the “transcendence” of Cliff Huxtable (and Barack Obama). Today’s mindless militarism and hypernarcissism, Sirota argues, first became the norm when an ’80s generation weaned on Rambo one-liners and “Just Do It” exhortations embraced a new religion—with comic books, cartoons, sneaker commercials, videogames, and even children’s toys serving as the key instruments of cultural indoctrination. Meanwhile, in productions such as Back to the Future, Family Ties, and The Big Chill, a campaign was launched to reimagine the 1950s as America’s lost golden age and vilify the 1960s as the source of all our troubles. That 1980s revisionism, Sirota shows, still rages today, with Barack Obama cast as the 60s hippie being assailed by Alex P. Keaton–esque Republicans who long for a return to Eisenhower-era conservatism. “The past is never dead,” William Faulkner wrote. “It’s not even past.” The 1980s—even more so. With the native dexterity only a child of the Atari Age could possess, David Sirota twists and turns this multicolored Rubik’s Cube of a decade, exposing it as a warning for our own troubled present—and possible future.

Back to Our Future: How the 1980s Explain the World We Live in Now--Our Culture, Our Politics, Our Everything

Ballantine Books

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