A Guide to Becoming a Homeowner for African-Americans (Yes it is Different for Us) PDF Download
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Author: Quentin J Hardy
Publisher:
ISBN:
Category :
Languages : en
Pages : 156
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Book Description
This book details and describes the home buying journey. It points out some key differences in the process for African-Americans. It also explains some of the critical reasons African-American need to own homes as compared to other groups in the United States. Find out what is different for African-Americans when it comes to home ownershipUnderstand why it is more important now more important than ever for African-Americans to own a homeLearn what to do to ensure you keep your homeBecome aware of things that can derail your home buying journeyGet the stuff you will not readily find on the internet
Author: Quentin J Hardy
Publisher:
ISBN:
Category :
Languages : en
Pages : 156
Get Book Here
Book Description
This book details and describes the home buying journey. It points out some key differences in the process for African-Americans. It also explains some of the critical reasons African-American need to own homes as compared to other groups in the United States. Find out what is different for African-Americans when it comes to home ownershipUnderstand why it is more important now more important than ever for African-Americans to own a homeLearn what to do to ensure you keep your homeBecome aware of things that can derail your home buying journeyGet the stuff you will not readily find on the internet
Author: Keeanga-Yamahtta Taylor
Publisher: UNC Press Books
ISBN: 1469653672
Category : History
Languages : en
Pages : 364
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Book Description
LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD FINALIST, 2020 PULITZER PRIZE IN HISTORY By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion. Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining's end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile, new policies meant to encourage low-income homeownership created new methods to exploit Black homeowners. The federal government guaranteed urban mortgages in an attempt to overcome resistance to lending to Black buyers – as if unprofitability, rather than racism, was the cause of housing segregation. Bankers, investors, and real estate agents took advantage of the perverse incentives, targeting the Black women most likely to fail to keep up their home payments and slip into foreclosure, multiplying their profits. As a result, by the end of the 1970s, the nation's first programs to encourage Black homeownership ended with tens of thousands of foreclosures in Black communities across the country. The push to uplift Black homeownership had descended into a goldmine for realtors and mortgage lenders, and a ready-made cudgel for the champions of deregulation to wield against government intervention of any kind. Narrating the story of a sea-change in housing policy and its dire impact on African Americans, Race for Profit reveals how the urban core was transformed into a new frontier of cynical extraction.
Author: James M. Dahle
Publisher: White Coat Investor LLC the
ISBN: 9780991433100
Category : Business & Economics
Languages : en
Pages : 160
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Book Description
Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!
Author: Sam King
Publisher: Infinity Publishing
ISBN: 0741426463
Category : African American business enterprises
Languages : en
Pages : 230
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Book Description
Entrepreneurship for ambitious African Americans has always been a survival strategy. Even racism, unemployment or discrimination from banks, couldn't hold them back. KNOWLEDGE + AMBITION = SUCCESS !
Author: Dorothy A. Brown
Publisher: Crown
ISBN: 0525577335
Category : Social Science
Languages : en
Pages : 289
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Book Description
A groundbreaking exposé of racism in the American taxation system from a law professor and expert on tax policy NAMED ONE OF THE BEST BOOKS OF THE YEAR BY NPR AND FORTUNE • “Important reading for those who want to understand how inequality is built into the bedrock of American society, and what a more equitable future might look like.”—Ibram X. Kendi, #1 New York Times bestselling author of How to Be an Antiracist Dorothy A. Brown became a tax lawyer to get away from race. As a young black girl growing up in the South Bronx, she’d seen how racism limited the lives of her family and neighbors. Her law school classes offered a refreshing contrast: Tax law was about numbers, and the only color that mattered was green. But when Brown sat down to prepare tax returns for her parents, she found something strange: James and Dottie Brown, a plumber and a nurse, seemed to be paying an unusually high percentage of their income in taxes. When Brown became a law professor, she set out to understand why. In The Whiteness of Wealth, Brown draws on decades of cross-disciplinary research to show that tax law isn’t as color-blind as she’d once believed. She takes us into her adopted city of Atlanta, introducing us to families across the economic spectrum whose stories demonstrate how American tax law rewards the preferences and practices of white people while pushing black people further behind. From attending college to getting married to buying a home, black Americans find themselves at a financial disadvantage compared to their white peers. The results are an ever-increasing wealth gap and more black families shut out of the American dream. Solving the problem will require a wholesale rethinking of America’s tax code. But it will also require both black and white Americans to make different choices. This urgent, actionable book points the way forward.
Author: Gale, Cengage Learning
Publisher: Gale, Cengage Learning
ISBN: 1410348202
Category : Literary Criticism
Languages : en
Pages : 34
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Book Description
A Study Guide for Gwendolyn Brooks's "Home," excerpted from Gale's acclaimed Short Stories for Students. This concise study guide includes plot summary; character analysis; author biography; study questions; historical context; suggestions for further reading; and much more. For any literature project, trust Short Stories for Students for all of your research needs.
Author: Caryn Johnson
Publisher:
ISBN: 9780964274204
Category : African Americans
Languages : en
Pages : 152
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Book Description
Author: Jon Gorey
Publisher: Simon and Schuster
ISBN: 1507217404
Category : Business & Economics
Languages : en
Pages : 256
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Book Description
"Buying a first home can be both exciting and nerve-wracking. Will you qualify for a mortgage? Is your dream home achievable? How do you make sure your offer will beat others? Don't worry-now you can arm yourself with the information you need to know before you begin the hunt! In Home Buying 101, you will learn all the skills you need to find the right house at the right price, with financing that fits your budget. Full of nuts-and-bolts advice and organized in an easy-to-read format, this book will teach you all the basics of: deciding the right time to buy; getting your finances in order; deciphering the MLS/reading the listings for clues; types of mortgage loans; and much more! With the help of this guide, you'll learn how to find the house of your dreams at a price you can afford!"--
Author: Elizabeth Clark-Lewis
Publisher: Smithsonian Institution
ISBN: 1588344428
Category : Social Science
Languages : en
Pages : 257
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Book Description
This oral history portrays the lives of African American women who migrated from the rural South to work as domestic servants in Washington, DC in the early decades of the twentieth century. In Living In, Living Out Elizabeth Clark-Lewis narrates the personal experiences of eighty-one women who worked for wealthy white families. These women describe how they encountered—but never accepted—the master-servant relationship, and recount their struggles to change their status from “live in” servants to daily paid workers who “lived out.” With candor and passion, the women interviewed tell of leaving their families and adjusting to city life “up North,” of being placed as live-in servants, and of the frustrations and indignities they endured as domestics. By networking on the job, at churches, and at penny savers clubs, they found ways to transform their unending servitude into an employer-employee relationship—gaining a new independence that could only be experienced by living outside of their employers' homes. Clark-Lewis points out that their perseverance and courage not only improved their own lot but also transformed work life for succeeding generations of African American women. A series of in-depth vignettes about the later years of these women bears poignant witness to their efforts to carve out lives of fulfillment and dignity.
Author: Christine Kelleher Palus
Publisher: CQ Press
ISBN: 1483350029
Category : Political Science
Languages : en
Pages : 489
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Book Description
The CQ Press Guide to Urban Politics and Policy in the United States will bring the CQ Press reference guide approach to topics in urban politics and policy in the United States. If the old adage that “all politics is local” is even partially true, then cities are important centers for political activity and for the delivery of public goods and services. U.S. cities are diverse in terms of their political and economic development, demographic makeup, governance structures, and public policies. Yet there are some durable patterns across American cities, too. Despite differences in governance and/or geographic size, most cities face similar challenges in the management of public finances, the administration of public safety, and education. And all U.S. cities have a similar legal status within the federal system. This reference guide will help students understand how American cities (from old to new) have developed over time (Part I), how the various city governance structures allocate power across city officials and agencies (Part II), how civic and social forces interact with the organs of city government and organize to win control over these organs and/or their policy outputs (Part III), and what patterns of public goods and services cities produce for their residents (Part IV). The thematic and narrative structure allows students to dip into a topic in urban politics for deeper historical and comparative context than would be possible in either an A-to-Z encyclopedia entry or in an urban studies course text. FEATURES: Approximately 40 chapters organized in major thematic parts in one volume available in both print and electronic formats. Front matter includes an Introduction by the Editors along with biographical backgrounds about the Editors and the Contributing Authors. Back matter includes a compilation of relevant topical data or tabular presentation of major historical developments (population grown; size of city budgets; etc.) or historical figures (e.g., mayors), a bibliographic essay, and a detailed index. Sidebars are provided throughout, and chapters conclude with References & Further Readings and Cross References to related chapters (as links in the e-version). This Guide is a valuable reference on the topics in urban politics and policy in the United States. The thematic and narrative structure allows researchers to dip into a topic in urban politics for a deeper historical and comparative context than would be possible in either an A-to-Z encyclopedia entry or in an urban studies course text.
