50 Canada Mortgage Year

In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity.In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied todiscrimination in loan-pricing and credit-scoring.

20 Dream RV Vacations for All Seasons How does an apple butter festival in autumnal New England sound? Or Mardi Gras in New Orleans when you're fed up with winter? How about a dazzling summer drive through Canada's Maritime Provinces, or a long lazy jaunt along the "lonely leg" of Florida's Gulf coast? Let experienced RVers Janet and Gordon Groene help turn your dreams into reality. Since leaving their "regular jobs" more than a decade ago, the Groenes have taken to America's highways and backroads in their 21-foot motor home. They've made many unforgettable journeys, sharing their experiences with the rest of us in their magazine articles, columns, and popular books. Now, with "Great Eastern RV Trips, they've really outdone themselves. The book offers a delectable menu of 20 vacations from which to choose. From South Florida to Prince Edward Island, from Ohio and Illinois to Kentucky, Mississippi, and Alabama, it guides you to magnificent scenery and must-see events throughout the eastern United States and Canada. The authors have organized this guide by season, providing you with all the information you need to plan trips you've only dreamed about. They've also included maps, camping suggestions, scheduling strategies, practical RV tips, notes on offbeat attractions, references to sources of valuable information, and much more. With the help of 50 stunning photographs, the Groenes describe these and dozens of other unforgettable experiences that will appeal to RVers of every kind.