Download PDF by Clare Levison: Frugal Isn't Cheap: Spend Less, Save More, and Live Better

By Clare Levison

ISBN-10: 1601632606

ISBN-13: 9781601632609

In Frugal Isn't affordable, Clare Levison serves up sensible monetary recommendation with an aspect of southern appeal. full of real-life tales, it is going to problem you to alter how you take into consideration money.

Her message is deceptively easy and transparent: it's cool to be clever approximately your cash; it's fashionable to be brilliant instead of overindulgent; monetary balance is extra glamorous than extravagance. yet chop up the charge cards? No manner. Levison prefers to advertise accountability instead of abstinence. She takes a pragmatic method of own finance that we will be able to all stay with, including:

How to discover and nurture your frugal side
Why you don't have to chop up your credits cards
The basic formulation for monetary success
The mark downs problem, 20%
The top how you can make huge purchases

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Additional info for Frugal Isn't Cheap: Spend Less, Save More, and Live Better

Example text

Fixed-rate mortgage The US 30-year, fixed-rate mortgage (FRM) provides a historical benchmark for international mortgage product comparisons. The US FRM is a 1934 post-Depression creation of the National Housing Act, which authorized the Federal Housing Agency to provide mortgage insurance for specific mortgage types. Often referred to as a “plain vanilla” mortgage loan, the FRM is a fully amortizing pre-payable mortgage loan where the interest rate remains the same throughout the term of the loan.

The Controlled Premises (Special Provisions) Act was enacted in 1969 to encourage private owners of properties to redevelop their properties. The act allowed rent controlled premises situated in a “designated development area” to be recovered by the owners for development purposes. Under this form of decontrol, known as block decontrol, the owners of controlled premises in the designated area could apply to the Tenants Compensation Board to recover possession of their properties. They also had to demonstrate that funds were available for the development.

Overcoming real estate gridlock in Singapore In this section, we consider a case study of how Singapore overcame real estate gridlock in the 1970s in order to redevelop its historic central area into a modern financial district. Although the case involves commercial real estate, the policy changes and instruments deployed are also of relevance for residential real estate redevelopments. 3 million and a total land area of only 714 square kilometers. With scarce land resources, over 90 per cent of the housing stock is in high-rise apartments, and there is little room or tolerance for holdouts, NIMBY and BANANA gridlocks.

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Frugal Isn't Cheap: Spend Less, Save More, and Live Better by Clare Levison

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