If a home does not appraise for its sales price, you have what is known as an appraisal gap. An appraisal gap is the difference between the sticker price and the appraisal – in Smith's example, that gap between $300,000 and $350,000 would be $50,000. To fix the appraisal gap,...
relationship banksunemployment rateWe analyze bank supply of credit under the Paycheck Protection Program (PPP). The literature emphasizes relationships as a means to improve lender informationLi, LeiStrahan, Philip E.Social Science Electronic Publishing...
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How Does the New Hampshire Primary Work? Voters gather on Tuesday, Jan. 23. New Hampshire's primary is open, meaning a voter who has not declared a party affiliation can request either a Democratic or Republican ballot and vote in that primary, but not both. Voters just need to show up...
So you’ve got the basic expenses covered. Great. Now it’s time to factor in saving. And no need to stress, even if you’re learning how to budget when you hate budgeting. When it comes to saving for your financial goals, “it does not have to be an overly stressful situation...
Understanding GAAP Enforcement GAAP is not law, though violating GAAP can have costly ramifications. Errors and omissions can impact a company's credibility with lenders, investors, and other parties who rely on financial statements for an accurate picture of a company's finances. The SEC does not...
Still, the size of this year’s Treasury auctions clearly does matter: Apunishing sell-off in long-dated Treasuriesonly abated afterUS officials announceda timeline for a slower flood of new notes and bonds in November 2023. Now, macro markets are a big topic, so it can be tough to write...
Does a Duplex Count as Owner-Occupied? As long as you intend to live in part of the duplex as your primary residence, a duplex counts as an owner-occupied property. Is a Home With an Accessory Dwelling Unit (ADU) Owner-Occupied? Yes. If you, as the owner, are living in either the...