Home equity loan

2.2.1 Social Learning Theory The social learning theory explains how the use of celebrity endorsement in advertisement affects or influences audience consumption intentions. The theory assumes that consumers watch, listen observe and would want to consume what the celebrities endorse thus leading to improved brand awareness (Sertoglu, Cath and Korkmaz, 2014). 2.2.2 Source Credibility Theory The theory deals with the trustworthiness of the source. The theory indicates that consumers are…

well-defined brand by its identity through associations with item's performance, perceptible attributes, uniqueness, and culture; till the '70's it was a respected and wanted mark, and now became just a commodity. David Aaaker describes the concept of brand equity based on five traits: loyalty, awareness, perceived quality, brand association, other assets and defines it as set of liabilities (name and symbols) that add value to the customer-consumer relation…

Research Portfolio: The retrospective data gathered for this paper will be the foundation for the argument. The book and papers previously mentioned will serve a significant role in helping to gather information because they themselves are detailed and all contain a preponderance of further readings on the subject. The kind of information which I focused on was facts about the intentions of the LDDC and then reports on what they ended up producing. Also, I used reports of other gentrified areas…

Final Project Part 3 As of April 27 the current value of the 1,000 shares of Apple stock is $143,680. Apple stock price was at $2.19 25 years ago which extended a total value of $2,190 (AAPL, n.d.). This ultimately means that the 25 year return on 1,000 shares of Apple stock is roughly $4,725%. If there were EE savings bonds sold, the payout would be $119,588, compared to the value of the bond if kept until maturity of $143,680. The prize for selling a combination of stocks and bonds is that it…

Renting Versus Buying a Home For many in the United States, homeownership is part of the “American Dream”, a subjective notion. Financially, this does not always make sense. This paper looks at the advantages and disadvantages of renting versus owning a home and explores the importance of performing a title search before entering into a purchase and sale agreement to buy a home. Advantages of Renting Career choices, family structure, health, and age drive personal financial planning. These same…

of my parent’s home. I just have not been afforded those luxuries that allow that to happen. The Great Recession only greatly hindered me. Essentially, I have more apprehension about the college debt I will soon be taking on, again the home ownership debt is not on my mind at all. I think going back to college at twenty-nine to complete a degree has forced me to redefine the “American Dream”, for myself. I cannot speak for everyone in my generation because I have peers that own homes; I many of…

there company. Companies are provided with a few options when it comes to finding the cash needed to have an attempt to be successful. One option is to take out a loan, taking out loans means signing up for possible interest rates. Loans are provided to businesses based on the value and its ability to repay the loan…

Peter wants to buy a house but needs some assistance with the extensive research that has to take place when purchasing a home. First and foremost the basic information needs to be addressed. Peter has seen through an ad that he can obtain a loan through several options; a subprime rate, ARM, extended loan, and many other options. A subprime mortgage is a type of loan appropriate for individuals with poor credit scores usually below 600, who as a result of their deficient credit ratings wouldn’t…

Recently, I had a conversation with a friend who was trying to refinance her home. Two different lenders denied my friend because “her debt-to-income ratio was too high”. My friend was frustrated and asked me why this happened and what her “debt-to-income ratio” meant. My friend asked me whether taking utility bills out of her name would help. I said “no”. My friend asked me if cancelling credit cards that she no longer used (with a zero balance) would help. I said “no”. My friend could not…

To be eligible for these loans, students must be registered as a full time or part time student in an institution that is a part of the Direct Loan Program. Another requirement is that student must be in a program that will eventually lead to a certificate or degree. Subsidized Loans are offered to students’ based on individual needs, and this is decided based on the information given when completing FAFSA. Paul Basken states, “The federal government offers subsidized loans to college students…