Buyers and Borrowers


Book Description

Learn a practical new approach to some long-standing and significant problems that librarians are continually called upon to address, such as: Is the library reaching its target audience? What do shifts in use patterns reflect? How often can users be expected to visit the library on the average? Can users be identified by category by the way they use the library? Author Charles D. Emery takes a close look at some methods which can be used to answer these questions accurately. Using the analogy of repeat buying, which has been shown to follow consistent and regular patterns across a wide range of consumers, brands, products, time periods, and other conditions, Mr. Emery applies the same concepts of research to the investigation and analysis of library use. There are remarkable similarities between library borrowing and consumer purchasing patterns. Thus, not only does the consumer purchasing model provide us with a means of investigating and predicting library user behavior, but it furnishes an appropriate mechanism for the more sophisticated analysis of that behavior through the application of marketing concepts such as product mix and brand switching. By drawing the comparison between library borrowing and consumer purchasing, Mr. Emery has identified what library administrators have hitherto lacked: a readily accessible corpus of theory and practical example upon which to base a coherent and cumulative body of research into the behavior of library users. The results will be useful as input to planning and distribution of resources in matters of budgets, services hours, personnel, and programming.




Buyers and Borrowers


Book Description

Learn a practical new approach to some long-standing and significant problems that librarians are continually called upon to address, such as: Is the library reaching its target audience? What do shifts in use patterns reflect? How often can users be expected to visit the library on the average? Can users be identified by category by the way they use the library? Author Charles D. Emery takes a close look at some methods which can be used to answer these questions accurately. Using the analogy of repeat buying, which has been shown to follow consistent and regular patterns across a wide range of consumers, brands, products, time periods, and other conditions, Mr. Emery applies the same concepts of research to the investigation and analysis of library use. There are remarkable similarities between library borrowing and consumer purchasing patterns. Thus, not only does the consumer purchasing model provide us with a means of investigating and predicting library user behavior, but it furnishes an appropriate mechanism for the more sophisticated analysis of that behavior through the application of marketing concepts such as product mix and brand switching. By drawing the comparison between library borrowing and consumer purchasing, Mr. Emery has identified what library administrators have hitherto lacked: a readily accessible corpus of theory and practical example upon which to base a coherent and cumulative body of research into the behavior of library users. The results will be useful as input to planning and distribution of resources in matters of budgets, services hours, personnel, and programming.




Books


Book Description




Books


Book Description




What Lenders Don't Want You to Know


Book Description

If you seek information that will help save you money on a mortgage transaction, you've found it Kevin Melody spells out trade secrets of the mortgage industry from an insider's perspective, with frank honesty and in plain English. He shows how most borrowers shop for mortgages like they shop for cars: they find the product they want, at a price they believe is fair, then they strike a deal. Unfortunately, unlike a car purchase, a mortgage transaction will not close on the day the "deal" is made. Therefore, unless the borrower is sophisticated enough to know how to make it stick, he really has no deal at all. He has committed himself to the lender, but the commitment may not be mutual. In fact, the rates, costs, even the product itself may change later; at a time when the borrower has, not only an emotional stake in proceeding with the transaction, but also a financial one; and is therefore unlikely to cancel. Whether you're a first-time buyer, or a property owner with many mortgage transactions under his belt, you will save time, money, and frustration by reading this book.




Buy Your First Home Now


Book Description

Well-respected real estate broker, loan officer, investor and author Peter G. From better deals, cheaper mortgages and bigger tax breaks to home costs and how to assess how much you can afford, this guide tells first-time home buyers everything they need to know.




What Lenders Don't Want You to Know


Book Description

If you seek information that will help save you money on a mortgage transaction, you've found it! Kevin Melody spells out trade secrets of the mortgage industry from an insider's perspective, with frank honesty and in plain English. He shows how most borrowers shop for mortgages like they shop for cars: they find the product they want, at a price they believe is fair, then they strike a deal. Unfortunately, unlike a car purchase, a mortgage transaction will not close on the day the "deal" is made. Therefore, unless the borrower is sophisticated enough to know how to make it stick, he really has no deal at all. He has committed himself to the lender, but the commitment may not be mutual. In fact, the rates, costs, even the product itself may change later; at a time when the borrower has, not only an emotional stake in proceeding with the transaction, but also a financial one; and is therefore unlikely to cancel. Whether you're a first-time buyer, or a property owner with many mortgage transactions under his belt, you will save time, money, and frustration by reading this book.




Make No Mistakes About...Buying Real Estate


Book Description

Make No Mistakes About...Buying Real Estate is an easy to understand guidebook designed for anyone interested in the home buying process. This guidebook will assist you in making rational decisions and reduce the number of mistakes that can cost you thousands of dollars! The information will arm you against losses from the time you make your first offer to the time you are ready to sell any property in any market. You'll reference this guide again and again, even after you have purchased your first home. You will discover how easy it is to: -Decide whether or not to buy in an uncertain market -Avoid paying too much for any property and the mortgage loan -Recognize if you're a victim of mortgage scams and tricks -Avoid foreclosure even if you're facing it now -Guide yourself through the buying process with easy to use checklists Don't be one of the thousands of Americans who get ripped off and don't discover it until it's time to sell! Find out what you can do now so it won't happen to you!




Books


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Books


Book Description