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Lessons In Price Stability From The U.S. Real Estate Market Collapse, Andrea J. Boyack 2009 George Washington University

Lessons In Price Stability From The U.S. Real Estate Market Collapse, Andrea J. Boyack

Andrea J Boyack

The U.S. residential housing market collapse illustrates the consequences of ignoring risk while funding mortgage borrowing. Collateral over-valuation was a foundational piece of the crisis. Over the past few decades, secondary markets, securitization, policy and psychology increased the flow of funds into real estate. At the same time, financial market segmentation divorced risk from reward. Increased mortgage capital availability, unmitigated by proper risk allocation, led to real estate price inflation. Social trends and government policies exacerbated both the mortgage capital over-supply and the risk-valuation disconnect.

The Dodd-Frank Act inadequately addresses the underlying asset valuation problem. Federal regulation may support ...


El Derecho Del Mercado De Capitales, Martin Paolantonio 2009 Universidad de Buenos Aires (UBA)

El Derecho Del Mercado De Capitales, Martin Paolantonio

Martin Paolantonio

Reconstrucción de la disciplina jurídica del mercado de capitales, tomando como base un desarrollo de Bercovitz para España que es un clásico en la materia, con referencias normativas concretas al derecho argentino


Managing Medical Bills On The Brink Of Bankruptcy, Melissa B. Jacoby, Mirya Holman 2009 University of North Carolina at Chapel Hill

Managing Medical Bills On The Brink Of Bankruptcy, Melissa B. Jacoby, Mirya Holman

Melissa B. Jacoby

This paper presents original empirical evidence on financial interactions between medical providers and their patients who go bankrupt. We use a nationally representative sample of people who filed for bankruptcy in 2007 to compare two popular but hotly contested methods of measuring medical burden. By applying both methods to the same filers, we find that nearly four out of five respondents had some financial obligation for medical care not covered by insurance in the two years prior to filing as measured by the survey method. The court record method paints a different picture, with only half of the cases containing ...


La Injustificada Negativa De La Cancelación Unilateral De La Hipoteca Unilateral, Rómulo Morales 2009 Pontificia Universidad Católica del Perú

La Injustificada Negativa De La Cancelación Unilateral De La Hipoteca Unilateral, Rómulo Morales

Rómulo Martín Morales Hervias

En este artículo se realiza una crítica frontal a las resoluciones del Tribunal Registral, doctrina nacional y normativa registral que propugnan injustificadamente la imposibilidad de cancelación unilateral de la hipoteca unilateral.


Unbranding, Confusion & Deception, Aaron K. Perzanowski 2009 Case Western Reserve University

Unbranding, Confusion & Deception, Aaron K. Perzanowski

Aaron K. Perzanowski

This Article addresses the phenomenon of unbranding. Unbranding occurs when a firm chooses to discontinue its use of a brand that has developed negative associations among consumers in favor of a new brand, often in hopes of escaping the consequences of inferior products or illegal activity. Companies like AIG, Blackwater, Philip Morris, and WorldComm have all employed this strategy in recent years. Unbranding represents a striking departure from branding orthodoxy, which stresses the maintenance of brand equity through the gradual evolution of a brand. After examining the factors that prompt firms to take the radical step of eliminating an established ...


Los Anteproyectos Del Código De Consumo: ¿Hacia Una Codificación Coherente O Una Legislación Especial Asistemática?, Rómulo Morales Hervias 2009 Pontificia Universidad Católica del Perú

Los Anteproyectos Del Código De Consumo: ¿Hacia Una Codificación Coherente O Una Legislación Especial Asistemática?, Rómulo Morales Hervias

Rómulo Morales Hervias

Los anteproyectos de un Código de Consumo para el Perú importan normativas de protección al consumidor de Europa y Sudamérica sin considerar que el Derecho Civil es el conjunto normativo, doctrinario y jurisprudencial más adecuado para proteger al consumidor.


El Endoso En Procuración En El Cheque. A Propósito De La Comunicación A 4971 Del Bcra, Martin Paolantonio, Pablo Legón 2009 Universidad de Buenos Aires

El Endoso En Procuración En El Cheque. A Propósito De La Comunicación A 4971 Del Bcra, Martin Paolantonio, Pablo Legón

Pablo A Legón

Principales cuestiones vinculadas al endoso en procuración, con referencias a la reglamentación del BCRA orientada a la prevención del lavado de dinero


“El Reglamento N° 261/2004 Sobre Asistencia Y Compensación De Los Pasajeros Aéreos: El Tjce Clarifica ('Ma Non Troppo') Los Conceptos De Retraso Y Cancelación De Un Vuelo”, Luis González Vaqué 2009 Asociación Iberoamericana para el Dereho Alimentario

“El Reglamento N° 261/2004 Sobre Asistencia Y Compensación De Los Pasajeros Aéreos: El Tjce Clarifica ('Ma Non Troppo') Los Conceptos De Retraso Y Cancelación De Un Vuelo”, Luis González Vaqué

Luis González Vaqué

No abstract provided.


Biometrics, Retinal Scanning, And The Right To Privacy In The 21st Century, Stephen Hoffman 2009 University of Minnesota - Twin Cities

Biometrics, Retinal Scanning, And The Right To Privacy In The 21st Century, Stephen Hoffman

Stephen P. Hoffman

Biometric identification techniques such as retinal scanning and fingerprinting have now become commonplace, but near-future improvements on these methods present troubling issues for personal privacy. For example, retinal scanning can be used to diagnose certain medical conditions, even ones for which the patient has no symptoms or has any other way of detecting the problem. If a health insurance company scans the retinas of potential clients before they purchase coverage, they could be charged higher premiums for conditions that do not present any issues. Not only is this unfair, but the ease with which these scans can be conducted—including ...


Multi-Level Marketing And Its Brethren: The Legal And Regulatory Environment In The Down Economy, Adam Epstein 2009 Central Michigan University

Multi-Level Marketing And Its Brethren: The Legal And Regulatory Environment In The Down Economy, Adam Epstein

Adam Epstein

This article explores the legal and regulatory environment of multi-level marketing companies also known as MLM. Legal research is lacking in this area of business law though the regulatory environment involves a combination of federal and state laws including administrative agencies such as the FTC and SEC. In the current down economy, criminal enterprises such as Ponzi schemes have been exposed. MLMs are often compared to Ponzi and pyramid schemes and do share similarities. The article offers that personal responsibility is vital when determining whether to join any MLM in light of the volume of resources available on the internet.


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