The real estate market crashed in 2007. Within minutes, hundreds of subprime lenders were out of business. The seller's market quickly became the buyer's market and property values went into a momentum of constant decline. The short sale process became a viable option for lenders and borrowers, both. Do not simply walk away from your property, stay the course, but if foreclosure is imminent, a short sale will salvage your credit. If mortgage payments are current, generally a short sale will reduce the borrower's credit score by 50 points and the score will slowly increase again when the process is complete. However, if the mortgage payments are delinquent, then the missed and late payments are what will drain the credit score approximately 100-150 points, but the short sale will increase that score within months. If the property forecloses a borrower will have to wait 5-7 years before obtaining another mortgage loan. A short sale is a win/win.
This invaluable book, for the first time, brings together the international and European Union legal framework on cultural property law and the restitution of cultural property. Drawing on the author's extensive experience of international disputes, it provides a very comprehensive and useful commentary. Theories of cultural nationalism and cultural internationalism and their founding principles are explored. Irini Stamatoudi also draws on soft law sources, ethics, morality, public feeling and the role of international organisations to create a complete picture of the principles and trends emerging today. This book will be highly useful to academics, postgraduate students, practitioners and policy makers in the field of cultural heritage or cultural property law. It will also be of great interest to those researching in the areas of museum studies or cultural diplomacy.
In clear, easy-to-grasp language, the author covers many of the topics that you will need to know in order to win your dream job and be the first in line for a promotion.
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