Newsletters

Analyst Recommendations

For every investor, the topic of analyst recommendations is an area of particular concern. Each day in the news, analysts "upgrade" and "downgrade" particular investments and assign ratings, such as "outperform" or "strong buy."

Home Ownership and Equity Protection Act - Prohibited Features and Practices

The Home Ownership and Equity Protection Act (HOEPA) prohibits a lender from making loans based on the collateral value of a borrower's property without regard to his ability to repay the loan. In addition, proceeds for home improvement loans must be disbursed either directly to the borrower, jointly to the borrower and the home improvement contractor, or, in some situations, to the escrow agent.

Air Carrier Access Act - Passenger Information

Under the Air Carrier Access Act and the U.S. Department of Transportation's Air Carrier Access Rules, air carriers must ensure that persons with disabilities, including those with vision and hearing impairments, have timely access to the same information provided to other passengers.

Contracts - Acceptance

Every contract requires an offer and an acceptance of the offer. The person who makes the offer is called the "offeror." The person to whom the offer is made is the "offeree."

Breach of Contract

A breach of contract is a failure to perform a contractual obligation without legal justification or excuse. A party commits a "material breach" if he violates an important term of a contract in a fundamental way.