Repay As You Earn: The Flawed Government Program to Help Students Have Public Service Careers Reviews
Repay As You Earn: The Flawed Government Program to Help Students Have Public Service Careers
In 1993, Congress created a student loan repayment plan intended to enable high-debt graduates to accept low-income, public service jobs by reducing their loan payments and eventually forgiving part of their debts. But this Congressional initiative only helps those with catastrophically low incomes. It has failed to attract many users because, as implemented through regulations of the U.S. Department of Education, it requires payment over too long a period (25 years before forgiveness).
Many students go to graduate and professional schools in pursuit of careers in public service. But they often must borrow 0,000 or more to finance their education. Their loan repayment obligations become so high that they can no longer afford to follow their ideals, and they abandon their plans to have public service careers and seek employment with corporations or firms offering high salaries. The income-contingent repayment plan should have appealed to would-be public interest lawyers, who are among the graduates with the highest debt-to-income ratios; but the plan has failed them, and Schrag explores why and how the plan should be reformed, either by Congress or by the federal administration.
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100 Ways to Save and Grow Your Money: Financial Fitness for Regular People
100 Ways to Save and Grow Your Money: Financial Fitness for Regular People
Are you frustrated with the month left at the end of your money? Are you starting from zero with no money at all, or worse – starting with a load of debt? There is hope! Do you have a “why”? A goal that absolutely must happen? A dream vacation, new furniture, college tuition, new church building, big medical bill, or well-fed credit card debt that’s outgrown all your other bills? This book is for you! Through simple and practical ideas and examples, you’ll learn how to put money back into your pocket, purse and bank account regularly and safely. You can watch your debt shrink and your money grow month by month. It’s easier than you think.
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Counterparty Credit Risk: The new challenge for global financial markets (The Wiley Finance Series)
Counterparty Credit Risk: The new challenge for global financial markets (The Wiley Finance Series)
The first decade of the 21st Century has been disastrous for financial institutions, derivatives and risk management. Counterparty credit risk has become the key element of financial risk management, highlighted by the bankruptcy of the investment bank Lehman Brothers and failure of other high profile institutions such as Bear Sterns, AIG, Fannie Mae and Freddie Mac. The sudden realisation of extensive counterparty risks has severely compromised the health of global financial markets. Counterparty risk is now a key problem for all financial institutions.
This book explains the emergence of counterparty risk during the recent credit crisis. The quantification of firm-wide credit exposure for trading desks and businesses is discussed alongside risk mitigation methods such as netting and collateral management (margining). Banks and other financial institutions have been recently developing their capabilities for pricing counterparty risk and these elements are considered in detail via a characterisation of credit value adjustment (CVA). The implications of an institution valuing their own default via debt value adjustment (DVA) are also considered at length. Hedging aspects, together with the associated instruments such as credit defaults swaps (CDSs) and contingent CDS (CCDS) are described in full.
A key feature of the credit crisis has been the realisation of wrong-way risks illustrated by the failure of monoline insurance companies. Wrong-way counterparty risks are addressed in detail in relation to interest rate, foreign exchange, commodity and, in particular, credit derivative products. Portfolio counterparty risk is covered, together with the regulatory aspects as defined by the Basel II capital requirements. The management of counterparty risk within an institution is also discussed in detail. Finally, the design and benefits of central clearing, a recent development to attempt to control the rapid growth of counterparty risk, is considered.
This book is unique in being practically focused but also covering the more technical aspects. It is an invaluable complete reference guide for any market practitioner with any responsibility or interest within the area of counterparty credit risk.
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The Small Business Bible: Everything You Need to Know to Succeed in Your Small Business
The Small Business Bible: Everything You Need to Know to Succeed in Your Small Business
An updated third edition of the most comprehensive guide to small business success
Whether you’re a novice entrepreneur or a seasoned pro, The Small Business Bible offers you everything you need to know to build and grow your dream business. It shows you what really works (and what doesn’t!) and includes scores of tips, insider information, stories, and proven secrets of success. Even if you’ve run your own business for years, this handy guide keeps you up to date on the latest business and tech trends. This Third Editionincludes entirely new chapters devoted to social media, mobility and apps, and new trends in online discounting and group buying that are vital to small business owners everywhere.
New chapters include:
- How to use Facebook, Twitter, and other social media tools to engage customers and potential stakeholders
- How to generate leads and win strategic partnerships with LinkedIn
- How to employ videos and YouTube to further your brand
- What you need to know about Groupon and group discount buying
- What mobile marketing can do for your business
Give your small business its best shot by understanding the best and latest small business strategies, especially in this transformative and volatile period. The Small Business Bible offers every bit of information you’ll need to know to succeed.
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Categories: Loan Products Tags: Bible, Business, Everything, Know, Need, Small, Succeed
Accounting for M&A, Equity, and Credit Analysts
Accounting for M&A, Equity, and Credit Analysts
As each new accounting question or scandal hits Wall Street, investment professionals too often find themselves asking, “What happened?” Accounting for M&A, Equity, and Credit Analysts answers the most common accounting questions, all in an easy-to-follow format designed to provide investment professionals with real-world, hands-on knowledge of key accounting treatments, models, and practices. Written by well-known M&A expert James E. Morris, this versatile accounting desk reference bridges the gap between what is taught in business school and what is needed in the real world.
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Categories: Loan Products Tags: Accounting, Analysts, Credit, equity
I Pay You Repay: A Dialogue on Financial Aid for Parents and Students
I Pay You Repay: A Dialogue on Financial Aid for Parents and Students
Join mother and son team in a cross-generational dialogue about financial aid. The book covers information on college savings plans, budgeting tips while in college, advice on how to talk finance with teens, and the real deal on college loans. Our experts will focus on giving you and your college bound student the information needed to secure grants and loans and minimize debt.
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ADD and Your Money: A Guide to Personal Finance for Adults With Attention Deficit Disorder
ADD and Your Money: A Guide to Personal Finance for Adults With Attention Deficit Disorder
When you have attention-deficit disorder (ADD), you don’t spend money like most other people. Past-due bills and impulsive spending can throw your finances into turmoil, and because these financial pitfalls are directly related to your ADD symptoms, they can seem impossible to overcome.
The good news is that it is possible to get ADD-related financial disorganization under control and begin to enjoy a more stable relationship to your money. ADD and Your Money will show you how. This friendly guide, written with your ADD in mind, includes information on everything you need to know about managing your finances and staying in control.
Learn to:
- Keep track of your bills
- Create a budget that works
- Get debt under control
- Find ADD-friendly bank services
- Plan around your splurges
List Price: $ 18.95
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Money and Credit: A Sociological Approach (PESS – Polity Economy and Society Series)
Money and Credit: A Sociological Approach (PESS – Polity Economy and Society Series)
This book offers a fresh and uniquely sociological perspective on money and credit. As basic economic institutions, money and credit are easy to overlook when they work well. When they malfunction, as they did in the new millennium’s global financial crisis, their importance becomes obvious and demands further investigation.
Bruce Carruthers and Laura Ariovich examine the social dimensions of money and credit at both the individual and corporate levels, from the development of personal credit and a consumer society, to the role of government in the creation of money. In clear prose, they illustrate how the overall future of the economy is governed by the financial system and the flow of capital into, and out of, firms operating in particular industrial sectors, as well as the social meanings money itself acquires and the ways people distinguish between “dirty” and “clean” money.
This accessible and engaging book will be essential reading for upper-level students of economic sociology, and those interested in how the bills, coins and plastic in our pockets shape the world we live in.
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Categories: Loan Products Tags: Approach, Credit, Economy, money, PESS, Polity, series, Society, Sociological
Commercial Real Estate Investing: A Creative Guide to Succesfully Making Money Reviews
Commercial Real Estate Investing: A Creative Guide to Succesfully Making Money
Dolf de Roos’s Commercial Real Estate Investing reveals all the differences between residential and commercial investing and shows you how to make a bundle. De Roos explores the different sectors—retail, office space, industrial, hospitality, or specialist—to help you discover which is right for you. He shares key insights on finding tenants and avoiding vacancies, financing large investments, managing property, setting a tax-smart corporate structure, and take full advantage of tax breaks.
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Categories: Loan Products Tags: Commercial, Creative, Estate, Guide, Investing, Making, money, Real, Reviews, Succesfully
Beat The Bill Collector: How To Obtain Freedom From Your Debt
Beat The Bill Collector: How To Obtain Freedom From Your Debt
If debt collection agencies are harassing you to settle your unpaid bills, you do not have to put up with their bullying tactics! This book tells you exactly how you can use simple tricks to get them off your back for good or resort to heavy legal firepower if they persist in calling you at work or home. Know your rights!
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