Economic Capital: How It Works, and What Every Manager Needs to Know Reviews
Economic Capital: How It Works, and What Every Manager Needs to Know
Managers can deploy and manage economic capital more effectively when they understand how their decisions add value to their organizations. Economic Capital: How It Works and What Every Manager Needs to Know presents new ways to define, measure, and implement management strategies by using recent examples, many from the sub-prime crisis. The authors also discuss the role of economic capital within the broader context of management responsibilities and activities as well as its relation to other risk management tools that are available to the modern risk manager.
- Explains ways to use economic capital in balancing risk and return
- Evaluates solutions to problems encountered in establishing an economic capital framework
- Emphasizes intuition
- Draws special attention to embedding risk modelling approaches within economic capital frameworks
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Personal Financial Planning (Available Titles Coursemate)
Personal Financial Planning (Available Titles Coursemate)
In the midst of today’s shifting financial environment and fast-paced, changing lives, solid financial planning is more important than ever. Gitman/Joehnk/Billingsley’s market-leading PERSONAL FINANCIAL PLANNING, 12E provides your students with the tools, techniques, and understanding they need to define and achieve their financial goals. The book follows a life-cycle approach — addressing financial plans, assets, credit, insurance, investment, and retirement — as individuals and families progress through a lifetime. The latest updates throughout this edition reflect the most recent financial developments and research — from new tax laws to professional financial advice that considers the impact of the recent global financial crisis. This edition’s inviting new design incorporates opening vignettes, cases, and numerous examples from life as well as a proven, integrated learning system to ensure understanding. Step-by-step features teach students to use today’s most critical financial tools and technology, including financial planning software. CFP practice questions provide valuable practice. A complete support package, including CengageNOW online course management system, helps you put the best in personal financial planning in your students’ hands.
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Categories: Loan Products Tags: Available, Coursemate, Financial, Personal, Planning, Titles
Real World Banking and Finance: A Dollars & Sense Reader, 5th Edition Reviews
Real World Banking and Finance: A Dollars & Sense Reader, 5th Edition
Where is the financial services industry headed? What does the subprime lending crisis that exploded in 2007 have in common with the savings and loan scandals of the 1980s? Can the stock market fund the baby boomers’ retirement? Does it matter if the dollars falls in value? How do the actions of the major global financial institutions compare to their stated missions of fostering economic development and fighting poverty?
Real World Banking and Finance, 5th edition provides lively answers to these questions, assembling 55 sharply written, well-researched articles on banking and finance from the pages of Dollars & Sense, the leading magazine of popular economics.
In these pages you will follow the continued consolidation of the banking industry in the post-Glass Steagall era, examine the subprime and predatory lending sector, and take an in-depth look at retirement finance. You will also find thoughtful proposals for restructuring the financial system to make it more effective and more democratic. And you will grasp the basics–money, the Fed, interest rates, the stock market–more clearly thanks to Dollars & Sense‘s accurate, jargon-free explanations.
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Get Your Business Funded: Creative Methods for Getting the Money You Need
Get Your Business Funded: Creative Methods for Getting the Money You Need
Explore the many options available to get the money you need for your business
Whether your business is a new start-up, an established company attempting to grow, or somewhere in between, Get Your Business Funded gives you the full range of options for raising capital in today’s challenging economy.
Covering everything from bank loans to angel investors to equity financing to more unorthodox methods, this complete guide uses clear, easy-to-understand language to explain each approach.
- Divided into two sections: “Sources and Funding” and “What You Need to Know”
- Explains such unorthodox financing sources as peer-to-peer lending, online grants, business plan competitions, and the “friends and family plan”
- Reveals untapped funding streams available through the government
- Follows on the success of the author’s previous work The Small Business Bible
Pick up this reader-friendly guide and discover the many ways you can Get Your Business Funded right now.
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Essentials of Cash Flow
Essentials of Cash Flow
- ISBN13: 9780471221005
- Condition: New
- Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!
* Proven real-life strategies to maximize cash flow
* Best techniques to enhance the order-to-cash cycle
* Innovative ways to revamp the purchase-to-pay cycle
* Cash-generating tactics when selling to dot-coms, other start-ups, and bankrupt customers
Full of valuable tips, techniques, illustrative real-world examples, exhibits, and best practices, this handy and concise paperback will help you stay up to date on the newest thinking, strategies, developments, and technologies in cash flow.
“Loaded with practical tips and techniques on how a company can improve its cash flow. Timely, given the recent rash of bankruptcies and stories on questionable accounting practices. Mr. Schaeffer’s book highlights why today’s credit professional needs to pay particular attention to the cash flow statement when analyzing a customer’s creditworthiness.”
-Raymond E. Blatz, Division Manager, AT&T Business Services
Revenue Assurance Management
“Essentials of Cash Flow is a great cash flow primer. Mr. Schaeffer effectively takes us from the basics to the essentials of cash flow using down-to-earth dialogue and real-world examples. I can see this book becoming a must in the library of all entrepreneurs and business managers.”
-James Stephenson, Vice President, Finance
Clougherty Packing Company
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Solving the Capital Equation: Financing Solutions for Small Businesses Reviews
Solving the Capital Equation: Financing Solutions for Small Businesses
If you are a small to medium-sized business owner or considering starting or buying a business, this book will provide you with practical and actionable advice for solving your financing issues. Over 25 easy-to-follow examples and real-life case studies take you through the process of financing your business. Written by a former financial and business advisor who has helped small businesses obtain over Million in financing. Read this book and increase your odds of obtaining the financing you need to grow your business.
*Initiate and build banking relationships with advice that helps you get loans approved.
*Learn about the available debt (loans) and equity (investors) options.
*Get step-by-step alternatives to pursue based on business type.
*Get 3 actual executive summaries that were used to access funding.
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Categories: Loan Products Tags: businesses, Capital, Equation, Financing, Reviews, Small, Solutions, Solving
Optimal Risk-Return Trade-Offs of Commercial Banks: and the Suitability of Profitability Measures for Loan Portfolios (Lecture Notes in Economics and Mathematical Systems) Reviews
Optimal Risk-Return Trade-Offs of Commercial Banks: and the Suitability of Profitability Measures for Loan Portfolios (Lecture Notes in Economics and Mathematical Systems)
This book criticizes the fact that profitability measures derived from capital market models such as the Sharpe ratio and the reward-to-VaR ratio are proposed for loan portfolios, although it is not proven whether their risk-return trade-offs are optimal for banks. The authors demonstrate that even the reward-to-VaR ratio, which is developed for valuating loan portfolios, can be highly misleading. They also show how market discipline, capital requirements, and insured deposits affect decision-making.
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Categories: Loan Products Tags: Banks, Commercial, Economics, Lecture, loan, Mathematical, Measures, notes, Optimal, Portfolios, Profitability, Reviews, RiskReturn, Suitability, Systems, TradeOffs
Out-of-Court Debt Restructuring (World Bank Studies)
Out-of-Court Debt Restructuring (World Bank Studies)
This study provides a conceptual framework for the analysis of the questions of out-of-court debt restructuring from a policy-oriented perspective. The starting point of the analysis is given by the World Bank Principles for Effective Insolvency and Creditor Rights Systems. The study offers an overview of out-of-court restructuring, which is not seen as fundamentally opposed to formal insolvency procedures. Actually, the study contemplates different restructuring techniques as forming a continuum to the treatment of financial difficulties. Thus, from the purely contractual or informal arrangements for debt rescheduling between the debtor and its creditors, to the fully formal reorganization or liquidation procedures, there are numerous intermediate solutions. In the study, these solutions are identified by the terms of enhanced procedures where the contractual arrangements are supported by norms or principles for workouts; and hybrid procedures where the contractual arrangements are supported by the intervention of the courts or an administrative authority. The study discusses the advantages and disadvantages of all the debt restructuring techniques, and concludes, in this regard, that a legal system may contain a number of options a menu that can cover different sets of circumstances. In the end, the law may offer a toolbox with very different instruments that the parties may use depending on the specific facts of the case. A substantial part of the study is devoted to the analysis of the enabling regulatory environment for out-of-court restructuring. It is evident that debt restructuring does not operate in a vacuum: in fact, the general legal system influences and to a certain extent determines the possibilities for debt restructuring in any given jurisdiction. The study provides a checklist that can be used to examine the features of a legal system that bear a direct influence on debt restructuring activities. The different characteristics of informal restructurings, and of enhanced and hybrid debt restructurings are covered by the study. The different approaches to debt restructuring aim at combining the advantages of an informal approach with the advantages of formal procedures: especially, the existence of a moratorium on creditor actions and the binding effects of creditor agreements concluded within the insolvency process.
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Help! I Can’t Pay My Bills: Surviving a Financial Crisis
Help! I Can’t Pay My Bills: Surviving a Financial Crisis
In this age of skyrocketing personal debt, more and more Americans find themselves facing a financial crisis. CPA Sally Herigstad provides the strategies you need to take charge of your financial problems and get back on your feet. This clear, step-by-step guide will get you started on your way to financial security. You’ll learn to:
*Create a realistic plan for reaching your financial goals
*Find cash you didn’t know you had
*Talk to creditors when they call
*Build – and stick to – a budget
*Get help with catastrophic medical bills
No matter how you got into a financial crisis, it’s never too late to take steps to turn things around. This book will help you take charge of your finances – and your life.
Sally Herigstad is a certified public accountant living in Kent, Washington. She has written numerous articles for Microsoft’s MSN Money Web site.
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How to Get the Best Home Loan, 2nd Edition
How to Get the Best Home Loan, 2nd Edition
Save Time and Money-and Get the Loan That’s Right for You
Ever-changing mortgage guidelines . . . confusing financial forms . . . if you’re buying or refinancing a home, you know all too well how overwhelming and intimidating the mortgage process can be. This revised edition of How to Get the Best Home Loan guides you through all the critical issues and demystifies the mechanics of mortgage lending-everything from disclosures and fees to closing costs, points, and making payments. Longtime mortgage banking industry insider and former realtor W. Frazier Bell helps you sidestep the risks of financing a mortgage and sheds light on many unknown aspects that keep borrowers from making intelligent, money-saving decisions.
Written in clear, simple language, this comprehensive Second Edition features new information on desktop underwriting, merged credit reports, and using the Internet, as well as updated sections on verifications, qualifying, and loan types. Bell gives you hands-on access to his hard-won experience, providing the tools you need to:
* Understand why lenders do the things they do
* Learn what to look for when comparing loans and lenders
* Head off potential problems and expensive mistakes
* Navigate FRMs, ARMs, FHAs, GEMs, and TILs
* Know why certain loans may be better for you than others
* Save yourself hundreds, even thousands, of dollars
Packed with real-life examples, sample forms, and proven advice, How to Get the Best Home Loan, Second Edition will ensure that you get the right loan, at the right price, from the right lender.
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