Credit Management Kit For Dummies
Credit Management Kit For Dummies
The painless way to manage credit in today’s financial landscape
People with great credit scores are getting turned down for credit cards and loans for homes and cars. What do they need besides a good score? What are lenders looking for now that they are extremely risk-averse? Repairing broken or damaged credit is one thing, but having to meet today’s much stiffer credit standards requiring that consumers consistently manage their credit is another thing all together. Credit Management Kit For Dummiesgives you answers to these questions and insight into these concerns, and also walks you down the correct path to credit application approval.
You’ll discover major changes with the Credit CARD (Credit Accountability, Responsibility, and Disclosure) Act provisions and the new Consumer Financial Protection Legislation Agency; the effect of tightened credit markets on those with good, marginal, or bad credit; new rules and programs including Hope and Government options via the Obama Administration; the best ways to recover from mortgage related credit score hits; tips for minimizing damage after walking away from a home; credit score examples with new ranges; and much more.
- The pros and cons of credit counselors
- The quickest and most effective way to undo damage from identity theft
- Advice and tips about adding information to a credit report, and beefing-up thin credit
- Guidance for evaluating your Credit Score in today’s economy
- Fannie Mae’s revised guidelines for purchasing mortgages
- Information on significant others (boyfriend/girlfriend/spouse) and credit and debt sharing
- IRS exceptions to the Mortgage Forgiveness Debt Relief Act in a mortgage meltdown situation
Not just for those who have bad credit and need to repair it, Credit Management Kit For Dummies also serves as an invaluable resource for those with average credit who want, or need, to manage it to get a job, reduce insurance costs, qualify for banking products, and more.
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Categories: Loan Products Tags: Credit, Dummies, Management
Underwater Home: What Should You Do if You Owe More on Your Home than It’s Worth?
Underwater Home: What Should You Do if You Owe More on Your Home than It’s Worth?
- ISBN13: 9781456365707
- Condition: New
- Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!
Underwater on your home? Don’t know what to do? Let one of the the nation’s leading experts guide you to the right decision. In Underwater Home, Professor White addresses all your concerns and helps you work through the emotions and practical realities of being underwater on your home. He explains your options and gives you the facts that will empower you to make the best decision for your family, free from guilt or fear, and with clarity, confidence, and peace of mind. Underwater Home is both an emotional and practical guide for the underwater homeowner. Professor White explains when it makes financial sense to stay in your underwater home and when it makes sense to get out. And he offers no-nonsense insight into how to negotiate with your lender. If you’re underwater on your home, you can’t afford not to read this book. “In a tone that is both conversational and precise… lays out the case for and against walking away from an upside-down mortgage where the home is worth less than the mortgage balance. As is his habit, Mr. White strips away many of the emotional reasons that are often touted to deter walkaways. – Wall Street Journal, Decemeber 7, 2010. “Underwater mortgage? The book banks and Fannie hope you won’t read.” Reuters, December 15, 2010 “Law Prof’s Book Helps Underwater Homeowners Decide When to Walk Away” – ABA Journal, December 8, 2010. “A how-to book on strategic mortgage default.” – Orlando Sentinel, December 15, 2010 “Brent White, a University of Arizona law professor who has preached the morality double standard that homeowners face while companies default on loans without so much as a second thought, now makes his case in a book that virtually holds homeowners’ hand through the process. He tells them what to consider when deciding whether they should stop paying the mortgage… White even walks homeowners through the math to figure out whether they’re better off staying put and or walking away. – Orlando Sentinel, December 15, 2010
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Categories: Loan Products Tags: home, It's, more, Should, than, Underwater, Worth
Discriminating Risk: The U.S. Mortgage Lending Industry in the Twentieth Century Reviews
Discriminating Risk: The U.S. Mortgage Lending Industry in the Twentieth Century
The U.S. home mortgage industry first formalized risk criteria in the 1920s and 1930s to determine which applicants should receive funds. Over the past eighty years, these formulae have become more sophisticated. Guy Stuart demonstrates that the very concepts on which lenders base their decisions reflect a set of social and political values about “who deserves what.” Stuart examines the fine line between licit choice and illicit discrimination, arguing that lenders, while eradicating blatantly discriminatory practices, have ignored the racial and economic-class biases that remain encoded in their decision processes. He explains why African Americans and Latinos continue to be at a disadvantage in gaining access to loans: discrimination, he finds, results from the interaction between the way lenders make decisions and the way they shape the social structure of the mortgage and housing markets.Mortgage lenders, Stuart contends, are embedded in and shape a social context that can best be understood in terms of rules, networks, and the production of space. Stuart’s history of lenders’ risk criteria reveals that they were synthesized from rules of thumb, cultural norms, and untested theories. In addition, his interviews with real estate and lending professionals in the Chicago housing market show us how the criteria are implemented today. Drawing on census and Home Mortgage Disclosure Act data for quantitative support, Stuart concludes with concrete policy proposals that take into account the social structure in which lenders make decisions.
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Categories: Loan Products Tags: Century, Discriminating, industry, Lending, mortgage, Reviews, Risk, Twentieth, U.S.
Understanding Credit Derivatives and Related Instruments (Academic Press Advanced Finance)
Understanding Credit Derivatives and Related Instruments (Academic Press Advanced Finance)
Understanding Credit Derivatives offers a comprehensive introduction to the credit derivatives market. Rather than presenting a highly technical exploration of the subject, it offers intuitive and rigorous summaries of the major subjects and the principal perspectives associated with them. The centerpiece is pricing and valuation issues, especially discussions of different valuation tools and their use in credit models.
* Offers a broad overview of this growing field
* Discusses all the main types of credit derivatives
* Provides back-of-the-book summary of statistics and fixed-income mathematics
List Price: $ 92.95
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Categories: Loan Products Tags: Academic, Advanced, Credit, Derivatives, Finance, Instruments, Press, Related, Understanding
Life After Debt: Practical Solutions To Get Out of Debt, Build Wealth, And Radically Transform Your Finances Forever!
Life After Debt: Practical Solutions To Get Out of Debt, Build Wealth, And Radically Transform Your Finances Forever!
Life After Debt is the culmination of thousands of one to one meetings with people just like you and I but deep in debt. In many cases their debt was not so much a function of irresponsibility but rather health issues, divorce and the economy. In this book author Rob Kosberg peels back the curtain on the strategies and mindset needed to overcome debt once and for all. Get this book today and be on your way to a debt free life forever!
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Wiley CPA Exam Review 2012, Financial Accounting and Reporting (Wiley CPA Examination Review: Financial Accounting & Reporting)
Wiley CPA Exam Review 2012, Financial Accounting and Reporting (Wiley CPA Examination Review: Financial Accounting & Reporting)
Everything today’s CPA candidates need to pass the CPA Exam
Published annually, this comprehensive four-volume paperback reviews all four parts of the CPA exam. Many of the questions are taken directly from previous CPA exams. With 3,800 multiple-choice questions, these study guides provide all the information candidates need to master in order to pass the computerized Uniform CPA Examination. Its unique modular format helps you zero in on those areas that need more attention and organize your study program.
- Complete sample exam
- The most effective system available to prepare for the CPA exam—proven for over thirty years
- Timely—up-to-the-minute coverage for the computerized exam
- Contains all current AICPA content requirements in auditing and attestation; business environment and concepts; financial accounting and reporting; and regulation
- Unique modular format—helps candidates zero in on areas that need work, organize their study program, and concentrate their efforts
- Comprehensive questions—over 3,800 multiple-choice questions and their solutions in the four volumes
- Guidelines, pointers, and tips—show how to build knowledge in a logical and reinforcing way
- Other titles by Whittington: Audit Sampling: An Introduction, Fifth Edition
Wiley CPA Exam Review 2012 arms test-takers with detailed outlines, study guidelines, and skill-building problems to help candidates identify, focus on, and master the specific topics that need the most work.
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Categories: Loan Products Tags: 2012, Accounting, Exam, Examination, Financial, reporting, Review, Wiley
Stuff About Money: No BS Financial Advice for Regular People
Stuff About Money: No BS Financial Advice for Regular People
As a growing number of Americans struggle with their finances, they’re increasingly trying to find ways to stretch their dollars. While we can’t always control how much we earn, we can control how we manage and spend our money. In “Stuff About Money: No BS Financial Advice for Regular People,” more than two dozen financial professionals deliver no-BS basic money management tips that can help you boost your financial confidence and sleep a little better at night. From real estate and retirement to insurance and savings, “Stuff About Money” gives you the basics on how to better manage your money and financial life. You’ll learn things such as: • Why you need to have an emergency fund in place. • How saving even small sums regularly over time can add up big through compounding. • How much you’ll need in retirement and how much you should save monthly. • Why you need to open and fund a Roth IRA now. • Why renting may sometimes be a better idea than buying a house. • Why term life insurance is so cheap there’s no reason not to have it. • How you can save big on auto, home and health insurance premiums by raising your deductibles. • Why the stock market is still the best long term place to put your money. • Why you should track your net worth no matter how little it may be. • Why you should create separate savings accounts for separate goals. • How overspending on vehicles can impact your long-term financial future. • How dividing every paycheck can ensure you’re putting money in the right places. If you’re looking for quick, easy-to-implement ways to boost your financial security, you can find it in this book.
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How to Get Credit After Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit Under Control
How to Get Credit After Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit Under Control
According to the United States Bankruptcy Courts, the number of bankruptcies filed each year is on the rise. People file bankruptcy for a variety of reasons, such as preventing foreclosure on their homes, preventing repossession of property, loss of employment, or reducing or eliminating debts. The most common types of bankruptcy for which individuals file are Chapter 7 and Chapter 13. Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years. A person who finds himself or herself in this undesirable situation may wonder how they are ever going to repair their credit. How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit under Control provides the answers in a clear-cut, easy-to-read manner. The author tells you how to take charge of your credit so you can apply for loans and mortgages and obtain low interest rates. In addition, you will learn how to order a copy of your credit report, how to check your credit report for accuracy, how to read it, how to avoid discrimination and credit repair scams, how to apply for an unsecured credit card, how to report your good work to bureaus if creditors do not, how to maintain good relationships with your bank and creditors, how to consolidate all your debt, how to lessen your reliance on credit cards, and how to decide if lawyer-assisted credit repair is right for you. You will also learn simple strategies for making payments on time and for rebuilding your credit. Whether you have just declared bankruptcy or you have been living with the stigma for years, this new book will provide you with all the information you need to take a step in the right direction.
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Broken Markets: A User’s Guide to the Post-Finance Economy
Broken Markets: A User’s Guide to the Post-Finance Economy
“I would sleep better if I knew that Bernanke, Geithner, Bachus, Sen. Tim Johnson, Obama and Romney all kept dog-eared copies of Kevin Mellyn’s Broken Markets on their nightstands. . . . Mellyn’s work is a fascinating, important, and eminently good read and should inform the debate on overhauling the U.S. and global financial regulatory systems and sustainable macro fiscal and monetary policy.”
–Eric Grover, in his review of Broken Markets in The American Banker
Broken Markets allows the intelligent non-specialist to understand and navigate the ongoing worldwide aftermath of the 2008 financial market meltdown. The key theme of the book is how the leading financial institutions and the political leadership of the U.S. and European Union have failed us and set the stage for continued market turmoil. It explains what this means for investors, borrowers, society in general, and the financial-services industry. Former banker Kevin Mellyn focuses on providing readers with clear and simple explanations of the forces at work and the potential consequences for their future prosperity.
As this book makes clear, what’s coming is a world in which high structural unemployment and flat or declining real income is likely—not to mention a diminished retirement financial safety net. The book therefore provides actionable information for protecting wealth and making prudent investment decisions in an economy that is nothing like the one that has sustained us for decades.
As a forward-looking narrative about rapidly changing events and volatile markets and politics, Broken Markets will provide no single prediction about the future but rather describe alternative scenarios and provide the reader with signposts to watch out for in deciding which reality is actually unfolding. Unlike most books written by journalists on global finance, the scenarios and signposts described will be largely based on the lessons of financial and political history rather than breaking news. This book:
- Tells you in plain language how today’s financial system threatens your livelihood and wealth
- Tells you why and how governments worldwide, with some notable exceptions, are taking actions likely to make things worse instead of better
- Explains how the leading financial institutions lost their way during the bubble years and how they can find the path back to prosperity and value to society
- Tells you what life will be like in a “post-finance” economy and how you can protect your wealth
What you’ll learn
After reading Broken Markets, you will:
- Understand how governments and financial leaders made poor decisions and the consequences in both the short and long term
- “Connect the dots” between seemingly unconnected market developments
- Understand how global finance really influences your livelihood
- Evaluate professional investment advice critically
- Make an independent, informed evaluation of competing economic and political policies
- Develop a long-term financial game plan for a “post-finance” world
- Impress your friends and family with your financial savvy
Who this book is for
Broken Markets is for people who have savings and investments, watch the business news, read the Wall Street Journal or Financial Times at least occasionally, and just want to make sense of the post-2008 crisis world while taking steps to protect their hard-won wealth. It is not intended for financial professionals, though it will strike a chord there. Mostly it is for the sensible, educated man and woman looking for straight talk and clarity. It is also a good choice for students and young people just starting their careers since it teaches them things their teachers (and often their employers) never told them. Above all, it is a good choice for anyone who likes to be informed, provoked into re-examining beliefs and assumptions, and entertained by sharp-edged writing.
Table of Contents
Introduction
Chapter 1: The Rise and Fall of the Finance-Driven Economy
Chapter 2: Banking, Regulation, and Financial Crises
Chapter 3: Economic Consequences of Regulation
Chapter 4: Life after Finance
Chapter 5: Global Whirlwinds
Chapter 6: The Consumer in the World After Finance
Chapter 7: The Reconstruction of Finance
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Categories: Loan Products Tags: Broken, Economy, Guide, Markets, PostFinance, User's
Guide to Cash Management: How to Avoid a Business Credit Crunch (The Economist)
Guide to Cash Management: How to Avoid a Business Credit Crunch (The Economist)
Effective cash management advice to help boost profitability and fend off risk
Cash, not profit, has always been the ultimate determinant of whether a business survives, and the current credit crunch has highlighted to businesses the importance of cash management. Firms that ran short on cash discovered this firsthand during the financial crisis, running into serious financial trouble or even going bust. Guide to Cash Management: How to Avoid a Business Credit Crunchis the invaluable guide for any business that wants to avoid running into its own credit crunch and stay fiscally sound.
Written in a concise yet accessible manner, the book clearly explains the six critical aspects of the effective management of cash and cash flow, including:
- Forecasting likely cash receipts and payments
- Establishing funding lines necessary to cover asset purchases or for working capital
- Efficiently managing day-to-day operations with regard to the amount of cash required
- Selecting appropriate investment opportunities that result in positive cash flow
- Monitoring the profitability of products and services to ensure they are cash generative and not cash destroying
- Having a plan for managing excess cash that exceeds demand
Essential reading for intelligent business professionals and investors, Guide to Cash Management is designed to help firms improve their profitability and reduce risks.
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Categories: Loan Products Tags: Avoid, Business, cash, Credit, Crunch..., Economist, Guide, Management