Act of Congress: How America’s Essential Institution Works, and How It Doesn’t
Act of Congress: How America’s Essential Institution Works, and How It Doesn’t
An eye-opening account of how Congress today really works—and doesn’t—that follows the dramatic journey of the sweeping financial reform bill enacted in response to the Great Crash of 2008.
The founding fathers expected Congress to be the most important branch of government and gave it the most power. When Congress is broken—as its justifiably dismal approval ratings suggest—so is our democracy. Here, Robert G. Kaiser, whose long and distinguished career at The Washington Post has made him as keen and knowledgeable an observer of Congress as we have, takes us behind the sound bites to expose the protocols, players, and politics of the House and Senate—revealing both the triumphs of the system and (more often) its fundamental flaws.
Act of Congress tells the story of the Dodd-Frank Act, named for the two men who made it possible: Congressman Barney Frank, brilliant and sometimes abrasive, who mastered the details of financial reform, and Senator Chris Dodd, who worked patiently for months to fulfill his vision of a Senate that could still work on a bipartisan basis. Both Frank and Dodd collaborated with Kaiser throughout their legislative efforts and allowed their staffs to share every step of the drafting and deal making that produced the 1,500-page law that transformed America’s financial sector.
Kaiser explains how lobbying affects a bill—or fails to. We follow staff members more influential than most senators and congressmen. We see how Congress members protect their own turf, often without regard for what might best serve the country—more eager to court television cameras than legislate on complicated issues about which many of them remain ignorant. Kaiser shows how ferocious partisanship regularly overwhelms all other considerations, though occasionally individual integrity prevails.
Act of Congress, as entertaining as it is enlightening, is an indispensable guide to a vital piece of our political system desperately in need of reform.
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Introduction to Project Finance (Essential Capital Markets)
Introduction to Project Finance (Essential Capital Markets)
The term “project finance” is now being used in almost every language in every part of the world. It is the solution to infrastructure, public and private venture capital needs. It has been successfully used in the past to raise trillions of dollars of capital and promises to continue to be one of the major financing techniques for capital projects in both developed and developing countries.
Project Finance aims to provide:
*Overview of project finance
*Understanding of the key risks involved in project finance and techniques for mitigating risk
*Techniques for effective evaluation of project finance from both a financial and credit perspective
The author differentiates between recourse and non-recourse funding, tackles the issues of feasibility, identifies the parties normally involved with project finance plans, and details techniques for realistic cash flow preparation.
*Inspired by basic entry level training courses that have been developed by major international banks worldwide
*Will enable students, and those already in the finance profession, to gain an understanding of the basic information and principles of project finance
*Includes questions with answers, study topics, practical ‘real world’ examples and an extensive bibliography
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Categories: Loan Products Tags: Capital, Essential, Finance, Introduction, Markets, project
Loan Modification 2012: Essential Guide for Homeowners Landlords Professional Advisors Reviews
Loan Modification 2012: Essential Guide for Homeowners Landlords Professional Advisors
Mortgage problems? Everything changed on June 1, 2012. This book will help. It’s the consumer’s version of federal rules for modifying home loans, current with important changes that took effect on June 1, 2012. If you don’t know what to do. If you’ve applied for a modification, but it’s taking too long. Even if you’ve been turned down. Rely on this valuable resource during a long, unfamiliar, and discouraging process. It can shift the balance of power and help you get control. Cut through technical jargon and specialized knowledge. Homeowners, landlords, and their trusted advisors now have a simple and complete reference when working with lenders. Step by step, it explains what you need to know and do to get a loan modification. The federal Making Home Affordable Modification Program sets rules for more than 85% of all home loans. What are the rules? Can I lower my payments? Is my lender required to modify my loan? Do I qualify? Does my lender play by the rules? Here are the answers to your questions, plus 12 questions to ask your lender. Now you can understand the guidelines that the big lenders like Bank of America, Chase, and Wells Fargo use to modify home loans. They claim they want to help. It doesn’t matter – they are overwhelmed. Borrowers must take responsibility for themselves. This book makes that possible. Loan Modification 2012 Essential Guide includes helpful suggestions and practical tools. Use the forms, grids, and worksheets to calculate your new payment, complete financial information, and qualify for a modification. Look up unfamiliar, but crucial terms in the Glossary. This is the User’s Manual for homeowners, landlords, and their professional advisors to get the most out of the Home Affordable Modification Program. Knowledge is power. Get the results you want and deserve.
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Categories: Loan Products Tags: 2012, Advisors, Essential, Guide, Homeowner's, Landlords, loan, Modification, Professional, Reviews
Payday Loans: Essential And Vital Hints
Payday loans are small loans advanced by lenders within short period of time and are provided with short time application. These are available to one and all. In case we urgently require for a cash, there are lot of payday loan lenders available in the market that will provide us money with minimum paperworks.
The loan approval is simple. It only requires us to give elementary information. If we are employed for more than six months, the loan process becomes simpler.
Payday loans act as a helping hand during our unexpected and unforeseen financial crisis. Basically, unexpected financial crisis may really affect financial balancing. Though, there are certain limitations, getting a payday loan will eventually become essential and necessary to manage and handle the situation.
Moreover, having adequate knowledge as far as payday loans are concerned is integral for the instant and quick processing of the loan.
Below are the essential and vital hints to help one and all about the details of payday loans.
First, payday loans are short-term loans which have to be paid back usually when the day for the next payday comes. These loans do not require any collateral security or a good credit report.
Secondly, the primary eligibility requirement for these loans is that, a borrower must be at least 18 years old and must have a checking account. Must be employed for more than six months.
Third, be aware that most of the payday companies brag that they are not requiring any credentials or documents for the loan approval; however, they will give the amount only after strict scrutiny. In addition, most of them have somehow similar terms and rates, thus, we borrowers must have intensive research in identifying the most convenient payday loan deal.
Fourth, payday companies have made the loan processing very simple and easy. If all the information we have provided in the application are satisfactory, the greater chance of obtaining the loan and meet the urgency of needs in an instant is achieve.
Fifth, in the application, the necessary information includes address, contact numbers, payment details, bank name, active bank account number and check number. These things if provided well, shall definitely help us in moving the loan processing to become fast.
Sixth hint, Though satisfactory information were provided in the application process, we should still be ready with additional things such as pay slips, social security card and blank checks. These are for some of the companies that require the credentials to be faxed to them. This is if in case we meet such company.
Seventh thing is, The fact that these loans are short-term loans, before applying fore these, we should make sure that we can repay the amount we ought to borrow on the next payday.
Eight, By the procedure called roll over, if we cannot repay the amount completely on its due date, we can still manage the loan. We should try the roll over thus we can think about the possibility of it. Another thing is the loan extension which is also become very applicable for loan borrower.
Second from the last hint is, Our goal in obtaining a payday loan aside from the fact that we need the loan for emergency is to build a good reputation with the lenders or in other words build a good track record of loan transaction. This is to help us initially in increasing our maximum limit of loan amount base on our track record.
Finally, everybody should be aware of the extremely high interest rates charged by payday lenders. Payday loans are only advisable to be obtained if this would be the last option to prefer.
May this article have made all of us aware of what payday loans are and later enjoy the hassle payday deal. http://www.cashinahurry.com
Written by Princess Lee
I’m Princess Lee, 26 years old entrepreneur based in New York. I have put up a resto business of my own.
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