Insider Secrets To Credit Card Processing (The Complete Guide To Saving Big On Credit Card Processing Costs) Reviews
Insider Secrets To Credit Card Processing (The Complete Guide To Saving Big On Credit Card Processing Costs)
This book is for any business that accepts credit cards as a payment for goods and/or services. This is a complete guide to the credit card processing industry.
This book will teach you how to instantly slash your credit card processing fees.
You’ll learn:
– how to get the best rates automatically
– save hundreds of dollars on your next equipment purchase
– finally learn how to read your merchant statement
– eliminate employee theft and fraud
– how to reduce or eliminate chargebacks.
– plus much much more!
This book is designed to help you understand the rates and fees you the merchant pay for credit card processing. Once you finally understand where the money goes, you can identify the areas that need improvement so you can save money. There is a step by step plan for this in the book.
Did you know that the fines start at ,000 for lost or stolen credit card data? Learn what you must do to avoid these fines and stay in business.
Learn how to easily become PCI Compliant.
If you have a website, learn the steps you must take to become compliant with Visa and MasterCard. Don’t obey the rules and your business could be shut down.
This book is written by a 10 year veteran in the credit card processing industry. It is time a guide was written to help business owners understand the unregulated, crooked, credit card processing industry.
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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.
List Price: $ 19.95
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Categories: Loan Products Tags: 2012, Advisors, Essential, Guide, Homeowner's, Landlords, loan, Modification, Professional, Reviews
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.
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.
List Price: $ 98.95
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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.
List Price: $ 24.95
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Categories: Loan Products Tags: Commercial, Creative, Estate, Guide, Investing, Making, money, Real, Reviews, Succesfully
Finance 101: The Whiz Kid’s Perfect Credit Guide: Save House From Foreclosure (Volume 1) Reviews
Finance 101: The Whiz Kid’s Perfect Credit Guide: Save House From Foreclosure (Volume 1)
Profits Are Donated To The Children?s National Medical Center in Washington, DC No Credit? Bad Credit? Average Credit? Just Want To Learn About Finance? Well, congratulations because you have found the right book. Not even the table of contents can show all the lessons contained within this book meant to help consumers fight all types of financial problems just as Danny Singh fights for his mother including avoiding a foreclosure, reclaiming a repossessed car, fixing credit, avoiding deceptive loans as well as checking accounts filled with fees, and getting denied credit applications approved. In response to the student loans crisis looming in America and as a community college student himself, Danny advocates going to a community or state college and doing the maximum number of classes is the best financial decision that can be made versus getting into 0,000 of debt. Without needing bogus and expensive credit repair agencies, Danny will emphasize the most effective debt repayment plans and methods to save money on everyday purchases allowing for consumers to be debt free in months instead of years. Besides student loan debt, Danny expresses credit unions are the solution for consumers to effectively pay off any type of debt such as credit cards, auto loans, and mortgages. Being debt free will cause their insurance premiums to decrease and chances of better employment to increase in addition to living stress and bankruptcy free lives in which saving for retirement and other financial goals will be a breeze. Despite the financial conditions of a consumer or the economy, perfect credit is never impossible and Danny proves this in Finance 101: The Whiz Kid?s Perfect Credit Guide! If the knowledge in this book does not boost your credit scores and bank account balances then feel free to return or sell it. The purchase of this book is the only investment that is risk free but makes the most earnings.
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90 Day Money Challenge: Boot Camp For Financial Fitness Reviews
90 Day Money Challenge: Boot Camp For Financial Fitness
Everyone can do a better job of managing their money. The 90 Day Money Challenge is designed to take you on a step-by-step journey from your current financial situation to a much better place. This book is packed with practical ideas that you can begin using immediately. Getting started is not easy, but this proven process works every single time! Get past the three most dangerous mental obstacles that hold you back from getting the best use of your money. Then, implement the four simple habits of the wealthy and begin turning your financial dreams into reality!
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Credit Markets For The Poor Reviews
Credit Markets For The Poor
Access to credit is an important means of providing people with the opportunity to make a better life for themselves. Loans are essential for most people who want to purchase a home, start a business, pay for college, or weather a spell of unemployment. Yet many people in poor and minority communities—regardless of their creditworthiness—find credit hard to come by, making the climb out of poverty extremely difficult. How dire are the lending markets in these communities and what can be done to improve access to credit for disadvantaged groups? In “Credit Markets for the Poor,” editors Patrick Bolton and Howard Rosenthal and an expert team of economists, political scientists, and legal and business scholars tackle these questions with shrewd analysis and a wealth of empirical data.
“Credit Markets for the Poor” opens by examining what credit options are available to poor households. Economist John Caskey profiles how weak credit options force many working families into a disastrous cycle of short-term, high interest loans in order to sustain themselves between paychecks. Löic Sadoulet explores the reasons that community lending organizations, which have been so successful in developing countries, have failed in more advanced economies. He argues the obstacles that have inhibited community lending groups in industrialized countries—such as a lack of institutional credibility and the high cost of establishing lending networks—can be overcome if banks facilitate the community lending process and establish a system of repayment insurance. “Credit Markets for the Poor” also examines how legal institutions affect the ability of the poor to borrow. Daniela Fabbri and Mario Padula argue that well-meaning provisions making it more difficult for lenders to collect on defaulted loans are actually doing a disservice to the poor in credit markets. They find that in areas with lax legal enforcement of debt agreements, credit markets for the poor are underdeveloped because lenders are unwilling to take risks on issuing credit or will do so only at exorbitant interest rates. Timothy Bates looks at programs that facilitate small-business development and finds that they have done little to reduce poverty. He argues that subsidized business creation programs may lure inexperienced households into entrepreneurship in areas where little profitable investment is possible, hence setting them up for failure.
With clarity and insightful analysis, “Credit Markets for the Poor” demonstrates how weak credit markets are impeding the social and economic mobility of the needy. By detailing the many disadvantages that impoverished people face when seeking to borrow, this important new volume highlights a significant national problem and offers solutions for the future.
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Categories: Loan Products Tags: Credit, Markets, poor, Reviews
100% Internet Credit Card Fraud Protected Reviews
100% Internet Credit Card Fraud Protected
This book provides professional anti-fraud methods that can help you protect your business from credit card fraud.
List Price: $ 100.00
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Fair Lending Compliance: Intelligence and Implications for Credit Risk Management (Wiley and SAS Business Series) Reviews
Fair Lending Compliance: Intelligence and Implications for Credit Risk Management (Wiley and SAS Business Series)
Praise for
Fair Lending ComplianceIntelligence and Implications for Credit Risk Management
“Brilliant and informative. An in-depth look at innovative approaches to credit risk management written by industry practitioners. This publication will serve as an essential reference text for those who wish to make credit accessible to underserved consumers. It is comprehensive and clearly written.”
–The Honorable Rodney E. Hood
“Abrahams and Zhang’s timely treatise is a must-read for all those interested in the critical role of credit in the economy. They ably explore the intersection of credit access and credit risk, suggesting a hybrid approach of human judgment and computer models as the necessary path to balanced and fair lending. In an environment of rapidly changing consumer demographics, as well as regulatory reform initiatives, this book suggests new analytical models by which to provide credit to ensure compliance and to manage enterprise risk.”
–Frank A. Hirsch Jr., Nelson Mullins Riley & Scarborough LLP Financial Services Attorney and former general counsel for Centura Banks, Inc.
“This book tackles head on the market failures that our current risk management systems need to address. Not only do Abrahams and Zhang adeptly articulate why we can and should improve our systems, they provide the analytic evidence, and the steps toward implementations. Fair Lending Compliance fills a much-needed gap in the field. If implemented systematically, this thought leadership will lead to improvements in fair lending practices for all Americans.”
–Alyssa Stewart Lee, Deputy Director, Urban Markets Initiative The Brookings Institution
“[Fair Lending Compliance]…provides a unique blend of qualitative and quantitative guidance to two kinds of financial institutions: those that just need a little help in staying on the right side of complex fair housing regulations; and those that aspire to industry leadership in profitably and responsibly serving the unmet credit needs of diverse businesses and consumers in America’s emerging domestic markets.”
–Michael A. Stegman, PhD, The John D. and Catherine T. MacArthur Foundation, Duncan MacRae ’09 and Rebecca Kyle MacRae Professor of Public Policy Emeritus, University of North Carolina at Chapel Hill
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Categories: Loan Products Tags: Business, Compliance, Credit, fair, Implications, Intelligence, Lending, Management, Reviews, Risk, series, Wiley