Financial Fresh Start
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Financial Fresh Start
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Author : Shari Olefson
language : en
Publisher: AMACOM
Release Date : 2013-02-20
Financial Fresh Start written by Shari Olefson and has been published by AMACOM this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-02-20 with Business & Economics categories.
Financial Fresh Start sifts through the jargon of significant but little-understood changes to the US financial landscape--including the Dodd-Frank Act, the Making Home Affordable program, and the Consumer Financial Protection Bureau--to shed light on financial reforms and, ultimately, help you reach your financial goals. By taking a big-picture lens to a wide spectrum of money matters, the book provides answers to questions such as: How can you repair your credit quickly and avoid high costs? What are the safest places for saving and investing? Can you legally avoid repaying what you owe? Will your home ever be worth what you paid for it? Is there life after foreclosure? Are you missing out on programs that can put money in your pockets? And is it possible to make up for recent losses and still retire on time? By learning all this and more, and by gaining a deeper understanding of what the new rules and reforms really mean, readers will find the motivation to shake off their malaise and make significant financial changes. Through the application of Shari Olefson’s sound legal, financial, and real estate expertise, those changes will not only result in positive financial decisions--they’ll lead to greater financial freedom.Your credit, savings, employment benefits, real estate value, and investments can be complex and confusing. But successful navigation of financial systems isn’t just for major corporations and the mega-wealthy whose professionals keep them abreast of significant changes. The expert guidance and practical solutions found in Financial Fresh Start offer readers an unprecedented opportunity to right their finances today and improve their outlook for the future.
Financial Wellness As A Tool To Facilitate Bankruptcy S Fresh Start
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Author : Rita Williams Green
language : en
Publisher:
Release Date : 2012
Financial Wellness As A Tool To Facilitate Bankruptcy S Fresh Start written by Rita Williams Green and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.
Doctors diagnose conditions using results from tests, questionnaires patients fill out, and the information they learn from conversations with patients. All of this information is used to prescribe the best course of action to make the patient well. This qualitative research study uses a similar approach to address the primary research question: How can the financial wellness conceptual model be used to provide insight about the financial condition of married couples filing Chapter 13? The financial wellness conceptual framework is used to determine each couple's financial status as well as assess financial satisfaction, perception, and behavior. Case studies were prepared for three married couples filing Chapter 13 who completed surveys and consented to be interviewed as they waited for their creditor meetings at bankruptcy court in Memphis, Tennessee. Interviews were audio recorded and transcribed. Data were coded and classified based on the focal points of the study, which include objective status, financial behavior, satisfaction/dissatisfaction, and perception constructs. Categories were used to inductively evaluate the financial condition of the couple, based on guidelines for each construct. Data from surveys, bankruptcy records, and interviews, conducted separately with husband and wife, were used to prepare case studies that examine financial condition from the perspective of consumers, using the financial wellness conceptual model. Within the scope of the financial wellness framework, findings indicated that couples in bankruptcy have insolvent households, suffer from low satisfaction, exhibit a perceived internal or external locus of control, and engage in behavior that reflects strong cultural influences. These findings are particularly relevant in the current recessionary economy as many Americans face imminent financial failure. The financial wellness conceptual model has great potential as a tool to facilitate bankruptcy's fresh start because of its comprehensive nature since it includes both subjective and objective constructs. The purpose of bankruptcy is to give consumers a financial fresh start. However, financial relief without a tool to facilitate the fresh start in a way that makes it sustainable over time is insufficient. The financial wellness conceptual framework has great potential as a tool that can be used to help consumers achieve long-term financial wellness.
Fresh Start Bankruptcy
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Author : Deborah Levine Herman
language : en
Publisher: John Wiley & Sons
Release Date : 2003-10-21
Fresh Start Bankruptcy written by Deborah Levine Herman and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003-10-21 with Business & Economics categories.
Don't get down, get started instead-with Fresh StartBankruptcy Well over a million Americans suffer the trauma of bankruptcy everyyear. But many don't know that bankruptcy may be the idealopportunity to rein in their out-of-control finances, get back ontheir feet, and start over anew. Fresh Start Bankruptcy is a friendly and non-intimidating guidethat walks you step by step through the filing process and providesthe sympathetic, expert advice you need to survive the ordeal.Attorneys Deborah Herman and Robin Bodiford provide the informedperspective that makes tough decisions simple. They'll help youdecide whether you should retain legal counsel or move forward onyour own. And if you do decide to go it alone, you'll find all theprofessional advice you need to make the process as quick andpainless as possible. You'll learn which chapter to file and how todo it, how to protect your assets and deal with creditors, how torepair your credit, and how to navigate bankruptcy court. Personal anecdotes included in the book prove that people of allwalks of life have gone through the process and come out strongerthan before-- and you can too! So, no matter how your financialtroubles came about, stop worrying and start over with the positiveoutlook and thoughtful guidance you'll find only in Fresh StartBankruptcy.
The Wall Street Journal Guide To Starting Fresh
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Author : Karen Blumenthal
language : en
Publisher: Crown Currency
Release Date : 2011-12-20
The Wall Street Journal Guide To Starting Fresh written by Karen Blumenthal and has been published by Crown Currency this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-12-20 with Business & Economics categories.
Three years after the economic meltdown began, many of us are still reeling from its devastating effects. Maybe you're among the millions of homeowners who fell behind on their mortgages or you lost your home to foreclosure. Maybe you lost your job and have struggled to find a new one, meanwhile struggling with a drastically reduced income. Or perhaps you're one of the roughly 1.5 million Americans filing each year for bankruptcy. Or maybe you emerged from the meltdown relatively unscathed, but you've been recently divorced or widowed. Now, along with all the other accompanying emotional hardships, you must deal with a household budget that is dramatically changed. Maybe you experienced an unexpected health crisis that drained your savings or retirement account. Or perhaps you've simply grown tired of having so much debt. As tough as these situations are, they aren’t hopeless.. You have options. When the old \ rules for managing your finances no longer apply, you can take control of your situation, wipe the slate clean, and start over. Here, in the accessible, empathetic, and easy-to-understand style the Wall Street Journal Guidebook series is known for, veteran WSJ personal finance reporter Karen Blumenthal walks you through everything you need to know to leave the past behind you and get your financial life back on track. This includes how to: -Build a trusted team of professionals to help you navigate your new financial landscape -Get your credit record - the support beam of your financial scaffolding - back in order -Recalibrate your budget and weigh your big ticket expenses -Determine whether you can afford to stay in your home -Adjust your debts to your new situation -Assess your health coverage and other necessary insurance -Invest for your future retirement and other needs -Craft a sustainable plan for long-term financial health Whether you're recently divorced or widowed, or have declared bankruptcy or lost your home to foreclosure, or simply want to start with a clean slate, you can make a fresh financial start. Covering housing, insurance, health care, investing, debt, taxes, wills, and more, this book shows readers at all life stages and income levels how to adapt and adjust their finances to their new circumstances and get on the path to a better financial life.
Reliability Of Fresh Start Financial Statements And The Association Between Firms Values And Accounting Numbers After Adoption Of Fresh Start Reporting
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Author : Reuven Lehavy
language : en
Publisher:
Release Date : 1997
Reliability Of Fresh Start Financial Statements And The Association Between Firms Values And Accounting Numbers After Adoption Of Fresh Start Reporting written by Reuven Lehavy and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1997 with categories.
The second part investigates the effects of the bias on the association between firms' values and accounting numbers reported after the adoption of FSR. Using a security valuation model that links stock price with accounting variables, I derive a theoretical value for a coefficient associating the bias with prices or returns under alternative hypotheses that investors unravel the financial statement effects of the bias and that they ignore such effects. The model is estimated for eight quarters after the adoption of FSR. The results of the regressions suggest that even two years after the emergence from Chapter 11 and the adoption of FSR, investors unravel the effects of the initial bias on book values and earnings reported subsequent to the adoption of FSR. The results also suggest that while investors appear to adjust for these effects of the initial bias on reported numbers, the magnitude of the adjustment is constant over time (contrary to the predicted pattern of this adjustment).
Personal Bankruptcy
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Author : Capital One (Firm)
language : en
Publisher:
Release Date : 2010
Personal Bankruptcy written by Capital One (Firm) and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with Bankruptcy categories.
Reliability Of The Financial Statements Following The Adoption Of Fresh Start Reporting
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Author : Reuven Lehavy
language : en
Publisher:
Release Date : 2002
Reliability Of The Financial Statements Following The Adoption Of Fresh Start Reporting written by Reuven Lehavy and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with categories.
This study examines the reliability of the financial statements of 72 firms that adopted fresh start reporting upon their emergence from Chapter 11 bankruptcy protection. The study focuses on the reliability of the fair value estimate of equity recorded upon the adoption of fresh start reporting. I test whether managements strategically choose the fresh start equity value in order to gain acceptance for their reorganization plans and to enhance post-bankruptcy reported performance. Results of multivariate analyses indicate that the overstatement in the fresh start equity value (over and above market value of equity immediately after emergence from Chapter 11) is increasing in the: (i)complexity of the bankruptcy negotiations, (ii) probability of post-emergence financial distress, (ii) percentage ownership of former creditors in the reorganized entity, and (iv) CEO turnover; I also find that prepackaged bankruptcies emerge with a greater understatement in the fresh start equity value relative to non-prepackaged cases.
Embracing A Fresh Start How Consumers Engage To Change Their Lives
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Author : Ainslie Elizabeth Schultz
language : en
Publisher:
Release Date : 2016
Embracing A Fresh Start How Consumers Engage To Change Their Lives written by Ainslie Elizabeth Schultz and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
Consumers consistently pursue new beginnings regarding health, financial wellbeing, and personal growth. Conceptual metaphors like the "fresh start" can be powerful tools for reframing problems and motivating behaviors (Coulter and Zaltman 2000; Lakoff and Johnson 1980; Landau, Keefer and Meier 2010; Thibodeau and Boroditsky 2011), and are frequently featured in movies, blogs, strategic marketing communication, and products. However, research has not examined whether fresh starts can indeed help consumers set new goals and improve their performance. This dissertation seeks to explore the role of the fresh start metaphor in consumers' lives. In Chapter 2, I define the fresh start as consumers' pursuit of new beginnings, and develop a reliable scale distinct from related constructs such as optimism, hope, entity theory and psychological closure. I find that consumers who score higher on the fresh start scale focus on the future more optimistically, report higher intentions to set new goals, and increase efforts toward health and financial budgeting. In Chapter 3, I investigate whether actively engaging the metaphor of the fresh start can change consumer outcomes. I find that when participants are prompted to activate a fresh start they expect to perform better on a challenging task (e.g., losing weight or saving money) because it increases their belief that present obstacles will have less hold in the future. I also find that a fresh start translates into performance improvements when participants perform poorly on a task in a personally important domain, and self-efficacy mediates the effect. Overall, results provide strong support for the role of the fresh start as a powerful tool that consumers can use to improve well-being, overcome poor performance, set new goals, and transform for the better.
Wake Up And Smell The Money
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Author : Ginger Applegarth
language : en
Publisher: Penguin Group
Release Date : 2000
Wake Up And Smell The Money written by Ginger Applegarth and has been published by Penguin Group this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with Business & Economics categories.
In Wake Up and Smell the Money, Ginger Applegarth draws on her years as a financial planner and media personality to guide readers through the often daunting money hurdles we face across the six seasons of our financial lives. Using real-life, sometimes humorous client examples and truly idiotproof charts and worksheets, Applegarth shows you how to: -- stop worrying about the past and choose the right investment strategy to achieve wealth fight now -- save for retirement even if you also have to save for your children's college expenses -- stop marital disputes over money using Ginger's "No Argument Plan" for couples ...and much more Whether you're starting out or starting over, building up or scaring back, Wake Up and Smell the Money is the wake-up call you need to put your financial life on the front burner.
Fresh Start Or Head Start The Effect Of Filing For Personal Bankruptcy On The Labor Supply
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Author : Song Han
language : en
Publisher:
Release Date : 2004
Fresh Start Or Head Start The Effect Of Filing For Personal Bankruptcy On The Labor Supply written by Song Han and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Bankruptcy categories.
"The key feature of the modern U.S. personal bankruptcy law is to provide debtors a financial fresh start through debt discharge. The primary justification for the discharge policy is to preserve human capital by maintaining incentives for work. In this paper, we test this fresh start argument by providing the first estimate of the effect of personal bankruptcy filing on the labor supply using data from the Panel Study of Income Dynamics (PSID). Our econometric approach controls for the endogenous self-selection of bankruptcy filing and allows for dependence over time for the same household. We find that filing for bankruptcy does not have a positive impact on annual hours worked by bankrupt households, a result mainly due to the wealth effects of debt discharge. The finding is robust to a number of alternative model specifications and sample selections. Therefore, our analysis does not find supporting evidence for the human capital argument for bankruptcy discharge"--Federal Reserve Bank of Philadelphia web site.
