Game Of Loans
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Game Of Loans
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Author : Beth Akers
language : en
Publisher: Princeton University Press
Release Date : 2016-09-20
Game Of Loans written by Beth Akers and has been published by Princeton University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-09-20 with Education categories.
Why fears about a looming student loan crisis are unfounded—and how they obscure what's really wrong with student lending College tuition and student debt levels have been rising at an alarming pace for at least two decades. These trends, coupled with an economy weakened by a major recession, have raised serious questions about whether we are headed for a major crisis, with borrowers defaulting on their loans in unprecedented numbers and taxpayers being forced to foot the bill. Game of Loans draws on new evidence to explain why such fears are misplaced—and how the popular myth of a looming crisis has obscured the real problems facing student lending in America. Bringing needed clarity to an issue that concerns all of us, Beth Akers and Matthew Chingos cut through the sensationalism and misleading rhetoric to make the compelling case that college remains a good investment for most students. They show how, in fact, typical borrowers face affordable debt burdens, and argue that the truly serious cases of financial hardship portrayed in the media are less common than the popular narrative would have us believe. But there are more troubling problems with student loans that don't receive the same attention. They include high rates of avoidable defaults by students who take on loans but don’t finish college—the riskiest segment of borrowers—and a dysfunctional market where competition among colleges drives tuition costs up instead of down. Persuasive and compelling, Game of Loans moves beyond the emotionally charged and politicized talk surrounding student debt, and offers a set of sensible policy proposals that can solve the real problems in student lending.
Game Of Loans
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Author : Beth Akers
language : en
Publisher: Princeton University Press
Release Date : 2018-05-29
Game Of Loans written by Beth Akers and has been published by Princeton University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-05-29 with Education categories.
Why fears about a looming student loan crisis are unfounded—and how they obscure what's really wrong with student lending College tuition and student debt levels have been rising at an alarming pace for at least two decades. These trends, coupled with an economy weakened by a major recession, have raised serious questions about whether we are headed for a major crisis, with borrowers defaulting on their loans in unprecedented numbers and taxpayers being forced to foot the bill. Game of Loans draws on new evidence to explain why such fears are misplaced—and how the popular myth of a looming crisis has obscured the real problems facing student lending in America. Bringing needed clarity to an issue that concerns all of us, Beth Akers and Matthew Chingos cut through the sensationalism and misleading rhetoric to make the compelling case that college remains a good investment for most students. They show how, in fact, typical borrowers face affordable debt burdens, and argue that the truly serious cases of financial hardship portrayed in the media are less common than the popular narrative would have us believe. But there are more troubling problems with student loans that don't receive the same attention. They include high rates of avoidable defaults by students who take on loans but don’t finish college—the riskiest segment of borrowers—and a dysfunctional market where competition among colleges drives tuition costs up instead of down. Persuasive and compelling, Game of Loans moves beyond the emotionally charged and politicized talk surrounding student debt, and offers a set of sensible policy proposals that can solve the real problems in student lending.
The Mortgage Game
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Author : Manny Kagan
language : en
Publisher: Advantage Media Group
Release Date : 2012-10-15
The Mortgage Game written by Manny Kagan and has been published by Advantage Media Group this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-10-15 with Business & Economics categories.
From his childhood of factory work in communist Latvia to his current life as one of the Bay Area's most respected and successful mortgage industry professionals, Manny Kagan has enjoyed a colorful journey to the top.In this fascinating new book, The Mortgage Game, Manny shares not only his amazing life story but also his secrets to finding the best mortgages possible. It all boils down to his trademark "Five Cs"--Collateral, Capacity, Credit, Capital and Character. Using real-life examples, Manny shows how he was able to overcome the "minuses" of some of his mortgage- or refinance-seeking clients (and most clients have some minuses) and turn them into "pluses." Just about every mortgage lender working today talks about the Four Cs, but Kagan takes it a step further and includes his own signature fifth C--character. This is the one that often makes the difference - and it's the one that helped him become a leader in the industry. In this book Kagan pulls back the curtain and shares details of his own real estate transactions--from the very first house he and his wife bought for their family, to subsequent refinance deals he was able to close on a basket of rental properties. The Mortgage Game is a valuable tool for anyone who's thinking of investing in real estate or refinancing an existing loan. The Mortgage Game offers up-to-date information on the current marketplace, along with clear explanations of how the market got itself into so much trouble. But this valuable book also offers more - it's the one reference guide every home-buyer needs.
Rules Of The Lending Game
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Author : Stuart Wemyss
language : en
Publisher: Major Street Publishing
Release Date : 2022-01-01
Rules Of The Lending Game written by Stuart Wemyss and has been published by Major Street Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-01-01 with Business & Economics categories.
Investing in property is the largest single financial transaction anyone will make. Property buyers usually concentrate their research on online search engines, looking at glossy photos of beautifully staged homes. Instead, they would be better off working out how much they will need to borrow, how they should structure their loan and who would be the best lender. Author and personal finance expert, Stuart Wemyss, admits that finding the right loan is a bit like a game of snakes and ladders. You run up the ladder when you think you've found the lowest interest rate, only to slide down the snake when you realise the fees are high and conditions are stringent. "Interest is the single largest lifetime expense for investors" says Stuart. "The amount of borrowings investors carry affects their net worth and their cash flow and can make or break their retirement goals. Getting their borrowing right and structuring their investments correctly can save a considerable amount of money - often thousands of dollars per year."To make sure you get your borrowing right, Stuart explains the Rules of the Lending Game in this fascinating book. It contains invaluable information on: Choosing the right loan products Calculating how much to borrow and how to reduce the overall cost Structuring loans to manage cash flow and create wealth Making the most of your equity.
Microfinance Games
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Author :
language : en
Publisher: World Bank Publications
Release Date : 2006
Microfinance Games written by and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Game theory categories.
"Microfinance has been heralded as an effective way to address imperfections in credit markets. But from a theoretical perspective, the success of microfinance contracts has puzzling elements. In particular, the group-based mechanisms often employed are vulnerable to free-riding and collusion, although they can also reduce moral hazard and improve selection. The authors created an experimental economics laboratory in a large urban market in Lima, Peru and over seven months conducted 11 different games that allow them to unpack microfinance mechanisms in a systematic way. They find that risk-taking broadly conforms to predicted patterns, but that behavior is safer than optimal. The results help to explain why pioneering microfinance institutions have been moving away from group-based contracts. "--World Bank web site.
Debt Games
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Author : Vinod K. Aggarwal
language : en
Publisher: Cambridge University Press
Release Date : 1996-04-26
Debt Games written by Vinod K. Aggarwal and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996-04-26 with Business & Economics categories.
International debt rescheduling, both in earlier epochs and our present one, has been marked by a flurry of bargaining. In this process, significant variation has emerged over time and across cases in the extent to which debtors have undertaken economic adjustment, banks or bondholders have written down debts, and creditor governments and international organizations have intervened in negotiations. Debt Games develops and applies a situational theory of bargaining to analyze the adjustment undertaken by debtors and the concessions provided by lenders in international debt rescheduling. This approach has two components: a focus on each actor's individual situation, defined by its political and economic bargaining resources, and a complementary focus on changes in their position. The model proves successful in accounting for bargaining outcomes in eighty-four percent of the sixty-one cases, which include all instances of Peruvian and Mexican debt rescheduling over the last one hundred and seventy years as well as Argentine and Brazilian rescheduling between 1982 and 1994.
Home Sweet Home Loan Essential Concepts For Winning The Mortgage Game
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Author : Douglas J. Brennecke
language : en
Publisher:
Release Date : 2011-01-04
Home Sweet Home Loan Essential Concepts For Winning The Mortgage Game written by Douglas J. Brennecke and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-01-04 with categories.
The International Debt Game
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Author : Brian Kettell
language : en
Publisher:
Release Date : 1986
The International Debt Game written by Brian Kettell and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1986 with Debts, External categories.
The Stanford Bank Game Version 11
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Author : George G. Parker
language : en
Publisher: Thomson South-Western
Release Date : 1995
The Stanford Bank Game Version 11 written by George G. Parker and has been published by Thomson South-Western this book supported file pdf, txt, epub, kindle and other format this book has been release on 1995 with Bank management categories.
This is the personal computer version of the Stanford Bank Management Simulator. It explores the following: gap analysis; capital adequacy; cost of funds; interest rate risk; fee income; and increasing lending risks.
Debt Free U
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Author : Zac Bissonnette
language : en
Publisher: Penguin
Release Date : 2010-08-31
Debt Free U written by Zac Bissonnette and has been published by Penguin this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-08-31 with Education categories.
This book can save you more than $100,000. These days, most people assume you need to pay a boatload of money for a quality college education. As a result, students and their parents are willing to go into years of debt and potentially sabotage their entire financial futures just to get a fancy name on their diploma. But Zac Bissonnette is walking proof that this assumption is not only false, but dangerous-a class con game designed to rip you off and doom your student to a post-graduation life of near poverty . From his unique double perspective-he's a personal finance expert (at Daily Finance) AND a current senior at the University of Massachusetts-Zac figured out how to get an outstanding education at a public college, without bankrupting his parents or taking on massive loans. Armed with his personal knowledge, the latest data, and smart analysis, Zac takes on the sacred cows of the higher education establishment. He reveals why a lot of the conventional wisdom about choosing and financing college is not only wrong but hazardous to you and your child's financial future. You'll discover, for instance, that: * Student loans are NOT a necessary evil. Ordinary middle class families can- and must-find ways to avoid them, even without scholarships. * College "rankings" are useless-designed to sell magazines and generate hype. If you trust one of the major guides when picking a college, you face a potential financial disaster. * The elite graduate programs accept lots of people with non-elite bachelors degrees. So do America's most selective employers. The name on a diploma ultimately won't help your child have a more successful career or earn more money. Zac can prove every one of those bold assertions - and more. No matter what your current financial situation, he has a simple message for parents: "RELAX! Your kid will be able to get a champagne education on a beer budget!"