Product Description
This digital document is an article from Journal of Money, Credit & Banking, published by Ohio State University Press on February 1, 1992. The length of the article is 6178 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

From the supplier: In this paper we examine the consequences of using cost minimization as the goal of public debt management in a small open economy (SOE). Authorities are assumed to minimize interest costs subject to constraints on their ability to refinance at different maturities, and the information conditioning expectations of future interest rates. A numerical simulation model and a highly-disaggregated Canadian data set for the period 1967-87, are used in the analysis. The results presented indicate that, conditional on the SOE assumption, savings do not result from following a cost-minimizing strategy. Savings decline as authorities are increasingly constrained in their refinancing choices. However, even the gains in moderately-constrained cases suggest that cost minimization is worthy of serious consideration by authorities. (Printed by permission of the publisher.)

Citation Details
Title: Debt management objectives for a small open economy.
Author: Paul Boothe
Publication: Journal of Money, Credit & Banking (Refereed)
Date: February 1, 1992
Publisher: Ohio State University Press
Volume: v24Issue: n1Page: p43(18)

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Product Description
This book is a step-by-step program and information you’ve been looking for-the proven techniques and steps to take that will help you shred your debt while finally learning how to manage-and save-your money!

Are you drowning in debt? Has the economic meltdown finally hit you where it hurts-in a way you never expected? Have you hit the wall with nowhere to go-and nowhere to turn?

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You’ll find valuable information that will explain why bankruptcy may not be the right answer for you-despite what you may think. While bankruptcy may seem like a good idea to erase your debt, it’s certainly not an ideal situation. Plus, the laws have changed significantly-and it’s harder than ever to use bankruptcy as a “way out!” Remember-bankruptcy is your last resort.

This book will show you alternative ways to deal with your debt-from contacting credit card companies to working on ways to pay down your existing debt. But the key is to help you get on track by understanding how you got into this situation in the first place-and learning to manage your money so you won’t repeat the mistakes again.

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By putting together a budget you’ll be able to manage your money in ways you’ve never dreamed possible.

This book is going to put you on the road to financial freedom. It is your roadmap to success. This book will show you all the techniques, secrets and reasons why you CAN get out from under your debt.

You’ll learn things like:

- Why using cash or an ATM is much better for you and your future than swiping that plastic credit card when making a purchase
- Why you should avoid getting another loan-to pay off the ones you already have
- Why you should avoid-AT ALL COSTS-those “payday” loans you see on almost every street corner
- Why setting up a budget is crucial-if you’re going to be successful in managing your money
- Why you might consider consolidating all of your debts into one loan-and when to do it
Once you start applying the information and techniques inside this book you’ll feel good about yourself-you’ll know you’re doing what’s right for you and your family-and you won’t revert back to those old ways of spending.

You've probably seen what poor money management has done to your finances... and you're sick and tired of it.

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Product Description
This fall, Silver Lake Publishing is “crashing” into retail stores a new book on loan mods and other renegotiations. CRAMDOWN: Renegotiating Mortgages, Car Loans, Student Loans, Credit Card Debt, Taxes & Other Obligations in the Age of Wall Street Bailouts follows in the series that has included the national bestsellers Identity Theft and Scams & Swindles. This is the first comprehensive book on the topic of loan mods widely available to a national audience.
Today’s financial environment may seem like a chaotic free-for-all. But it's not. In order to take advantage of the opportunity to improve your situation (or your clients’) and to tell the honest brokers from the crooks, you need to know the rules. RESPA, TILA, ARRA, the FCRA, Regulation Z. This book explains those rules—and gives you the tools for explaining them to clients and prospects.
Each part of the financial sector (home loans, car loans, student loans, etc.) has its own standards, priorities and procedures. If you know these, you can speak the language of today's deal. Of the Cramdown.
Here’s the Table of Contents:
Chapter 1: The Spirit of Renegotiation
Chapter 2: Mortgage Modification
Chapter 3: Foreclosures and Deeds-in Lieu
Chapter 4: Real Estate Short Sales
Chapter 5: Settling Credit Card Balances
Chapter 6: Auto Loans and Leases
Chapter 7: Student Loans
Chapter 8: Personal Loans
Chapter 9: Payday Loans
Chapter 10: Taxes
Appendix 1: Letters, forms, etc.
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Product Description
Filing for bankruptcy is a big step that will affect your financial life for years to come. If you are struggling to pay your bills and are considering bankruptcy, nationally known bankruptcy attorney John Ventura can guide you step by step through the process, from start to finish, so you will know what to expect and how to make the best decisions along the way.

In this clear and straightforward guide, Ventura shares his years of expertise on topics including:

• Strategies for avoiding bankruptcy
• When bankruptcy is your best move
• What not to do before filing for bankruptcy
• The role that credit counseling agencies play in bankruptcy
• The differences between a Chapter 13 and a Chapter 7 bankruptcy
• How to rebuild your financial life after bankruptcy

Ventura tackles it all, including the complex emotional and ethical considerations involved, to help you navigate the ever-changing legal and financial implications of bankruptcy. All-encompassing and highly accessible, The Bankruptcy Handbook is the only guide you'll need to make the decision that is right for you. ... Read more

Product Description
This digital document is an article from Reason, published by Reason Foundation on November 1, 2010. The length of the article is 1383 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

Citation Details
Title: The return of debtor's prison: collection agencies use the criminal justice system to pocket credit card debts.
Author: Greg Beato
Publication: Reason (Magazine/Journal)
Date: November 1, 2010
Publisher: Reason Foundation
Volume: 42Issue: 6Page: 18(2)

Distributed by Gale, a part of Cengage Learning ... Read more

Product Description
YOUNG PEOPLE ARE ENTERING THE REAL-WORLD UNPREPARED TO MAKE DECISIONS WITH MONEY- AND DROWNING IN DEBT.

In a fast-paced world that thrives on instant gratification, our young people are falling prey to the temptation of credit cards. Basic skills to make good decisions with money are not taught in school and millions of young people every year are finding themselves buried in debt before age 25.

"Credit Card Debt: It Can Cost You Your Life" is a book that addresses this explosive problem by teaching young people how to demonstrate positive money management and to avoid the credit trap.

This book exposes young people to the dangers of debt by going inside the lives of four people who've been there. It further goes on to reveal simple (and critical) ways to make good decisions with money and shows step by step ways to demonstrate positive money management.

College graduates everywhere say they wish they'd had this book freshman year. Basic financial literacy is a gift evey child deserves. Money is a decision every person must make regardless of where they went to school or what grades they made. "Credit Card Debt: It Can Cost You Your Life" gives answers needed to understand money and further success in a young person's life. ... Read more

Customer Reviews (2)

Great overview of credit basics and how to handle it
This book is a concise overview of credit basics and gives excellent advise for managing it properly.A great primer for those just entering the "credit market" or those who are starting the slippery slope of credit mis-management.It is also a good refresher for those who need another dose of advise on how to properly budget.

I highly recommend it to high school and college kids who are just starting to get the influx of credit card offers.This book gives them useful insight on handling a tool that often gets abused to their great misfortune.

Susan Powell makes good use of teaching by example in her case studies and gives normally dry information in a well thought out, readable manner.

knowledgable and educating
I found this book to be factual along with being extremely easy to understand and comprehend. I wish I had read it 10 years ago I know it would have saved me multiple thousand's of dollars!

I recomend this to anyone that carries even just one credit card so you really learn how the credit card companies make their money off of you.

This book pays for itself over and over again!!!! ... Read more

Product Description
Topics Covered:

*How to Avoid Credit Card Pitfalls
*Credit Card Debt
*Moving Debt Between Cards Can Save You Money
*So You Missed a Payment…
*You're Not Alone: Credit Card Statistics
*Teen Credit Card Debt Statistics
*Student Credit Cards: The Basics
*Eliminating Credit Card Debt
*9 Steps to Tackle Your Credit Card Debt Problem
*Reduce Your Credit Card Debt Now
*Reduce Your Credit Card Debt Now
*Credit Card Debt: How to Deal With It
*Credit Card Debt Management
*Credit Card Debt Relief
*Is Credit Card Debt Counseling Really Helpful?
*The Human Side: Debt Stress
*Credit Card Debt Negotiation
*and much more...
... Read more

Product Description
Dear Internet Friend,

Are you drowning in credit card debt? Do you owe so much money you can’t make the payments? Did they raised your interest rates to Mafia levels?

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Here's a SNEAK-PEAK inside the new “Escape Credit Card Debt Today eBook.”

Table of Contents:

* Can I Get You Out Of Credit Card Debt?
* A Problem Called ‘Credit Card Debt’
* After You Pay Off Credit Card Debt
* Should I Use An Agency For Credit Card Debt Settlement?
* ‘Bad Debt Credit Card’ - What’s That?
* Before You Go For Credit Card Debt Help
* So Tired That I Typed ‘Card Com Credit Debt En Language Site’
* College Student Credit Card Debt
* Consolidate Credit Card Debt
* What Is ‘Credit Card Debt Consolidation’?
* Credit Card Debt Consolidation Loan
* Is ‘Credit Card Debt Counseling’ Really Beneficial?
* Credit Card Debt Management
* Credit Card Debt Negotiation
* Credit Card Debt Reduction
* Credit Card Debt Relief
* Credit Card Debt Settlement
* Eliminate Credit Card Debt
* Excessive Credit Card Debt
* Is Consolidating Credit Card Debt A Good Option?
* Looking For A Solution To Your Credit Card Debt Problem?
* Reduce Credit Card Debt
* Taking A Step Towards Credit Card Debt Elimination
* What Do The Teen Credit Card Debt Statistics Tell?
* The Benefits From Credit Card Debt Consolidation
... Read more

Product Description
Credit cards are no more a luxury, they are almost a necessity. So, you would imagine a lot of people going for credit cards. In fact, a lot of people posses more than one credit cards. So, the credit card industry is growing by leaps and bounds. However, the credit card industry and credit card holders are posed with a big problem called ‘Credit Card Debt’. In order to understand what ‘credit card debt’ actually means, we need to understand the workflow associated with the use of credit cards as such....

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Product Description
Ex-debt negotiator with 22 years experience reveals how to settle debts without hiring a debt settlement company. Anybody can settle their debts, you can too!

Discover how to successfully settle your unsecured debts for less than owed.

Discover why you do not need bankruptcy.

Discover the pitfalls of debt settlement.

Discover why to get agreed settlements in writing.

Discover how to handle credit card companies.

Discover how to handle debt collectors.

Discover what to do if you get sued.

And much much more… ... Read more

Product Description
Here is a taste of what you will learn inside FICO 750:Common Sense Principles on How to Repair Your Credit and Get Out of Debt.

--What Is The Best Credit Score To Get Good Credit?

--How To Raise Up Your Credit Score To 750 And Above?

--The Very First Thing To Take When Raising Your Credit Score

--How To Get Your Credit Report?

--Definitions Of The Eight Types Of Public Records

--What IS FICO Score?

--How To Find Your Score?

--Things Need To Observe When Applying For A Mortgage

--Establishing Good Credit

--Ways To Start Establishing A Good Credit

--How To Repair Your Bad Credit Score?

--What Are Credit Counselors And Debt Consolidators ... Read more

Product Description
Chapters: Debt, Default, Microcredit, Islamic Banking, Debenture, Payday Loan, Money Management International, Credit Score, Merchant Account, Loan Shark, Loans and Interest in Judaism, Collection Agency, Credit History, Prosper Marketplace, Person-To-Person Lending, Syndicated Loan, Fair Debt Collection Practices Act, Credit Bureau, Lending Club, Identity Score, Hard Money Loan, Fair Credit Reporting Act, Microcredit Summit Campaign, Debt Buyer, Moneylender, Credit Rating, John Hatch, Credit Crunch, Creative Financing, Debt Consolidation, Debt Service Coverage Ratio, Freecreditreport.com, Bridge Loan, Vertrue, Criticism of Debt, Heloc, Conforming Loan, Village Banking, Debt Validation, Comparison of Free Credit Report Websites, Fatwallet, Second Lien Loan, Negative Equity, Accion Usa, Commercial Credit Reporting, Credit Freeze, Annualcreditreport.com, Asset-Based Loan, Fair Credit Billing Act, Debt Management Plan, Loan to Value, Aca International, Medical Debt, Title Loan, Consumer Debt, Subordinated Debt, App-O-Rama, Private Student Loan, Merchant Account Provider, Liquidity Crisis, Itraxx, Credit Karma, Unsecured Loan, Creditor, Private Money, Loan Agreement, Banco Palmas, Creditor's Rights, Guaranteed Consumer Funding, Imprest System, Charge-Off, Preferential Creditor, Credit Note, Participation Loan, Credit Broker, Bank Pool Loan, Bottomry, Smart, Schumer Box, Non-Conforming Loan, Credit Cycle, Loan Guarantee, Contractum Trinius, Bridge Financing, Late Fee, Default Notice, Credit Report Monitoring, Credit Analysis, Electronic Lien and Title, Loan Covenant, Equal Credit Opportunity Act, Line of Credit, Acceptance Credit, Revolving Credit, Credit Event, Installment Loan, Retail Floorplan, Market Implied Ratings, Senior Stretch Loan, Soft Loan, Non-Performing Loan, Leveraged Lease, Texas Ratio, Credit Repair Software, Credit Spread, Partial Payment, Debt Compliance, Cross-Collateralization, Loan Application, Event of Defa...More: http://booksllc.net/?id=146740 ... Read more

Product Description
This book will help you get paid by a debtor who is reluctant to pay or has financial problems.Chapters cover: the five major reasons for non-payment, suggesting alternatives if the debtor can’t pay in full, handling stalls and objections, helping the debtor find money, dealing with disputes and negotiating settlements, responding to bad checks, making the final demand, and how to get tough. ... Read more

Product Description
This book is designed to help you collect your money by establishing a good credit policy, so you can make the best decision about whether to extend credit in the form of money, work, or sales. Chapters cover establishing your financial policy, protecting yourself ahead of time, maximizing your personal security, extending commercial credit, and managing consumer credit risks. ... Read more

Product Description
This digital document is an article from Real Estate Issues, published by The Counselors of Real Estate on September 22, 2009. The length of the article is 5085 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

Citation Details
Title: A missed assessment of real estate debt risk: how the credit rating agencies and commercial bank regulators Missed the assessment of real estate debt risk, creating the largest real estate bubble in U.S. history.(INSIDER'S PERSPECTIVE)
Author: Marc R. Thompson
Publication: Real Estate Issues (Magazine/Journal)
Date: September 22, 2009
Publisher: The Counselors of Real Estate
Volume: 34Issue: 3Page: 25(8)

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Product Description
Your credit score is one of the most important numbers you can have…It's the one number that many creditors look at before deciding to grant you credit.

If you wish to raise your credit score to help you get loans or apply for credit at the best rates possible, then you need to order your copy of Perfect Credit Score Boosting Tips and Credit Repair Strategies for Improving Your Credit and Financial Destiny.

Inside this strategy and tip filled blueprint for improving your credit score, you'll discover:

* 3 simple things you can do right now to boost your credit score

* What people aren't doing often enough with their credit which should be done on a routine basis

* A threat to your credit score you may not realize unless you review your credit report regularly

* What to do with your unused credit cards or open accounts that could hurt your credit score

* Why paying off some debts and closing your accounts can backfire

* When having no loans or no debt isn't going to improve your credit

* When asking a bank to lower your credit limit can help or hurt your credit rating

* What to do when you see an error in your credit report

* What to do if your credit report shows a problem you can't resolve

* The difference between the two types of inquiries on your credit report and which one you should be careful about

* Who you should contact besides the credit bureaus when you see inaccuracies in your credit report

* What you must do immediately after experiencing a huge financial blow if you want to save your credit

* How to establish better credit if you have bad credit

* A type of credit you should apply for if you are having trouble applying elsewhere

* When it's insane to declare bankruptcy and when it makes sense

* The signs when you should seek professional help with your credit problems before you reach the breaking point

* What to watch out for when dealing with credit repair companies

* The warning sign that a credit repair company is using unethical or illegal methods so you can avoid being their next scam victim

* Easy to apply budgeting strategies to rebuild your finances and improve your credit

* The way lenders think and how to use that insider knowledge to improve your credit score

* How to approach a lender and convince him to give you a loan that your credit score doesn't completely qualify you for

* Six strategies for getting organized so you can repair your credit score

* The right way to handle any debt you have that will help improve your credit rating

* The truth about a type of loan that promises to be a way to repair your credit but may be illegal in some states and is actually a rip-off you should avoid because it charges outrageously high interest

* The foolish way some people pay off their debts because it's the easy way out but what you should avoid because it will get you deeper into debt

* How collection agencies operate so you can counteract their harassing, abusive and underhanded tactics with calm and ease.

* How to get your emotions under control so you can focus on successfully repairing your credit

* and a whole lot more helpful tips, advice and strategies.

Get Perfect Credit Score Boosting Tips and Credit Repair Strategies for Improving Your Credit and Financial Destiny today and start enjoying the advantages that only having a high credit score can give you.
... Read more

Product Description
This volume is produced from digital images created through the University of Michigan University Library's large-scale digitization efforts. The Library seeks to preserve the intellectual content of items in a manner that facilitates and promotes a variety of uses. The digital reformatting process results in an electronic version of the original text that can be both accessed online and used to create new print copies. The Library also understands and values the usefulness of print and makes reprints available to the public whenever possible. This book and hundreds of thousands of others can be found in the HathiTrust, an archive of the digitized collections of many great research libraries. For access to the University of Michigan Library's digital collections, please see http://www.lib.umich.edu and for information about the HathiTrust, please visit http://www.hathitrust.org ... Read more

Product Description
This digital document is an article from Strategic Finance, published by Institute of Management Accountants on July 1, 2002. The length of the article is 1242 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Are you having a credit crisis? Consider asset-based lending. (Financial Management).
Author: Walter Einhorn
Publication: Strategic Finance (Refereed)
Date: July 1, 2002
Publisher: Institute of Management Accountants
Volume: 84Issue: 1Page: 28(3)

Distributed by Thomson Gale ... Read more