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Achieving a College Degree and the American Dream, Debt-Free!: How to Earn a College Education Without the Burden of Student-Loa

為了解決Term loan的問題，作者Green M. S. Ed, Charles R. 這樣論述：

Charley’s journey has taken him from the eastern farm hills of Kansas to military service, college administration, and the real estate industry. He has degrees in business and education plus an extensive background in management. His career as a professional entertainer and author began later in lif

e.What he shares-in an inspirational, humorous, or informational way-is a direct reflection of his life experiences. Many of his stories are of various people he’s met along the way, some who inspired him, some who opened doors, and a few who tried to discourage him. He also tells of life events tha

t challenged the depth of his faith and situations that gave him hope, inspiration, and courage to follow his dream.His research on student debt has given him a unique insight into the social and economic impact of this oftentimes overwhelming albatross. His books are directed toward parents with a

focus on college cost, impact of long-term student loan debt, and career choices. He believes it’s important for parents to work with their children in developing self-reliant plans to minimize dependence upon student loans while focusing on the right college degree and financial freedom.One of his

books, Debt-Free College Education or a Debtor’s Burden?, challenges the way parents, students, and educators approach a college education. Charley’s goal is to encourage them to choose the path of opportunity and financial literacy versus one of student loans, credit card debt, and debt suffocation

. The Debt-Free College Education series is designed to assist and guide parents as well as educators in helping future collegians develop self-reliant attitudes in their career pursuits along with realistic financial plans.Charley’s presentations are informative and timely. They challenge the way p

arents, students, and educators approach a college education. Contact Charley at [email protected] for interviews or to schedule a presentations to your group or organization. You can also find him on Facebook as Charley Green, Author.The Debt-Free College Education Series is designed to

assist and guide parents as well as educators in helping future collegians develop self-reliant attitudes in their career pursuits along with realistic financial plans.Other books available at www.CharleyGreen.com: How to Keep Student Loans From Threatening Your American DreamDebt-Free College Educ

ation or A Debtor’s Burden?The Reluctant Warrior: The Journey BeginsWill Rogers and CharleyPamphlet: ＂Seven Things You Must Know About Student Loans: The Good, The Bad, and The Ugly＂

Term loan進入發燒排行的影片

反向房屋貸款加上長期照顧定價評估

為了解決Term loan的問題，作者馬少鈞 這樣論述：

現今許多已開發國家都已進入高齡化社會，面臨到老年人口的扶養問題。為了解決這個困境，許多國家政府都在推動反向房屋貸款(Reverse Mortgage，RM)，可以讓老人將自己擁有的房產轉換成養老使用的年金，減少青壯人口的扶養負擔。而RM無法考慮到借款人的身體狀況，例如：可能生病或有慢性疾病需要人照顧，因此本篇論文以RM為基礎加上長期照顧(Long-Term Care，LTC)，評價具有提前解約選擇權RM加上LTC的公平價值。本論文假定利率期限結構服從Hull-White Model；狀態轉換機率引用 Kalbfleisch and Lawless (1984) 和傅鈺婷(2020)所計算出的

轉換機率；房屋價格使用為幾何布朗運動並假設利率與房價具有相關性。本篇論文提供兩種方式來計算公平可貸成數，一種為有將狀態細分(健康、輕度身障、中度身障、重度身障、極重度身障及死亡)，另一種是將狀態分成有無自理能力，以提供資料不足時，可以用不同的方式計算公平可貸成數。本篇論文對於合約的假設為，當借款人進入無自理能力(極重度身障)或死亡，則合約就終止。本篇論文除了計算RM加上LTC的公平可貸成數以外，還另外分析了不同參數（如：房價波動度、利率波動度、利率房價相關係數、平均利率水準、利率均值回歸率、保費率、房租率、解約懲罰金比例、長照成本、預定利率等）變化下的敏感性分析。本篇論文研究結果顯示，在無解約

情況下，使用兩種方式所計算出來的可貸成數相同，但若加入解約選擇權，使用狀態細分的可貸成數會低於只將狀態分成有無自理能力的，因為借款人在不同身體狀態會有不同的解約決策提高解約權的價值，保險公司須調低可貸成數來因應，此外，在有繼承人的狀況下，借款人不會有解約的動機，所以不影響可貸成數評價結果。

Financial Planning Basics for Doctors: The Personal Finance Course Not Taught in Medical School

為了解決Term loan的問題，作者Weintraub, Marshall/ Merrill, Michael/ Kimball, Cole 這樣論述：

Financial Planning Basics for Doctors is a comprehensive guide on building a long-term financial plan for doctors and their families. Subjects covered include student loans, home buying, disability insurance, estate planning, college planning, retirement planning, investments, and behavioral finance

, among many others.Each chapter starts with the basics before addressing more advanced concepts, frequently with examples and graphs, and concludes with a concise summary of the key takeaways. Throughout the book, there are links to free downloadable spreadsheets and a planning checklist to help yo

u jump-start and organize your financial plan. The content provided is a result of the feedback the authors have received over thousands of meetings with doctors, condensed into a thorough overview of the most relevant ideas. Teaching hospitals do an excellent job of training our next generation of

doctors, yet most new physicians graduate without having had a class on managing their finances. This book was written to fill that knowledge gap. Marshall Weintraub, Michael Merrill, and Cole Kimball are financial advisors with Finity Group, LLC, a financial planning firm specializing in working wi

th doctors. Marshall Weintraub, CFP(R)Marshall’s practice focuses on the special planning challenges doctors and their families face. His areas of professional interest include student loan management, home buying, and investment portfolio design. In addition to this book, he has written personal

finance articles for the American College of Cardiology. Marshall graduated from the University of Washington, where he endured an 0-12 football season. He remains a cautiously optimistic Huskies fan.Michael Merrill, CFP(R), ChFC(R), CLU(R)Michael Merrill is a senior partner and financial advisor at

Finity Group and one of the original founding members of Finity Group. He’s directly involved in a wide scope of the firm’s operations, most notably leading marketing efforts and setting a tone of integrity and diligence as the head of our compliance supervision department. Michael also maintains a

personal financial planning practice, serving the needs of high net worth families by directly assisting in the development and maintenance of their financial plan strategies. His professional certifications include CERTIFIED FINANCIAL PLANNER, Chartered Financial Consultant(R) (ChFC(R)), and Chart

ered Life Underwriter(R) (CLU(R)).Cole Kimball, CFA, AIF(R)Cole serves as the Chief Investment Officer at Finity Group and as a financial advisor to his clients. After graduating from the University of Colorado Boulder, he started his career on the institutional side of finance working at different

boutique broker-dealers before transitioning to the advisor role. In his free time, Cole enjoys being active and taking advantage of all the outdoor opportunities the Pacific Northwest has to offer. In the winter, there is a good chance you will bump into him on the mountains snowboarding, and in th

e summer, biking around town.

執行長薪酬存續期間對盈餘管理的影響： 美國銀行業的實證分析

為了解決Term loan的問題，作者黃雪冰 這樣論述：

銀行業一直是金融體系裡面很重要的一環，而銀行CEO的管理決策會顯著影響銀行的永續經營，過去的研究發現高階主管或CEO的薪酬會顯著影響公司的管理決策與經營績效。因此本研究以銀行CEO薪酬結構的另一個面向：平均給付期間，來探討是否會影響該銀行盈餘管理的行為（短視近利的指標之一）。首先結果顯示如果該銀行有較高的成長機會、較低的風險、以及財務報表經前四大會計事務所簽證，那麼該銀行CEO薪酬的平均給付期間就會比較長。而且越長的平均給付期間，該銀行就越不會用應計項目（放款備抵呆帳）來進行盈餘管理。