If you're looking for a comprehensive and up-to-date guide to federal grants, loans, and benefit programs for individuals, non-profit organizations, and small businesses, this electronic book on CD-ROM disc has everything you need, with a definitive collection of the finest federal documents and resources. Save time and effort by using this comprehensive resource to find grants, disaster relief, loans, student aid, programs, or records! In addition to full coverage of grants and loans, there is complete information about the 2009 ARRA Stimulus package. Contents include a comprehensive and up-to-date Catalog of Federal Domestic Assistance (CFDA) program list spreadsheet, with over 1900 programs listed by program title, program number, Agency, and specific URL. The CFDA, Washington's official guide to federal grants, lists thousands of programs with loans, grants, surplus equipment, and training from 1941 agencies and departments worth $300 billion. The section on getting files and records from government agencies through the Freedom of Information Act (FOIA) and the Privacy Act has been fully updated. There is individual coverage of federal agencies and departments, along with tips and resources for grant proposal writing. Federal student aid programs are covered, with Education Department information on college loans, and the 2010 Federal Student Aid Handbook. The depth and breadth of the coverage of federal grants, loans, and small business programs is remarkable. There are programs from the Departments of Agriculture, Defense, HUD, Interior, Justice, Labor, Transportation, EPA, Energy, Nuclear Regulatory Commission, Health and Human Services, and Homeland Security. There are unique sections devoted to specific agencies or topics. FOIA and Privacy Act coverage has information on contacting every government agency, guides to writing FOIA requests, FOIA law and related topics. There is specific information on all 15 types of assistance: Formula & Project Grants, Direct Payments - Unrestricted, Loans, Insurance, Sale/Exchange/Donation of Property, Goods, Use of Property, Facilities, Equipment, Advisory Services, Counseling, Technical Information, Training, Investigation of Complaints, and Federal Employment. Categories of service provided include: Agriculture, Arts, Business, Commerce, Community Development, Consumer Protection, Disaster Prevention and Relief, Education, Employment, Labor, Training, Energy, Environmental Quality, Food, Nutrition, Health, Housing, Humanities, Information, Statistics, Law/Justice/Legal Services, Natural Resources, Regional Development, Science, Technology, Social Services, Income Security, and Transportation. The CFDA says: "Get started today exploring the amazing world of grants and loans provided by the Federal Government!" This 2010 guide features detailed coverage of loan programs for agriculture, business, disaster relief, education, housing, and veterans, with program description, application processes, and contact information. There is comprehensive information for entrepreneurs with documents, forms, and materials from the Small Business Administration and Securities and Exchange Commission: library of documents, forms, startup kit, information about loan programs and financing, laws, regulations, research reports, success stories, workbooks, and more.
Fannie Mae senior management promoted an image of the Enterprise as one of the lowest-risk financial institutions in the world and as 'best in class' in terms of risk management, financial reporting, internal control, and corporate governance. The findings in this book show that risks at Fannie Mae were greatly understated and that the image was false. During the period covered by this report - 1998 to mid-2004 - Fannie Mae reported extremely smooth profit growth and hit announced targets for earnings per share precisely each quarter. Those achievements were illusions deliberately and systematically created by the Enterprise's senior management with the aid of inappropriate accounting and improper earnings management. A large number of Fannie Mae's accounting policies and practices did not comply with Generally Accepted Accounting Principles (GAAP). The Enterprise also had serious problems of internal control, financial reporting, and corporate governance. Those errors resulted in Fannie Mae overstating reported income and capital by a currently estimated $10.6 billion. By deliberately and intentionally manipulating accounting to hit earnings targets, senior management maximised the bonuses and other executive compensation they received, at the expense of shareholders. Earnings management made a significant contribution to the compensation of Fannie Mae Chairman and CEO Franklin Raines, which totalled over $90 million from 1998 through 2003. Of that total, over $52 million was directly tied to achieving earnings per share targets. Fannie Mae consistently took a significant amount of interest rate risk and, when interest rates fell in 2002, incurred billions of dollars in economic losses. The Enterprise also had large operational and reputational risk exposures. Fannie Mae's Board of Directors contributed to those problems by failing to be sufficiently informed and to act independently of its chairman, Franklin Raines, and other senior executives; by failing to exercise the requisite oversight over the Enterprise's operations; and, by failing to discover or ensure the correction of a wide variety of unsafe and unsound practices. The Board's failures continued in the wake of revelations of accounting problems and improper earnings management at Freddie Mac and other high profile firms, the initiation of OFHEO's special examination, and credible allegations of improper earnings management made by an employee of the Enterprise's Office of the Controller. Senior management did not make investments in accounting systems, computer systems, other infrastructure, and staffing needed to support a sound internal control system, proper accounting, and GAAP-consistent financial reporting. Those failures came at a time when Fannie Mae faced many operational challenges related to its rapid growth and changing accounting and legal requirements. Fannie Mae senior management sought to interfere with OFHEO's special examination by directing the Enterprise's lobbyists to use their ties to Congressional staff to: generate a Congressional request for the Inspector General of the Department of Housing and Urban Development (HUD) to investigate OFHEO's conduct of that examination, and insert into an appropriations bill language that would reduce the agency's appropriations until the Director of OFHEO was replaced. OFHEO has directed and will continue to direct Fannie Mae to take remedial actions to enhance the safe and sound operation of the Enterprise going forward. OFHEO staff recommends actions to enhance the goal of maintaining the safety and soundness of Fannie Mae.
An informative "how to book" for homeowners, college students, schools, real estate professionals, and the general public at large which points out various techniques and strategies on how to prevent the loss of their home to a creditor. It is a step by step guide offering different scenarios on how a homeowner can bring their defaulted mortgage loan current and avoid a sheriff or trustee sale.
If you want to learn how to build credit for your small business...here is a good place to start.
'How did it ever come to this? On a cold November night I gaze out through my bedroom window to the descending mist, there is evil in the air, I can feel it tearing at my heart. My body trembles, a cold and sickening sweat drips down my forehead; my breathing is heavy and my mind erratic. My world is crumbling around me, my future, once bright and full of hope has descended into ruin. It was just one payday loan, just one ... how did it ever come to this?' Never before had the word suicide entered the mind of Steve Perry, yet after over 60 payday loans in 18 months it consumed him and led him to the very brink of self destruction. Live, through the eyes of journalist Jack Robinson, a story of stupidity, tragedy and above all the courage to fight back when all hope seems lost. Learn how a catastrophic spiral of payday loan debt was conceived, endured and ultimately defeated. This is the story of Steve's battle against the industry, a fight which has left its scars on both sides, it's a story to give strength to all of those who are in payday hell, and most importantly, it is the story of what truly happens when payday loans go wrong!
The book provides a theoretical and empirical evaluation of different housing finance systems, presenting a collection of studies that describe various aspects of selected mortgage markets around the world. The uniqueness of the chosen markets lies in the fact that they represent not only different regions around the globe (Africa, the Middle East, Asia, and Eastern Europe), but also understudied markets in different stages of economic and financial development. This book examines questions relating to housing finance efficiency and contract heterogeneity. In addition, it analyses the securitization experiences in these countries to provide lessons on how mortgage markets are integrated with capital markets and how particular institutional framework interacts with mortgage markets.Short reviews are provided for each of the selected mortgage markets. The review will include institutional aspects of the markets such as: the size and structure of the market (including flows and accumulation of funds); a description of the competition and a presentation of the major competitors (including market share, major financial measures, etc.); profitability in the market, trends, structural changes, the major mortgage instruments and their market share, special tax issues, the role of the government in the market, defaults, prepayments, mortgage insurance, and major regulatory issues.The analysis explores the major existing problems in the mortgage market of each country, the current steps adopted to solve these problems, possible propositions for dealing with the major issues in the future, and the implied future developments anticipated in the market.
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