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Graduation Debt: How to Manage Student Loans and Live Your Life [Paperback] chapter summaries and review: Amazon.com Review

Graduation Debt is different from the competition because it provides a step-by-step road map for effectively managing student loan debt and having a successful financial life. Yet, it’s completely positive. The focus is less on sacrifice and more on not wasting money, so readers can live better lives while paying off debt. The book’s content is divided into small subsections geared toward those neck-deep in student debt. The brevity of each section makes the book digestible to those who aren’t inclined to focus on their finances. Readers are encouraged to take action steps such as finding long lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to do so, saving money on eating out and groceries, improving credit scores, tweaking their debt-to-income ratios that’s needed to buy a home, discussing their student loan and non-student loan debt with their significant others. By the end of the book readers will be on the road to managing all their debt and having extra money for vacations and other fun stuff, too. How to Miss Student Loan Payments Without Hurting Your Credit
Amazon-exclusive content from the author Worried your credit will take a nose dive if you miss federal student loan payments? Your credit won’t be dinged if you call your loan servicer and qualify for a temporary payment reprieve. What steps do you need to get approval for an excused absence from making payments? 1. Write down your monthly expenses and your monthly income on a piece of paper. Your loan servicer is going to want to know why you need a break from student loan payments. 2. Peruse the Department of Education’s or your servicer’s Web site to see if there are special reasons you might qualify for a payment break such as military service or you’re returning to school. You’ll find the words forbearance and deferment. These are the terms used for an approved temporary break from payment. The difference between the two is that in deferment the government will pay the interest charged until your deferment expires. 3. Write down circumstances that apply to you that you found on the same piece of paper as your finances. 4. Find the contact information for all your student loans. If you don’t have your paperwork for all your loan servicers, contact the department of Education or pull up your loan list by logging in to the National Student Loan Data System Web site. 5. Click on each loan that shows a balance in the Outstanding Principal column. Scroll down to the contact chart and write down the name of your servicer and the contact number. Repeat for each loan on which you still have a balance. 6. When you call each of your servicers, tell them you need either a deferment or forbearance. Then tell them your circumstances as to why you need a payment break. There may be a brand new type of forbearance or deferment that may work better for you. 7. Don’t accept more time than the maximum you could need at once, especially if you qualify for forbearance instead of a deferment. Why? Your interest still accrues if you are granted forbearance. For example, let’s say you have $60,000 in student debt at a rate of 5 percent. You decide to take a six-month payment break. Six months later, your loan has grown to $61,500 because of accrued interest and no payments made. 8. Fill out any necessary paperwork asked for by your servicer (s). Wait a week after you submit paperwork to call and verify paperwork has been received. 9. To protect your credit, wait to stop making payments until you’ve received a notice in writing from each servicer with the exact date your deferment or forbearance will begin and end. Call each servicer to verify this date and the date you should start making payments when your deferment or forbearance ends. 10. Keep your loan information in a folder in a place where you will be able to easily find the information later.

Review

Rather than take a judgmental approach, Gobel acknowledges that young people make mistakes – the idea for the book came from her own botched approach to student loans — and makes realistic suggestions to fix problems. –Foxbusiness.com, Money101 (added by author)

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Essentials of Business Communication [Paperback] chapter summaries and review: Review

The writing exercises presented are a blessing for any teacher. The clarity of the writing sections of the text permits students to learn proper business writing and grammar. The clear examples and exercises provide the student with ample writing practice. Overall, an excellent text that will teach students proper business writing.

I?ve taught Business Communication since 1999 at Los Medanos College, and every semester the students comment on how much they like Essentials of Business Communication and especially the Web site. As an instructor I particularly enjoy the number of supplemental items that make my job easier, more interesting, and fun for the students and myself, and, most importantly, educational. Dr. Guffey is a dedicated and passionate professional, and instructors and students both benefit greatly from her textbooks.

Guffey seems to have her hands on the pulse of not only what is currently needed by students and instructors, but is looking toward what might be needed in the future. I think this is what has always made her textbooks seem more current than some of the other texts out there.

Essentials is a big hit with my students. While they are working through all the exercises and sharing their completed case problems with each other, I????????m enjoying the ease provided the instructor. The instructor????????s manual, electronic test bank, transparencies, and annotated teacher????????s text are wonderful tools. I????????m amazed at the total number of items available to help me!

I?m using WebTutor??? for the first time and so far, I?m impressed with the product! I fell in love with EBC just reviewing it over the Internet, and WebTutor??? is an awesome complement to your text!

Product Description

This text-workbook is a streamlined, no-nonsense approach to business communication. It takes a three-in-one approach: (1) text, (2) practical workbook, and (3) self-teaching grammar/mechanics handbook. The chapters reinforce basic writing skills, then apply these skills to a variety of memos, letters, reports, and resumes. This new edition features increased coverage of contemporary business communication issues including oral communication, electronic forms of communication, diversity and ethics.

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Mismeasuring Our Lives: Why GDP Doesn’t Add Up [Paperback] chapter summaries and review: Product Description

In February of 2008, amid the looming global financial crisis, President Nicolas Sarkozy of France asked Nobel Prize–winning economists Joseph Stiglitz and Amartya Sen, along with the distinguished French economist Jean Paul Fitoussi, to establish a commission of leading economists to study whether Gross Domestic Product (GDP)—the most widely used measure of economic activity—is a reliable indicator of economic and social progress. The Commission was given the further task of laying out an agenda for developing better measures.

Mismeasuring Our Lives is the result of this major intellectual effort, one with pressing relevance for anyone engaged in assessing how and whether our economy is serving the needs of our society. The authors offer a sweeping assessment of the limits of GDP as a measurement of the well-being of societies—considering, for example, how GDP overlooks economic inequality (with the result that most people can be worse off even though average income is increasing); and does not factor environmental impacts into economic decisions.

In place of GDP, Mismeasuring Our Lives introduces a bold new array of concepts, from sustainable measures of economic welfare, to measures of savings and wealth, to a “green GDP.” At a time when policymakers worldwide are grappling with unprecedented global financial and environmental issues, here is an essential guide to measuring the things that matter.

About the Author

Joseph Stiglitz is a professor of Economics at Columbia University and the recipient of the John Bates Clark Medal and a Nobel Prize. He is also the former Senior Vice President and Chief Economist of the World Bank. His books include Globalization and Its Discontents, The Three Trillion Dollar War, and Making Globalization Work. He lives in New York City.
Amartya Sen is Lamont University Professor, and Professor of Economics and Philosophy, at Harvard University. The author of numerous books, including Identity and Violence, Rationality and Freedom, and Development as Freedom, he is also the recipient of a Nobel Prize in Economics. He lives in Cambridge, Massachusetts.
Jean Paul Fitoussi is a professor of economics at Sciences-po and the president of OFCE (Sciences-po Center for Economic Research, Paris). He lives in Paris.

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