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Fundamentals of Retail Credit - Table of Contents

Offering: Fundamentals of Retail Credit

Titles: Fundamentals of Retail Credit in Canada

By Patrick O'Meara

  • 1. The Fundamentals of Why Households Use Credit Products
    • 1.0 - Learning Outcome Statement (LOS)
    • 1.1 - John Maynard Keynes Three Motives
    • 1.2 - The Life Cycle Hypothesis
    • 1.3 - In Summary
    • 1.4 - Test Yourself
    • 1.5 - Chapter Bibliography
  • 2. The Fundamentals of Personal Credit Analysis
    • 2.0 - Learning Outcome Statement (LOS)
    • 2.1 - Introduction
    • 2.2 - In Summary
    • 2.3 - Test Yourself
    • 2.4 - Chapter Bibliography
  • 3. The Fundamentals of Credit Scores and Credit Reports
    • 3.0 - Learning Outcome Statements (LOS)
    • 3.1 - Introduction
    • 3.2 - Credit Bureau Reports
    • 3.3 - How a Credit (FICO) Score is Interpreted by a Lender
    • 3.4 - Interpreting Credit (FICO) Scores
    • 3.5 - In Summary
    • 3.6 - Test Yourself
    • 3.7 - Chapter Bibliography
  • 4. The Fundamentals of the Cost of Borrowing
    • 4.0 - Learning Outcome Statements (LOS)
    • 4.1 - Introduction
    • 4.2 - An Introduction to Interest Rates
    • 4.3 - In Summary
    • 4.4 - Test Yourself
  • 5. The Fundamentals of the Time Value of Money Applied to Credit
    • 5.0 - Learning Outcome Statements (LOS)
    • 5.1 - Introduction
    • 5.2 - An Overview of the Time Value of Money (TVM)
    • 5.3 - The Time Value of Money (TVM) and Blended Loan Payments
    • 5.4 - Demand Loans Structured as Interest Only Payments
    • 5.5 - Annual Percentage Rate (APR) vs. The Effective Annual Rate (EAR)
    • 5.6 - In Summary
    • 5.7 - Test Yourself
  • 6. The Fundamentals of Credit Cards
    • 6.0 - Learning Outcome Statements (LOS)
    • 6.1 - Introduction
    • 6.2 - A Brief History of Credit Cards
    • 6.3 - Categories of Credit Cards
    • 6.4 - Credit Card Users Revolvers and Transactors (Convenience Users)
    • 6.5 - Cardholder Attitudes Towards Credit Cards in Canada and USA
    • 6.6 - Understanding Credit Card Accounts: Credit Cards as a Revolving Credit
    • 6.7 - A Primer on Credit Card Terminology
    • 6.8 - Average Daily Balance: Purchase and Cash Advance Interest
    • 6.9 - Low Rate Balance Transfer Offers: Compounding Interest in Reverse
    • 6.10 - In Summary
    • 6.11 - Test Yourself
    • 6.12 - Chapter Bibliography
  • 7. Fundamentals of Short Term Credit Products
    • 7.0 - Learning Outcome Statements (LOS)
    • 7.1 - Introduction to Short Term Credit Products
    • 7.2 - Overdraft Protection
    • 7.3 - The Cost of a Honouring a Cheque without Overdraft Protection
    • 7.4 - The True Cost of a Credit Card Cash Advance
    • 7.5 - ``Payday'' Loans: Convenient but Very Costly
    • 7.6 - Unsecured Personal Lines of Credit
    • 7.7 - An Overview of Various Short Term Credit Products
    • 7.8 - In Summary
    • 7.9 - Test Yourself
    • 7.10 - Chapter Bibliography
  • 8. The Fundamentals of Term Loans and Leases
    • 8.0 - Learning Outcomes Statements (LOS)
    • 8.1 - An Introduction to Term Loans and Leases
    • 8.2 - The Fundamentals of Term Loans
    • 8.3 - An Example of a Term Loan: Nick's Term Loan
    • 8.4 - The Fundamentals of Demand Loans
    • 8.5 - Purchasing a Vehicle: Loans and Leases
    • 8.6 - Financing Other Consumer Goods: ``Renting-to-Own''
    • 8.7 - In Summary
    • 8.8 - Test Yourself
  • 9. The Fundamentals of Secured Lines of Credit
    • 9.0 - Learning Outcome Statements (LOS)
    • 9.1 - Introduction to Secured Lines of Credit
    • 9.2 - Measuring the Loan-to-Value Ratio of a Secured Line of Credit
    • 9.3 - Approving a Secured Line of Credit: Bridget's Home Equity LOC
    • 9.4 - The Legal Position of a Secured Line of Credit
    • 9.5 - Valuation of Assets Used as Collateral
    • 9.6 - The Cost of Secured Lines of Credit
    • 9.7 - Pre-Approving a Secured Line of Credit
    • 9.8 - In Summary
    • 9.9 - Test Yourself
    • 9.10 - Chapter Bibliography
  • 10. The Fundamentals of Mortgages
    • 10.0 - Learning Outcome Statements (LOS)
    • 10.1 - An Introduction to Mortgages
    • 10.2 - A Mortgage as a Legal and a Financial Concept
    • 10.3 - A General Overview of Traditional and Reverse Mortgages
    • 10.4 - Mortgage LTVR & Default Insurance: Jennifer's Mortgage
    • 10.5 - Mortgage Terms: Closed, Open or Convertible Mortgages
    • 10.6 - Prepayment Privileges on Mortgages in Canada
    • 10.7 - Mortgage Interest Rates: Fixed or Variable
    • 10.8 - Comparing Regular and Accelerated Biweekly Payments
    • 10.9 - Preapproving a Mortgage
    • 10.10 - Additional Mortgage Closing Costs
    • 10.11 - Other Important Mortgage Features
    • 10.12 - Reverse Mortgages
    • 10.13 - Traditional versus Reverse Mortgages
    • 10.14 - In Summary
    • 10.15 - Test Yourself
    • 10.16 - Chapter Bibliography
  • 11. Advanced Fundamentals of Mortgages
    • 11.0 - Learning Outcome Statements (LOS)
    • 11.1 - Introduction
    • 11.2 - The Decision: Do I Take the Discount or the Cash Back?
    • 11.3 - Portability with Add On
    • 11.4 - Assumption with Add On
    • 11.5 - Blend and Extend
    • 11.6 - In Summary
    • 11.7 - Test Yourself
    • 11.8 - Chapter Bibliography
  • 12. The Fundamentals of Using Debt (Leverage) to Invest
    • 12.0 - Learning Outcome Statements (LOS)
    • 12.1 - Introduction
    • 12.2 - What is Leverage?
    • 12.3 - CRA's Rules Regarding Deductiblity of Investment Loan Interest
    • 12.4 - RRSP Loans
    • 12.5 - Buying on Margin
    • 12.6 - In Summary
    • 12.7 - Test Yourself
    • 12.8 - Chapter Bibliography
  • 13. The Fundamentals of Managing Credit
    • 13.0 - Learning Outcome Statements (LOS)
    • 13.1 - Suggested Benchmarks for Managing Credit
  • 14. Suggested Answers to Test Yourself Questions
    • 14.1 - Chapter 1
    • 14.2 - Chapter 2
    • 14.3 - Chapter 3
    • 14.4 - Chapter 4
    • 14.5 - Chapter 5
    • 14.6 - Chapter 6
    • 14.7 - Chapter 7
    • 14.8 - Chapter 8
    • 14.9 - Chapter 9
    • 14.10 - Chapter 10
    • 14.11 - Chapter 11
    • 14.12 - Chapter 12
  • 15. Case Studies
    • 15.1 - Case 1: Marie's Credit Card Application
    • 15.2 - Case 2: Casanova's Dilemma
    • 15.3 - Case 3: John and Jane Jones' Car Loan Application
    • 15.4 - Case 4: The Johnston's Secured Line of Credit
    • 15.5 - Case 5: The Martin's Mortgage Application
    • 15.6 - Case 6: Larry Lever's RRSP Loan & Margin Account