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Fundamentals of Retail Credit - Table of Contents
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Overview
Overview
Preface
Table of Contents
About Author(s)
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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