college
Credit Cards on Campus – How Banks Skirt The Law
A law that went into effect last year was supposed to curtail the use of credit cards on campus. But did it work?
Duration : 0:1:26
Greek Lawmakers Pass Spending Cuts Required for Loans
This is the VOA Special English Economics Report, from http://voaspecialenglish.com | http://facebook.com/voalearningenglish
Greece’s debt crisis has shaken investors in the United States and worldwide. They worry that it could spread far beyond Greece. On May sixth, a day after huge protests in Athens, the Greek parliament approved a series of spending cuts. Greece has to cut thirty billion dollars as part of a bailout deal with the European Union and the International Monetary Fund. The deal is for one hundred forty-five billion dollars in loans.The cuts include wage freezes and reductions in retirement pay for government workers. Critics say the austerity plan will hurt the poor especially. But Greek labor costs are high even for Europe. And Greece’s public debt is equal to at least one hundred fifteen percent of its economy. The cuts may be the only hope to avoid declaring bankruptcy.Sebastien Galy is senior currency strategist for the French bank BNP Paribas. He says other European countries delayed rescuing Greece because it was politically unpopular. Now they are paying for it.European countries promised to make eighty billion euros in loans available over the next three years. The International Monetary Fund promised thirty billion. The quality of Greek government debt is now rated at “junk” levels. The high risk has investors demanding higher interest rates, and not only on Greek debt. Portugal and Spain have also had their credit ratings reduced. Both borrowed from credit markets. And both had to pay far higher rates than Germany, the safest investment in the euro area.The euro is eleven years old and used as the currency of sixteen countries. But less trust in the euro has reduced its value to the lowest levels in over a year. Sebastien Galy says growth expectations for the euro area have dropped. This has affected producers of raw materials such as Australia, Brazil and Canada. But he says the falling euro should help ease the crisis. He expects the exchange rate against the dollar to reach one-to-one within a year. That would be good news for European countries with heavy debt loads. He said: “The lower the euro is, the more competitive these economies become and, therefore, the more the fiscal concerns are going to be reduced.”While the euro has fallen, the dollar has gained value. Investors fleeing risk have bought dollars and American debt.And that’s the VOA Special English Economics Report.
(Adapted from a radio program broadcast 07May 2010)
Duration : 0:3:59
From debt to debt: US post-college survival possible?
More and more American students are facing enormous tuition debt and low job prospects after graduating from college. Some find the solution of finding work abroad, but millions are settling for less. Is the US raising a generation of janitors with PhDs?Modern-day post-college survival is no joke. “I have $76,000 dollars in college debt,” said unemployed college graduate Larry Hales, who has been unsuccessfully looking for work for over a year and a half. Haunted by tuition debt, Hales is one of America’s college degree owners facing a job market that has long ago thrown out the welcome mat.
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Duration : 0:3:50
US students drown in sea of debt
American university students are beginning the new year with a mountain of debt. There is now $850bn owed in outstanding tuition costs and paying back the money is an ongoing challenge.
Two in every three American students graduate with loans outstanding, and the current debt is 11 times the total it was just two decades ago.
The average yearly cost of a bachelor’s degree in the US is between $5 000 and $43 000, compared to just over $5 000 in Canada and $1 300 in much of the European Union.
Experts say a college degree is an important investment, but in a difficult job market it is an investment that could take a lifetime to pay off.
Al Jazeera’s Tom Ackerman reports.
Duration : 0:2:0
Excel Finance Trick #6: RATE function and Loan Points
See how to use the RATE function to calculate an adjusted rate when there are Loan Points.
Period rate = RATE function.
In This Series learn 17 amazing Finance Tricks. Learn about the PMT, PV, FV, NPER, RATE, SLN, DB, EFFECT, NOMINAL, NPV, XNPV, and the CUMIPMT functions that can make your financing tasks much easier in Excel. See how to use the PMT function in the standard way, but also see how to use it while incorporating a Balloon payment or a delayed payment. Lean how to translate a Nominal interest rate into an Effective Interest rate. Learn how to calculate how long it takes to pay off a credit card balance. Lean how to calculate the Effect Rate on a Payday loan. And many more financing Tricks!!
The Excel Finance Tricks 1-17 will show an assortment of Excel Financing Tricks!
Formula
Duration : 0:4:13
$200K Student Loan Debt Website
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Duration : 0:4:25
Drowning in Debt: US students helpless to pay off education
A ticking time bomb of American debt. Over $830 billion are owed by college students in the US with $3 thousand more added on every second. The most traditional financial baggage for Americans was credit card debt. For the first time, debt belonging to college students has over taken that number one spot. “Students graduating in 2008, 2009 and 2010 are facing the worst job markets in a generation at least. And so you have people with more debt that we have ever seen before, who are having a harder time finding any job, let alone a job that pays them enough to somehow pay off all this debt.”
Duration : 0:4:2
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Duration : 0:1:19
College Students Sinking In Credit Card Debt
Sanyika Calloway Boyce’s appearance on “In the Loop with iVillage”
Duration : 0:6:35
Illegal Immigrant Denied Student Loan
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Duration : 0:5:30
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