Category Archives: Education

10 Things to Never Say With Bad Credit

Bad Credit Auto Lender Shares the 10 Things to Never Say When Buying a Car in Newly Released Article

In new article, Complete Auto Loans helps buyers to be fully prepared when buying a new or used car.

Seattle, WA – September 12 – In the newly released article by Complete Auto Loans, the 10 Things to Never Say When Buying a Car are broken down, helping auto shoppers have a more enjoyable and successful buying experience. Read the article to learn why watching what you say to your dealer is more important than you’d expect. – Get approved for a car loan in as little as 60 seconds.

In the article, shoppers learn how to have the advantage over the dealership when purchasing your next car. One example from Complete Auto Loans’ article is, “Having the leverage to walk away gives you incredible negotiating power. By showing the need for urgency, the dealer is less likely to come down on the price.”

Complete Auto Loans also gives shoppers the opportunity to check their credit score. The complimentary service can help shoppers save thousands of dollars on their auto loan. For more information, visit Complete Auto Loans’ website.

About Complete Auto Loans
Complete Auto Loans is a Seattle-based company that is dedicated to helping their customers acquire national car financing. They design and develop customized no credit financing, bad and good credit loans. Voted the best for “Quality Customer Service” and “Best National Service” by thousands of people, their finance experts focus on providing their customers with the following: information and tools available for different loan offers, how to choose the best loan that fits their budget, as well as related eligibility guidelines.

Contact Information
Keith Eneix
Complete Auto Loans
+1 360-631-9441

High School Students Financial Capability Sucks

Higher One and Moneythink Announce Partnership to Address Financial Capability of High School Students

Partnership will expand high school students’ access to financial literacy educational technologies and peer counseling opportunities with college students.

New Haven, CT – September 11 – A new partnership between Higher One, a leader in providing financial services and data analytics to more than 1,900 colleges and universities across the U.S., and Moneythink, a nationally recognized movement of young people working to restore the financial health of America, will address the need to provide students with the education on how to make sound financial decisions, specifically through peer counseling and new technologies.

“We are excited to announce this partnership with Higher One—a company leading the way in providing students with necessary tools to positively impact financial capability—to expand how we reach high school students with our approach to financial literacy,” said Ted Gonder, co-founder and CEO of Moneythink. “Our innovative model pairs college students with inner city youth in an intensive mentoring program and gets young people excited about making smart financial decisions. Our goal is to start students down the path toward economic success, which in turn generates a financial ripple effect through families and entire communities.”

Money Matters on Campus, a recently released research report, found that students who received financial literacy education in high school scored significantly higher than their peers on financial knowledge questions and are more responsible when it comes to money.

“These results show the need to start financial literacy education in the K-12 setting and in ways that take into account attitudinal, behavioral and demographic differences—it’s imperative that we seek to bridge the gap and increase financial capability among college-bound students,” said Mary Johnson, director of financial literacy and student aid policy at Higher One. “Higher One believes strongly that helping students learn to manage their finances early on in their adult lives is key to achieving college degree completion, and Moneythink is a leader in reaching high school students with relevant educational tools.”

This partnership will expand the reach of Moneythink’s peer counseling initiatives and explore how to bolster the use of mobile technologies to reach students.

About Moneythink
Recognized by President Obama, Moneythink is the only movement of young people restoring the economic health of the United States through financial education. By placing trained college volunteers in urban high schools as near-peer role models and financial mentors for teenagers, Moneythink leverages a high-touch approach to financial literacy. Coupled with cutting-edge mobile technology designed to support students both in and out of the classroom, Moneythink mentors are changing the way America’s youth thinks about and interacts with money. Find out more at

About Higher One
Higher One Holdings, Inc. partners with colleges and universities to lower their administrative costs and to improve graduation rates. We provide a broad array of payment, refund disbursement and data analytics and management tools to institutions that help them save money and enhance institutional effectiveness. And for students, we offer financial literacy programs and convenient, flexible and affordable transaction options to help them manage their finances. Higher One is a leader in higher education, supporting more than 1,900 schools and 13 million enrolled students. More information about Higher One can be found at

Contact Information
Lauren Perry
Higher One
+1 203.776.7776 Ext: 4495

Tips on Improving Credit Scores

The Home Loan Arranger, Jason M. Ruedy, Provides Tips on Improving Credit Scores Before Applying for a Mortgage

Mortgage interest rates are still sitting near record lows, and it’s The Home Loan Arranger, Jason M. Ruedy’s, goal to help as many people as possible refinance their current mortgage or obtain a purchase loan before interest rates rise.

Denver, Colorado – September 10 – Denver Mortgage Banker Jason M. Ruedy, also known as The Home Loan Arranger, is on a mission to help as many people as possible refinance their current mortgage or obtain a purchase loan before mortgage interest rates rise. With interest rates still sitting at record low levels, Mr. Ruedy believes that now is the best possible time to either refinance or apply for a new mortgage. However, the lowest available mortgage interest rates are usually given to individuals with the highest credit scores. Therefore, Mr. Ruedy offers advice on how to raise a credit score prior to applying for a refinance or new mortgage.

On August 5, 2014, RealtyTimes, a website dedicated to providing real estate news and advice published an article entitled How to Improve Your FICO Scores Quickly. The article focuses on the fact that now is a great time to refinance or apply for a purchase loan – but mortgage lenders focus on FICO scores, so it’s important for potential borrowers to improve their scores as quickly as possible before attempting to refinance or apply for a new loan.

The article lists several dos and don’ts for individuals attempting to quickly raise their credit score. Some examples of the published tips include: keeping existing credit cards open, not maxing out or consolidating credit card accounts, not transferring transfer credit card balances, not changing change jobs right before applying for a mortgage, paying bills on time, paying down debt, and shopping around for the best possible mortgage terms from multiple lenders.

According to The Home Loan Arranger, there are several other methods not listed in the RealtyTimes article that can be used to try and quickly raise a person’s credit score. These methods include:

Reviewing your credit report, spotting errors, and disputing all errors until they are corrected.

Requesting that your credit limits be raised.

Avoiding the establishment of new credit cards, lines of credit, or other types of debt too quickly.

“As a mortgage lender who has been in this business for more than two decades, I’ve seen first-hand how high and low credit scores can affect the mortgage interest rate offered to potential homebuyers. If anyone is thinking about either refinancing their current mortgage, or applying for a purchase loan, my advice is to plan ahead. Make sure to get your credit score as high as possible before applying for a loan. Don’t wait until you’re half way through the application process before you start worrying about how you’re going to raise your score so you can obtain the best possible interest rate.” – Jason M. Ruedy, The Home Loan Arranger

About The Home Loan Arranger:
Mr. Jason M. Ruedy, also known as The Home Loan Arranger, has 20+ years of experience in the mortgage business. His company was built around the crucial principles of hard work, discipline, and determination. The Home Loan Arranger evaluates client applications quickly and efficiently and structures loans with the best possible terms. Mr. Ruedy is successful in achieving loan closings for clients while meeting their highest expectations. Jason M. Ruedy is ranked #2 in the state of Colorado by Scotsman Guide, which is the top leading resource for mortgage originators.

For media inquiries, please contact Mr. Jason M. Ruedy, “The Home Loan Arranger”:

The Home Loan Arranger
512 Cook St #100
Denver, CO USA
Phone: (303) 862-4742
Toll Free: (877) 938-7501

Bad Business Debt Timeline

C2C Resources Releases Bad Business Debt Timeline in Response to Business Summer Slump

Licensed commercial debt collection agency C2C Resources released a bad business debt timeline for companies struggling through the seasonal summer slump.

Atlanta, GA – September 10 – C2C Resources, a leader in commercial debt collection across the United States, released a bad business debt timeline today to assist companies who are struggling through the seasonal summer slump.

With employees often taking leave for family vacations, the summer months typically result in a delay in sales and productivity. Many businesses also feature season products and services such as pool supplies, AC repair and summer tourist town attractions. C2C Resources believes B2B and B2C companies of all sizes struggle from the summer slump.

“Unfortunately, while your business may have forecasted a decreased cash flow in the summer, there are other businesses that do not, and many could be your customers,” explained Todd Tinkler, President of C2C Resources. “The ripple effect can easily occur once this happens. To overcome it, stick to a schedule when invoicing customers and following up on past-due accounts.”

The company released the following timeline to help companies decrease bad business debt by establishing credit and accounts receivable policies.

Day 0: Send the invoice to the customer.

Day 15: For new customers or large invoices, place a pro-active call to confirm the customer has received the invoice. Always verify that the shipment was received and the order was correct. It is a good way to avoid a dispute later.

Day 35: Depending on the payment agreement, send a past-due reminder notice.

Day 45: Send a past-due follow up notice on smaller accounts and make initial past-due calls on larger accounts. If time permits on smaller accounts, a call is better than written communication at this stage.

Day 55: Move forward with the initial past due call or follow up call depending on the action taken on Day 45.

Day 65: Send a termination of credit notice or a 60-day demand notice to the delinquent customer.

Day 80: Call the client with a final demand for payment.

Day 90: Send a final demand notice.

“After 90 days you need to turn to a third-party agency for help,” said Tinkler. “Don’t risk losing the chance for payment. The longer you wait, the harder it will be.”

About C2C Resources:
C2C Resources is a global Commercial Debt Collection agency headquartered in Atlanta, Georgia. The company collects commercial debt on behalf of their over 25,000 clients and is considered one of the top agencies in the country. The executive team at C2C brings more than 60 years of experience helping businesses collect their accounts receivable.

C2Cs powerful combination of Profit Maximizer, InfoMax Collection System, and Legal Forwarding Edge, can help your company be more effective with your own in-house collecting and maximize recovery of accounts turned over for collection.

Contact Information
Trey Cefalu
C2C Resources LLC
+1 5046168434

College Identity Theft Is Big Concern

College Identity Theft Is a Big Concern for Students and Parents, Frank N. Darras, of DarrasLaw Offers Tips to Keep Your Kids’ Information Safe

Students out on their own for the first time are at a high risk for identity theft. It’s important to warn them of the risks and to take extra precautions to keep their private information private.

Ontario, CA – September 09 – According a consumer alert at the National Association of Insurance Commissioners, identity theft is a growing problem in the United States, leaving many Americans in debt due to stolen funds. Identity theft is one of the fastest growing crimes in the United States, costing victims more than $5 billion annually. In particular, many college students don’t think about identity theft and how it might impact them. These young students can be ideal targets because they tend to remain unaware of how their credit file and history works along with any future consequences. Read More.

There are many ways identity thieves can take advantage of college students including the opening of new bank accounts or loans taken out in the students’ name. There are various ways theft can occur and students need to do their best to protect their identity.

In an interview with US News, Alan Woodward, a cyber-security expert, says students don’t need too much prompting to protect themselves from identity theft: “To protect themselves, students shouldn’t share login details with anyone and should refrain from posting private information – such as a full address, social security number, or date of birth – on social media, because thieves can use those to confirm identities, Woodward says. Students should also vary passwords between accounts, which shouldn’t relate to their personal information, and avoid saving passwords or PIN numbers online or on their computers or phones, he adds,” (How to Protect Against Identity Theft in College: US News, October 2, 2012).

“It’s hard to see so many young people being taken advantage of when it is so easy to teach them the proper way to protect themselves,” states Frank N. Darras, America’s leading disability insurance lawyer. “Identity theft happens much too frequently in this country and that is something we need to change. By teaching our youth and ourselves how to protect against identity theft, we have taken our first strong defensive step. The next step is to see what insurance options we have to prevent losing our savings.”

Some insurance companies now offer identity theft insurance and it is typically offered through homeowner’s policies. The policy “will reimburse a policyholder for expenses incurred to restore his or her identity, up to the limits stated in the policy.” Unfortunately, there is nothing out there to return the money that was stolen but at least identity theft insurance can help cover funds used to file paperwork or help reclaim a stolen identity (Do You Need Insurance For Identity Theft?, August 2014).

“Don’t leave the protection of your income and life savings in the hands of someone else. As soon as you can, look at all the beneficial insurance policies out there and talk with your insurance agent about what you need for your family. Always be sure to read over any policy carefully to know what you are buying,” says Darras.

Frank N. Darras is available for interviews, contact Robin Nolan at McDavidPR. 919-745-9333

Contact Information

Robin Nolan
+1 (919) 745-9333    Robin Nolan, McDavid Public Relations

Quantitative Finance Careers For Students

Stevens Institute of Technology Launches First Book in Series on Quantitative Finance with Springer/Apress Publishing

First Title to Focus on Post-2008 Financial Engineering and Risk Management Methods: Students preparing for careers in quantitative finance have a new resource to help them understand real-world applications of financial engineering and risk. A new book, Practical Methods of Financial Engineering and Risk Management, written by Rupak Chatterjee, PhD, is now available.

Hoboken, NJ – September 05 – First Title to Focus on Post-2008 Financial Engineering and Risk Management Methods: Students preparing for careers in quantitative finance have a new resource to help them understand real-world applications of financial engineering and risk. A new book, Practical Methods of Financial Engineering and Risk Management, written by Rupak Chatterjee, PhD, is now available.

Practical Methods of Financial Engineering and Risk Management integrates a real-world view with the applications that are most relevant to the ever-changing marketplace. The author is an Industry Professor and the Deputy Director of the Financial Engineering Division at Stevens Institute of Technology and former director of the multi-asset quantitative research group at Citigroup in New York.

“For the first time between the covers of a single book, Practical Methods of Financial Engineering and Risk Management presents in a fiercely pragmatic way a large assemblage of statistical techniques and analytic measures that have been devised and deployed to control and hedge risk in the cold light of the post-2008 realities,” said Dr. Chatterjee.

This book is the first in an innovative series focused on the fast-growing field of quantitative finance being published through a partnership between Stevens Institute of Technology, a private research university located in Hoboken, New Jersey, and Springer/Apress, global publishers of high-quality STM content for technology professionals and researchers in academia.

“Events from the collapse of Lehman Brothers to the Greek sovereign debt crisis demonstrate the urgent need for adequate knowledge and tools to measure and anticipate the amplitude of potential swings in the financial markets,” said Dr. Chatterjee. “Yet many on Wall Street continue to rely on standard models based on artificially simplified assumptions that can lead to systematic (and sometimes catastrophic) underestimation of real risks.”

Dr. Chatterjee, drawing on more than 15 years of experience as a financial analyst for many of Wall Street’s top firms, covers the core set of concepts and skills that practitioners today must master, including fundamental analysis of financial instruments using Bloomberg terminals, statistical analysis of financial data, simulation of stochastic processes, statistical modeling of trading strategies, optimal hedging Monte Carlo (OHMC) methods, credit derivatives valuation, counterparty credit risk (CCR) and credit valuation adjustment (CVA), Basel II and III risk measure, power laws and extreme value theory (EVT), and hedge fund replication.

For students, this volume serves as a comprehensive introduction to the current state of the industry. For finance professionals, it provides a salutary update on the latest concepts, tools, valuation techniques, and analytic measures being deployed by Wall Street’s most astute quants.

Forthcoming titles in the Stevens̶Springer/Apress series will range from topics such as derivatives pricing, hedge fund modeling, market microstructure, portfolio theory, and securities law to the financial applications of optimization models, high-performance computing, knowledge engineering, systems technology, big data migration, munging, computational methods, programming tools, data visualization, algorithmic strategies, and object-oriented design patterns.

Practical Methods of Financial Engineering and Risk Management is available in both hard copy and electronic versions, distributed through all major retail channels, including Amazon, iTunes, and Barnes & Noble, as well as via SpringerLink (Springer’s industry-leading electronic distribution channel to academic and industry customers worldwide), Books24x7, and Safari.

About the Author
Dr. Rupak Chatterjee has over fifteen years of experience as a quantitative analyst working for various top-tier Wall Street firms. His last role before returning to academia was as Director of the Multi-Asset Hybrid Derivatives Quantitative Research group at Citigroup in New York. He was also the Global Basel III coordinator for all modeling efforts needed to satisfy the new regulatory risk requirements. Previously, he was a quantitative analyst at Barclays Capital, a vice president at Credit Suisse, and a senior vice president at HSBC. His educational background is in theoretical physics where he studied at Stony Brook University and the University of Chicago. His research interests have included discrete time hedging problems using the Optimal Hedging Monte Carlo (OHMC) method and the design and execution of systematic trading strategies that embody the hallmarks of capital preservation and measured risk taking.

About Stevens
Stevens Institute of Technology, The Innovation University®, is a premier, private research university situated in Hoboken, N.J. overlooking the Manhattan skyline. Founded in 1870, technological innovation has been the hallmark and legacy of Stevens’ education and research programs for more than 140 years. Within the university’s three schools and one college, more than 6,300 undergraduate and graduate students collaborate with more than 350 faculty members in an interdisciplinary, student-centric, entrepreneurial environment to advance the frontiers of science and leverage technology to confront global challenges. Stevens is home to four national research centers of excellence, as well as joint research programs focused on critical industries such as healthcare, energy, finance, defense, maritime security, STEM education and coastal sustainability. The university is consistently ranked among the nation’s elite for return on investment for students, career services programs and mid-career salaries of alumni. Stevens is in the midst of a 10-year strategic plan, The Future. Ours to Create., designed to further extend the Stevens legacy to create a forward-looking and far-reaching institution with global impact.

About Apress Media
With more than 1,500 books in print and e-formats, Apress is the authoritative source for IT professionals, software developers, and business leaders all over the world. Apress provides high-quality, no-fluff content that helps serious technology professionals build a comprehensive pathway to career success. Since 2007, Apress has been part of Springer Science+Business Media, one of the world’s leading scientific, technical, and medical publishing houses, enabling global distribution of Apress publications. For more information, please visit

Springer Science+Business Media ( is a leading global scientific, technical and medical publisher, providing researchers in academia, scientific institutions and corporate R & D departments with quality content via innovative information products and services. Springer is also a trusted local-language publisher in Europe – especially in Germany and the Netherlands – primarily for physicians and professionals working in healthcare and road safety education. Springer published roughly 2,200 English-language journals and more than 8,400 new books in 2013, and the group is home to the world’s largest STM eBook collection, as well as the most comprehensive portfolio of open access journals. In 2013, Springer Science+Business Media generated sales of approximately EUR 943 million. The group employs more than 7,000 individuals across the globe.

Contact Information
Danielle Wooddruffe
Stevens Institute of Technology
+1 201-216-5139