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Alpha Books, publisher of the Complete Idiot's Guides, is a member of Penguin Group. It began as a division of Macmillan. Pearson Education acquired Macmillan General Reference (MGR) from Simon & Schuster in 1998 and retained the line while the rest of MGR was sold to IDG Books. [1] Alpha moved from Pearson Education to Penguin Group in 2003 ...
Credit rationing is not the same phenomenon as the better-known case of food rationing. Credit rationing is the result of asymmetric information whilst food rationing is a result of direct government action. With credit rationing, lenders limit the risk of asymmetric information about the borrower through a process known as credit assessment.
One of the reasons the U.S. got into the current economic mess is because mortgages were bundled into complex financial vehicles and sold to investors and so on down the road. Everybody profited ...
The concept of "credit invisibility" (a term used by the Consumer Financial Protection Bureau, the CFPB [64]) is factored into this as there are many individuals who do not use or need credit (usually the elderly), avoid using credit, or avoid participating in the credit system. Being credit invisible puts consumers at a disadvantage. [25]
Updated January 9, 2025 at 7:13 AM. President-elect Donald Trump's New Jersey liquor licenses will be in jeopardy again if Friday's hush-money sentencing date survives his US Supreme Court challenge.
Read more: What the Fed rate cut means for bank accounts, CDs, loans, and credit cards. ... That is down considerably from a peak of 7.2% in June 2022 but still above the Fed’s 2% goal.
Income is not a direct factor in determining credit score in the United States. Rather, credit score is affected by the amount of unused available credit, which is in turn affected by income. [212] Income is also considered when evaluating creditworthiness more generally. The US public vastly overestimates the amount spent on foreign aid. [213]