Social Worker Debt Payment Tracker

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Your Money, Your Goals

Author : Consumer Financial Consumer Financial Protection Bureau
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781508906827
Total Pages : 0 pages
Book Rating : 4.9/5 (68 download)

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Book Synopsis Your Money, Your Goals by : Consumer Financial Consumer Financial Protection Bureau

Download or read book Your Money, Your Goals written by Consumer Financial Consumer Financial Protection Bureau and published by Createspace Independent Publishing Platform. This book was released on 2015-03-18 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is "financial empowerment" and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals.

Debt-Free Degree

Author : Anthony ONeal
Publisher : Ramsey Press
ISBN 13 : 1942121121
Total Pages : 174 pages
Book Rating : 4.9/5 (421 download)

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Book Synopsis Debt-Free Degree by : Anthony ONeal

Download or read book Debt-Free Degree written by Anthony ONeal and published by Ramsey Press. This book was released on 2019-10-07 with total page 174 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every parent wants the best for their child. That’s why they send them to college! But most parents struggle to pay for school and end up turning to student loans. That’s why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.1 Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible! In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents: *How to prepare their child for college *Which classes to take in high school *How and when to take the ACT and SAT *The right way to do college visits *How to choose a major A college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.

Transformative Social Work Practice

Author : Erik M.P. Schott
Publisher : SAGE Publications
ISBN 13 : 148335962X
Total Pages : 735 pages
Book Rating : 4.4/5 (833 download)

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Book Synopsis Transformative Social Work Practice by : Erik M.P. Schott

Download or read book Transformative Social Work Practice written by Erik M.P. Schott and published by SAGE Publications. This book was released on 2015-08-24 with total page 735 pages. Available in PDF, EPUB and Kindle. Book excerpt: Transformative Social Work Practice presents an innovative and integrative approach towards critically reflective practice with an interweaving of micro, mezzo, and macro applications to real world demands. Authors Erik Schott and Eugenia L. Weiss explore issues commonly addressed by social workers, including health, mental health, addictions, schools, and family and community violence, while challenging assumptions and promoting ethically-driven, evidence-based practice perspectives to advocate for social justice and reduce disparities. The book is about redefining social work practice to meet the current and complex needs of diverse and vulnerable individuals, families, and communities in order to enhance their strengths in an era of unprecedented technological growth, globalization, and change.

Best Practices in Financial Management for Behavioral Health and Social Services

Author : J. Jay Mackie
Publisher : OPEN MINDS
ISBN 13 : 1594231427
Total Pages : 185 pages
Book Rating : 4.5/5 (942 download)

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Book Synopsis Best Practices in Financial Management for Behavioral Health and Social Services by : J. Jay Mackie

Download or read book Best Practices in Financial Management for Behavioral Health and Social Services written by J. Jay Mackie and published by OPEN MINDS. This book was released on 2008-08 with total page 185 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Tracking America's Economy

Author : Norman Frumkin
Publisher : Routledge
ISBN 13 : 1317453492
Total Pages : 426 pages
Book Rating : 4.3/5 (174 download)

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Book Synopsis Tracking America's Economy by : Norman Frumkin

Download or read book Tracking America's Economy written by Norman Frumkin and published by Routledge. This book was released on 2015-03-26 with total page 426 pages. Available in PDF, EPUB and Kindle. Book excerpt: This completely revised and updated edition of Norman Frumkin's acclaimed work offers vital information for the urgent growing debate on the state of the nation's economy. Frumkin makes complex ideas and statistical data accessible to people without special training in economics. His goal in this book is to provide a better understanding of the performance of the American economy, and a basis for evaluating proposals intended to influence its future course. Using data current through the first half of 2003, Frumkin focuses on the meaning and use of a wide array of indicators of economic growth, employment, wages, productivity, investment, saving, and finance in assessing the current state of the U.S. economy and forecasting future developments. Equally useful for economists, students, investors, journalists, and anyone concerned with the economy, this totally revised edition includes detailed coverage of many important new topics, such as terrorism's impact on the economy, federal debt and interest rates, job openings and unemployment, government spending and taxes, the 2001 recession, and more.

Policy Practice for Social Workers

Author : Linda K Cummins
Publisher : Taylor & Francis
ISBN 13 : 1351653970
Total Pages : 393 pages
Book Rating : 4.3/5 (516 download)

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Book Synopsis Policy Practice for Social Workers by : Linda K Cummins

Download or read book Policy Practice for Social Workers written by Linda K Cummins and published by Taylor & Francis. This book was released on 2023-07-18 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt: The second edition of Policy Practice for Social Workers expands the concept of policy practice in social work settings and illustrates how significant policy change may be achieved at a local, community, state, and national level. Guided by an ethic of care approach, this textbook is intended to raise readers’ awareness about policy practice and its fundamental relationship with the aims of the social work profession, offers a foundation for key skill development, and contextualizes the work of policy practitioners in the larger political-economic settings in which they work. This textbook is divided into two parts. First, readers will expand their understanding of policy practice, its beginnings and development over the course of social welfare history, and the political, economic, and social drivers that affect policy decisions and undergird the U.S. political system. Readers will also learn about the ethic of care framework and the value-based lens it contributes to the policymaking process. Later, in the book’s second part, readers will explore the essential skills and values in policy work. Detailed coverage and vivid examples offer valuable insight into specific advocacy skills including lobbying, community organizing, mobilizing advocacy publics, coalition building, campaigning, problem analysis, policy analysis, and policy evaluation. Within its comprehensive overview of policy practice and advocacy, the new edition of this text extols a value-laden perspective to identify and assess unmet needs and promote a more socially just environment for all. Combining these dual aims, Policy Practice for Social Workers is an excellent cornerstone of policy and policy work for undergraduate and graduate students in social work.

Financial Peace

Author : Dave Ramsey
Publisher : Lampo
ISBN 13 : 9780963571236
Total Pages : 268 pages
Book Rating : 4.5/5 (712 download)

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Book Synopsis Financial Peace by : Dave Ramsey

Download or read book Financial Peace written by Dave Ramsey and published by Lampo. This book was released on 2002-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dave Ramsey explains those scriptural guidelines for handling money.

Handbook of Oncology Social Work

Author : Grace Hyslop Christ
Publisher : Oxford University Press, USA
ISBN 13 : 0199941920
Total Pages : 873 pages
Book Rating : 4.1/5 (999 download)

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Book Synopsis Handbook of Oncology Social Work by : Grace Hyslop Christ

Download or read book Handbook of Oncology Social Work written by Grace Hyslop Christ and published by Oxford University Press, USA. This book was released on 2015 with total page 873 pages. Available in PDF, EPUB and Kindle. Book excerpt: The development of this inaugural Handbook of Oncology Social Work: Psychosocial Care for People With Cancer provides a repository of the scope of oncology social workers' clinical practice, education, research, policy and program leadership in the psychosocial care of people with cancer and their families. It focuses on the unique synergy of social work perspectives, values, knowledge, and skills with the psychosocial needs of cancer patients, their families, and the health care systems in which they are treated. It addresses both the science and art of psychosocial care and identifies the increasing specialization of oncology social work related to its unique knowledge base, skills, role, and the progressive complexity of psychosocial challenges for patients with cancer. This Handbook equips the reader with all that we know today in oncology social work about patient and family centered care, distress screening, genetics, survivorship, care coordination, sociocultural and economic diversity, legal and ethical matters, clinical work with adults living with cancer, cancer across the lifespan, their caregivers and families, pediatrics, loss and grief, professional career development, leadership, and innovation. Our hope is that in reading this Handbook you will identify new areas where each of you can leave your mark as innovators and change agents in our evolving field of practice.

Global Debt Database: Methodology and Sources

Author : Samba Mbaye
Publisher : International Monetary Fund
ISBN 13 : 1484353595
Total Pages : 52 pages
Book Rating : 4.4/5 (843 download)

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Book Synopsis Global Debt Database: Methodology and Sources by : Samba Mbaye

Download or read book Global Debt Database: Methodology and Sources written by Samba Mbaye and published by International Monetary Fund. This book was released on 2018-05-14 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper describes the compilation of the Global Debt Database (GDD), a cutting-edge dataset covering private and public debt for virtually the entire world (190 countries) dating back to the 1950s. The GDD is the result of a multiyear investigative process that started with the October 2016 Fiscal Monitor, which pioneered the expansion of private debt series to a global sample. It differs from existing datasets in three major ways. First, it takes a fundamentally new approach to compiling historical data. Where most debt datasets either provide long series with a narrow and changing definition of debt or comprehensive debt concepts over a short period, the GDD adopts a multidimensional approach by offering multiple debt series with different coverages, thus ensuring consistency across time. Second, it more than doubles the cross-sectional dimension of existing private debt datasets. Finally, the integrity of the data has been checked through bilateral consultations with officials and IMF country desks of all countries in the sample, setting a higher data quality standard.

Financial Capability and Asset Development

Author : Julie Birkenmaier
Publisher : Oxford University Press
ISBN 13 : 0199344167
Total Pages : 380 pages
Book Rating : 4.1/5 (993 download)

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Book Synopsis Financial Capability and Asset Development by : Julie Birkenmaier

Download or read book Financial Capability and Asset Development written by Julie Birkenmaier and published by Oxford University Press. This book was released on 2013-01-11 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. This book is a key resource for those interested in improving financial education and financial products and services for low-income families.

The Freelancer's Bible

Author : Sara Horowitz
Publisher : Workman Publishing Company
ISBN 13 : 0761175059
Total Pages : 497 pages
Book Rating : 4.7/5 (611 download)

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Book Synopsis The Freelancer's Bible by : Sara Horowitz

Download or read book The Freelancer's Bible written by Sara Horowitz and published by Workman Publishing Company. This book was released on 2012-10-23 with total page 497 pages. Available in PDF, EPUB and Kindle. Book excerpt: Amazingly, one-third of the American workforce is freelance—that’s 42 million people who have to wrestle with not just doing the work, but finding the work, then getting paid for the work, plus health care, taxes, setting up an office, marketing, and so on. Now help is here, and consultants, independent contractors, the self-employed, “solopreneurs,” and everyone else living a freelancer’s life will never be alone again but instead can be part of a strong and vibrant community. Written by the authority on freelance working, Sara Horowitz, MacArthur “Genius” Fellow and founder of the national Freelancers Union and, most recently, the Freelancers Insurance Company, The Freelancer’s Bible will help those new to freelancing learn the ropes, and will help those who’ve been freelancing for a while grow and expand. It’s the one-stop, all-encompassing guide to every practical detail and challenge of being a nimble, flexible, and successful freelancer: the three essentials of getting clients and the three most important ways to keep them happy. Five fee-setting strategies. Thirteen tactics for making it through a prolonged dry spell. Setting up a home office vs. renting space. The one-hour contract. A dozen negotiating dos and don’ts. Building and maintaining your reputation. Dealing with deadbeats. Health Insurance 101. Record-keeping and taxes. Productivity, including a quiz: “What Is Your Ideal Day?” Building a community. Subcontracting and other strategies for taking your freelancing career to the next level. Retirement plans, plans for saving for education, and how to achieve financial freedom.

Foundations of Faith

Author : Violet M. Holroyd
Publisher : Dundurn
ISBN 13 : 1459713788
Total Pages : 177 pages
Book Rating : 4.4/5 (597 download)

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Book Synopsis Foundations of Faith by : Violet M. Holroyd

Download or read book Foundations of Faith written by Violet M. Holroyd and published by Dundurn. This book was released on 1991-06-30 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Ontario landscape is dotted with places of worship, from the simple log cabin to lofty cathedrals. Behind each lie personal stories of exceptional individuals and historical events, all of which have helped shape our lives. The lovers of Anne of Green Gables may be pleasantly surprised by Lucy Maud Montgomery’s long association with the Leaksdale Manse just north of Toronto. From the James Bay lowlands comes an unusual example of ingenuity involving a historic Moose Factory landmark, while the poignant love story involving Florence Nightingale and a local minister is depicted in the attractive stained glass window of a church in Elora. A more recent page of history is captured through the side-by-side relationship of a synagogue and mosque. Throughout, Foundations of Faith will delight the armchair traveller and invite the mobile history buff to explore Ontario.

The Pig Book

Author : Citizens Against Government Waste
Publisher : Macmillan
ISBN 13 : 9780312343576
Total Pages : 212 pages
Book Rating : 4.3/5 (435 download)

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Book Synopsis The Pig Book by : Citizens Against Government Waste

Download or read book The Pig Book written by Citizens Against Government Waste and published by Macmillan. This book was released on 2005-04-06 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: A compendium of the most ridiculous examples of Congress's pork-barrel spending.

Turkish Social Law

Author : Tankut Centel
Publisher : Springer Nature
ISBN 13 : 3030647048
Total Pages : 350 pages
Book Rating : 4.0/5 (36 download)

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Book Synopsis Turkish Social Law by : Tankut Centel

Download or read book Turkish Social Law written by Tankut Centel and published by Springer Nature. This book was released on 2020-12-21 with total page 350 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book provides a comprehensive overview on the legal aspects of the social security system in Turkey. It is written specifically for lawyers and graduate law students as comparative law researchers all over the world who have a need to deal with Turkish law generally but are seeking to become specialists in social law. In addition, it has been prepared with a view to provide basic information on Turkish social legislation to foreign investors and companies in Turkey. In this way, it is helpful for them in finding solutions to problems they may encounter in practice. The book contributes to a better understanding of the essentials of the social security system in Turkey.

Dissenting Social Work

Author : Paul Michael Garrett
Publisher : Routledge
ISBN 13 : 1000347885
Total Pages : 200 pages
Book Rating : 4.0/5 (3 download)

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Book Synopsis Dissenting Social Work by : Paul Michael Garrett

Download or read book Dissenting Social Work written by Paul Michael Garrett and published by Routledge. This book was released on 2021-03-03 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book, from one of international social work’s leading radical educators, provides a richly compelling argument for the profession to become more critical and dissenting. Addressing the troubled times in which we find ourselves, Garrett’s book examines a broad range of theoretical frameworks and draws on diverse writers, such as Marx, Foucault, Brown, Zuboff, Rancière, Wacquant, Arendt, Levinas, Fanon and Gramsci. The author’s panoramic vision encompasses Ireland, the United Kingdom, the United States, Algeria, Israel/Palestine and China. Timely, lively and accessible, this book speaks directly to some of the main preoccupations of our era. Readers will be encouraged to relate developments in social work to key themes circulating around migration, the threat of neo-fascism, surveillance culture, colonialism, the Black Lives Matter movement and the COVID-19 pandemic. Imbued with a sense of hope for a brighter future, this book encourages a new generation of social work students to recognise and examine the importance of critical theory for understanding the structural forces shaping their lives and the lives of those with whom they work and provide services. This book is vital, indispensable and essential reading for social work students and other readers, throughout the world, seeking to make the connection between social work, social theory and sociology. Paul Michael Garrett—probably the most important critical social work theorist in the English-speaking world—is a remarkable and very productive critical thinker. In this book he deals with issues of migration, the threat of neo-fascism, surveillance culture, colonialism, the Black Lives Matter movement, and the COVID-19 pandemic... Insightful and inspiring, thought-provoking and comprehensive in addressing timely critical issues for social work globally. (Filipe Duarte, International Journal of Social Welfare, 2021)

Tracking Global Demand for Advanced Economy Sovereign Debt

Author : Mr.Serkan Arslanalp
Publisher : International Monetary Fund
ISBN 13 : 1475596405
Total Pages : 62 pages
Book Rating : 4.4/5 (755 download)

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Book Synopsis Tracking Global Demand for Advanced Economy Sovereign Debt by : Mr.Serkan Arslanalp

Download or read book Tracking Global Demand for Advanced Economy Sovereign Debt written by Mr.Serkan Arslanalp and published by International Monetary Fund. This book was released on 2012-12-03 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt: Recent events have shown that sovereigns, just like banks, can be subject to runs, highlighting the importance of the investor base for their liabilities. This paper proposes a methodology for compiling internationally comparable estimates of investor holdings of sovereign debt. Based on this methodology, it introduces a dataset for 24 major advanced economies that can be used to track US$42 trillion of sovereign debt holdings on a quarterly basis over 2004-11. While recent outflows from euro periphery countries have received wide attention, most sovereign borrowers have continued to increase reliance on foreign investors. This may have helped reduce borrowing costs, but it can imply higher refinancing risks going forward. Meanwhile, advanced economy banks’ exposure to their own government debt has begun to increase across the board after the global financial crisis, strengthening sovereign-bank linkages. In light of these risks, the paper proposes a framework—sovereign funding shock scenarios (FSS)—to conduct forward-looking analysis to assess sovereigns’ vulnerability to sudden investor outflows, which can be used along with standard debt sustainability analyses (DSA). It also introduces two risk indices—investor base risk index (IRI) and foreign investor position index (FIPI)—to assess sovereigns’ vulnerability to shifts in investor behavior.

Game of Loans

Author : Beth Akers
Publisher : Princeton University Press
ISBN 13 : 0691181101
Total Pages : 192 pages
Book Rating : 4.6/5 (911 download)

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Book Synopsis Game of Loans by : Beth Akers

Download or read book Game of Loans written by Beth Akers and published by Princeton University Press. This book was released on 2018-05-29 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why fears about a looming student loan crisis are unfounded—and how they obscure what's really wrong with student lending College tuition and student debt levels have been rising at an alarming pace for at least two decades. These trends, coupled with an economy weakened by a major recession, have raised serious questions about whether we are headed for a major crisis, with borrowers defaulting on their loans in unprecedented numbers and taxpayers being forced to foot the bill. Game of Loans draws on new evidence to explain why such fears are misplaced—and how the popular myth of a looming crisis has obscured the real problems facing student lending in America. Bringing needed clarity to an issue that concerns all of us, Beth Akers and Matthew Chingos cut through the sensationalism and misleading rhetoric to make the compelling case that college remains a good investment for most students. They show how, in fact, typical borrowers face affordable debt burdens, and argue that the truly serious cases of financial hardship portrayed in the media are less common than the popular narrative would have us believe. But there are more troubling problems with student loans that don't receive the same attention. They include high rates of avoidable defaults by students who take on loans but don’t finish college—the riskiest segment of borrowers—and a dysfunctional market where competition among colleges drives tuition costs up instead of down. Persuasive and compelling, Game of Loans moves beyond the emotionally charged and politicized talk surrounding student debt, and offers a set of sensible policy proposals that can solve the real problems in student lending.