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Old 08-02-2011, 09:04 PM   #111
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overvalued currency (F3)<br />A currency with a value above its sustainable market rate.

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charge card (G2)<br />A plastic card issued by a financial institution, such as a bank or a retailer, which allows the holder to charge the sum due for the purchase of goods or services to an account. This reduces the need to hold cash for transactions purposes and provides the holder with credit until the account is payable. Major examples of such cards include those issued by American Express and the Diners' Club.<br /><em>See also:</em> credit card; debit card
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Old 08-02-2011, 09:28 PM   #112
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<strong>Variable rate</strong> – An interest rate that varies over time and generally has a specified maximum (cap). Prior to July 1, 2006, interest rates on FFEL Program loans were variable with an 8.25% cap. (Beginning July 1, 2006, interest rates are now fixed rates, with the maximum established at 6.8% for Stafford Loans and 8.5% for FFEL Program PLUS Loans.)

<strong>Borrower</strong> – A person who obtains a loan and must repay it. This term is NOT synonymous with “student.”
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<strong>OAKFAP</strong> – The Ozark area group of financial aid professionals, normally meeting in Springfield.
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required reserve ratio (E5)<br />Ratio of reserve assets to the total deposits of a bank or other regulated financial institution set by a central bank. For UK CLEARING BANKS the ratio was set at 12Yz per cent in the period 1971-81, after which the proportion of reserves they hold is at their own discretion.

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Old 08-02-2011, 09:52 PM   #113
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closed-end fund (G1)<br />A MuruAL FUND bought at a discount. Sales and purchases can only be made between investors thus maintaining a stable pool of investment money. The price is determined
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joint products (D2)<br />Products which are the inseparable consequence of a single production process, e.g. cattle farming yields milk, meat and hides, coal mining produces coal, coke, gas and a variety of chemicals. In many cases, the rate of production for each of the products is the same.
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marzipan layer (G2, M1)<br />The managers below the level of director or partner who are responsible for the operations of a financial institution such as a bank or brokerage house,

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Old 08-02-2011, 10:15 PM   #114
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foreign direct investment (F2) Investment in the businesses of another country which often takes the form of the setting up of local production facilities or the purchase of existing businesses. It is to be contrasted with PORTFOLIO INVESTMENT, which is the acquisition of securities. FDI has been much criticized, in the case of MULTINATIONAL CORPORATIONS, as a form of neo-colonialism. In its favour it can be said that it increases the level of investment in countries which otherwise would be undercapitalized and, as dividends vary with the prosperity of an industry (and a high proportion is reinvested in the local economy), it can be less burdensome than the servicing of fixed interest borrowing. For political reasons in the past, a disproportionate amount of direct investment in Third World countries went to Brazil, Mexico and South Africa, as well as to the EUROPEAN COMMUNITY to escape the COMMON EXTERNAL TARIFF. Some advanced economies fear the takeover of their industries by stronger, foreign economies, e.g. the USA is anxious about Japanese investment in many parts of the US economy.
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convertible currency (F3)<br />A currency exchangeable for gold or a major currency. After the Second World War, the UK pound did not return to full convertibility until 1958; in the late twentieth century, East European currencies were the last major currencies to remam inconvertible.<br /><em>See also:</em> Bullionist controversy
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<strong>DP Grant</strong> – Default Prevention Grant program, offered by the MDHE since 2001. Schools are periodically invited to submit proposals for grant funds to help reduce their default rates, reduce default claims paid for their borrowers, improve retention rates, implement financial literacy programs, or implement other default prevention activities.
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Old 08-02-2011, 10:38 PM   #115
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<strong>Excel</strong> – A Microsoft spreadsheet software package. Reports available within MODEL Direct may be exported in a Microsoft Excel format.
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<strong>CommonLine unique identifier</strong> – A sequence of numbers and letters (17 characters) typically assigned by the guarantor at the time of guarantee. Components of the unique identifier include the 6-digit school OPE ID (positions 1-6), a 4-digit school branch code (positions 7-10), a 1-digit system ID (position 11), and an incremental code (positions 12-17). Term may be abbreviated as “CL unique ID.”
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Bureau of Economic Analysis (H1)<br />The branch of the US Department of Commerce responsible for assembling and publishing US national income accounts.<br /><em>See also:</em> National Income and Product Accounts

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Old 08-02-2011, 10:47 PM   #116
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Old 08-02-2011, 10:51 PM   #117
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Old 08-02-2011, 10:52 PM   #118
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Old 08-02-2011, 11:00 PM   #119
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<strong>Partial cancellation</strong> – Pre-disbursement cancellation of a portion of a loan or disbursement rather than a full cancellation of an entire loan. May also be referred to as a disbursement amount change and is defined within CommonLine file specifications' @1-09 record. (Note: the post-disbursement version of this transaction is defined within the @1-10 record.)

<strong>Application</strong> – 1) The paper form or the information provided online/electronically to initiate a FFEL Program loan. Electronic versions of the application include MODEL Direct, CommonLine application send files, etc. 2) An eligibility determination for the state student assistance programs administered by the MDHE.

alienated work (J2)<br />Wage labour; work which is subject to the will of another. This kind of work is a non-fulfilling means to an end, often because it is work performed out of personal economic necessity. SMITH's notion of labour as 'toil and trouble' explains much of alienation. As professional jobs are often deeply satisfying they rarely involve alienation.
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near rationality (DO)<br />The tendency to take a decision differing f rom an optimal decision by the amount because of iner tia, adjustment, menu costs or errors in implementation.<br /><em>Reference</em><br />Akerlof, G. and Yellen, J. (1985) 'Can small deviations from rationality make significant differences in economic equilibria?', American Economic Review 75: 708-20.
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Old 08-02-2011, 11:26 PM   #120
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artificial currency (F3)<br />A currency unit used either as a common unit of account for international transactions or as an international reserve asset. Principal examples of these are SPECIAL DRAWING RIGHTS, EUROPEAN CURRENCY UNITS, EUROPEAN UNITS OF AccouNT and, in general, baskets of currencies. Such currencies are very useful for international accounting in times of volatile exchange rates.<br /><em>See also:</em> gold franc
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collective bargaining (J5)<br />Negotiations between a TRADE (LABOR) UNION and a single employer or EMPLOYERS' ASSOCIATION over pay, working conditions and other employment matters. It can only be genuine if the parties are free to initiate discussions and reach a settlement: under INCOMES POLICIES, and in countries where trade unions have little independence from the state, this is not possible. It is usually bilateral, but sometimes other interested parties are at the bargaining table, e.g. in some US teachers' negotiations where parents are represented. It can take place at different levels - national, industrial, the firm or workplace. The level at which
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<strong>Cohort Default Rate (CDR)</strong> – As defined within 34 CFR 668.181</strong> – 668.198 (subpart M), the percentage of Stafford Loan borrowers who default before the end of the fiscal year following the fiscal year in which they entered repayment on their loans. The U.S. Department of Education calculates this rate annually for each school participating in the federal student loan programs. The most recent period for which final CDRs have been published is 2004. Schools may also obtain their draft CDR for 2005.

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