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economic paradigm (B4)<br />A major principle central to a school of economics as it provides a fundamental analytical tool of economic theorizing. MARGINAL!SM and NEOCLASSICAL ECONOMICS, for example, have been able to demonstrate the powerful applications of the marginal concept backed up by calculus. In periods when there has been great dissatisfaction with the state of economics, a cry for a new paradigm has often heard: in the 1930s the concepts of KEYNES in his

relative income hypothesis (E2) Duesenberry's theory of the coNSU MPTION FUNcrroN that consumption is a function of current income relative to income in preceding time periods and relative to the income of households which are regarded as models to follow. The theory was used to reconcile a conflict between time series and cross-section evidence.<br /><em>Reference</em><br />Duesenberry, J. (1949) Income, Saving and the Theory of Consumer Behavior, Cambridge, MA: Harvard University Press.
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<strong>Source, The</strong> – MDHE' s Guide to grants, scholarships, loans and more-Outlines all of the state student financial assistance programs. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.

<strong>R</strong> – Code used to request a “release” on a disbursement or to indicate a released status, as defined within CommonLine file specifications.

<strong>Financial Aid Management System (FAMS)</strong> – Software used by the school to administer all aspects and types of financial aid. FAMS products include Datatel' s product Colleague, PeopleSoft, SCT' s product Banner, the College Board' s product PowerFAIDS, and many others.

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escalator clause (M2)<br />A clause in a contract designed to revise payments due under that contract in line with changes in a specified price index. In times of considerable inflation, these clauses are popular in labour and building contracts, as well as in tax schedules and social security benefits tables.<br /><em>See also:</em> cost of living adjustment
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<strong>FAO</strong> – Financial Aid Officer, a staff member at an eligible school who administers financial aid programs.

<strong>Out of school date (OSD)</strong> – The date the student ceases to be enrolled at least half time. An OSD may also be referred to as the last date of attendance (LDA) or, if the student completed the program of study, the actual graduation date.

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Lipsey, Richard George, 1928- (B3) Canadian economist educated at the University of British Columbia, Toronto, and the London School of Economics, where he was later lecturer and professor from 1955 to 1964. He was professor at Es###### University from 1964 to 1970 and subsequently at Queen's University in Kingston, Ontario, from 1970 to 1985.<br /> He is famous to hundreds of thousands of students in the Western world for his textbooks: An Introduction to Positive Economics, first published in 1963, which is, as its name suggests, strongly empirical in tone and hence has been frequently revised; and Economics, which was first published in 1966 in the USA. He first made his mark as an economist with his joint article with Lancaster, 'The general theory of the second best' (Review of Economic Studies June 1956), which made a major contribution to welfare economics. Subsequently, in a series of articles on inflation, he provided the microeconomic explanations for the PHILLIPS cuRVE. His numerous other works include articles on CUSTOMS UNIONS, LOCATION THEORY and monetary theory.<br /><em>Reference</em><br />Lipsey, R.G. (1991) The Collected Essays of Richard G Lipsey, 3 vols, Aldershot: Edward Elgar.

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conditionality (F3)<br />Lending to a debtor on condition that the loan is used for a specific purpose so that there is less risk of default in servicing the loan. It is argued that the INTERNATIONAL MONETARY FUND and WORLD BANK in making this stipulation make 'conditionality' a PUBLIC GOOD.
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government broker (G1)<br />The stockbroker dealing in financial markets on behalf of a government. In London, the senior partner of Mullens & Co. participated in gilts for the Bank of England.

<strong>CBO</strong> – Congressional Budget Office.

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<strong>MSEP</strong> – Midwest Student Exchange Program, which ensures reduced tuition rates to Missouri residents who enroll in designated academic programs at participating schools in Kansas, Michigan, Minnesota, Nebraska, North Dakota, and Wisconsin. For more information, see http://www.mhec.org/.
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<strong>Missouri task force</strong> – Former name for the MDHE' s State Student Financial Aid Committee, comprised of financial aid administrators and established in February of 2005 to make recommendations to improve the Missouri student financial assistance programs.

commodity (DO)<br />1 Something, usually physical, which can be bought and sold and is directly measurable. The concept is used extensively in both MARXIAN ECONOMICS and GENERAL EQUILIBRIUM analysis since HICKS. MARX argued that through the exchange process goods lose their use value, becoming 'citizens of the world' and merely the vehicle for merchants to earn SURPLUS VALUE. SRAFFA regarded a commodity as a good or service produced by a unique combination of factor inputs.<br /> 2 A raw material or primary product.
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David Hume Institute (HO)<br />An economic research institute founded in 1985 and now based in Edinburgh, Scotland, with Sir Alan Peacock as its first executive director. It has examined the economics of regulation, broadcasting, small firms and banking.

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activist (E6)<br />An economic policy adviser who believes in the use of discretionary monetary and fiscal instruments for fine-tuning the economy.

<strong>Termination</strong> – withdrawal of the eligibility of a school, lender, or servicer to participate in a guarantor' s programs.

<strong>Base year</strong> – For need analysis purposes, the calendar year preceeding the award year.
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<strong>NCLB</strong> – No Child Left Behind Act of 2001.

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08-02-2011 04:07 AM

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<strong>Certification</strong> – The act of attesting that something is true or meets a certain standard. 1) Within the FFEL Program, the school certifies each borrower' s student loan, attesting to the fact that required eligibility criteria have been met, such as need. 2) Within the state student assistance programs administered by the MDHE, the school certifies each student' s eligibility and at the same time requests funds.
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trade threat (Fl)<br />A trade restriction designed to change non-trade policies of a government, e.g. concerning human rights or the cleanliness of the environment. A BOYCOTT is the most common form of threat.<br /><em>See also:</em> economic sanctions

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European Monetary Union (F3)<br />The integration of the monetary policies and currencies of member states under a new EUROPEAN CENTRAL BANK using a single currency. This union was envisaged by the WERNER REPORT and designed by the DEWRS PLAN which set out three stages towards integration. The first stage started in 1990 with the abolition of restrictions on capital movements in the EEC; the second stage amended the Treaty of Rome under the Maastricht Treaty 1992 to create the European Monetary Institute 1994 to provide for central bank co-operation and monetary policy co-ordination (the Institute was dissolved after the creation of the European Central Bank 1998) and there was an irrevocable fixing of exchange rates of the participating currencies by 1 January 1999; the third stage from 1999 led to the abolition of national currencies of 12 countries with the euro in circulation from 1 January 2002.

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08-02-2011 04:33 AM

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<strong>Notice of Loan Approval (NOLA)</strong> – A paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.

<strong>SAY</strong> – Scheduled Academic Year. The fixed period, as published in a school' s printed materials, that generally begins and ends at the same time each year. The SAY is the period to which the statutory definition of an academic year must be applied and must meet the statutory requirements of an academic year as defined by the U.S. Department of Education.

central bank independence (E5)<br />The conduct of MONETARY POLICY by a CENTRAL BANK, independent of governmental control through its Treasury. This has long been true of the USA with its FEDERAL RESERVE SYSTEM, and of the UK since 1997.<br /><em>See also:</em> Monetary Policy Committee

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08-02-2011 04:58 AM

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<strong>WIA</strong> – Workforce Investment Act, a student financial aid program administered by the Missouri Department of Economic Development, formerly known as the Job Training and Partnership Act (JTPA).
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<strong>FISAP</strong> – Fiscal Operations Report and Application to Participate in the federal campus-based aid programs. Information about the FISAP, instructions, and the actual form may be found at: http://www.cbfisap.ed.gov/CBSWebApp/welcome.jsp.
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abortive benefits (H2)<br />Social benefits which fail to achieve their purpose. There is no net increase in a recipient's income as the benefits are outweighed by income taxation. Proposals for a NEGATIVE rNCOME TAX, which would merge benefits and taxation into a single system, attempt to ensure that benefits raise net mcome.

<strong>MASFAP</strong> – Missouri Association of Student Financial Aid Personnel. May be found on the world wide web at www.masfap.org.

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<strong>Endorser</strong> – A signer of a promissory note who is secondarily liable for a loan obligation. A lender may require a PLUS applicant with adverse credit history to obtain a creditworthy endorser in order to receive the loan.
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08-02-2011 05:31 AM

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22120466 2009 年 06 月 26 日 14:43 Reading (loading. ..) Comments (3) Category: Personal Diary
Jun 24,la gear originals, 2009


up until noon, flushing Capitol, Golden Shopping Centre Mala Tang
see eating dumplings sold, and excited a packed supper
who go back to when know back to a place to live unwrap a look at what is xiao long bao
this, obviously a small bun. That thick skin is not thick, thin not thin
did not expect an authentic Chinese food around the underground mall dare blatantly lie to me ..
a Chinese snack next count, in addition to Mala Tang, also have pulled noodles, meat clip film,la gear footwear, Liang Pi, cooking, etc. If you live in flushing addition
cheap rent, the food problem is completely solved the

spots Aventure had a mind to flushing of chinatown is 7 line to sit in the end,
sleepy in the car I suddenly heard someone say last stop,la gear on sale, quickly get off the station and saw the results
did not know, next to the policeman had to help two police
Standing next to the chat, one black and one Chinese
I asked in broken English but I'm going to chinatown to the inexplicable living that long this
so clean and cool the sun wearing the revolver of the mighty Chinese in the police uniform waist eager to take me out back
also brush stop me his card,la gear, I actually bought a 7-day unlimited subway tickets, and more brush does not matter
ask me about do not speak Chinese,la gears sneakers, ah,la gear sale, Early said that, ah ..
btw, to speak Chinese in New York and found many places, forgot how to speak English quickly the
asked me where to live, I was already badly
said something tachycardia I just wanted to play the pinch themselves
.. finished the first day, summed up that ######## dumplings 麻辣烫 + + policeman

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government bond (E5, G1)<br />A long-term stock market security issued by a central, state or local government which is either irredeemable or to be repaid after a stated number of years.<br /><em>See also:</em> gilts

<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.)

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boom of the 1830s and 1840s, the third, based on steel, machine tools and motor vehicles, which came to an end in the 1970s and the fourth, which is now taking place, based on electronics and biology. A disruptive feature of the fourth is the use of robots to replace workers in manufacturing, creating unpredictable and undesired employment effects.<br /><em>See also:</em> Kondratieff cycle; take-off <br /><em>Reference</em><br />Deane, P. (1979) The First Industrial Revolution, 2nd edn, Cambridge: Cambridge University Press.<br /> Rostow, WW (1971) The Stages of Economic Growth: A non-communist manifesto, Cambridge: Cambridge University Press.

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logistic cycle (E3, NO)<br />A cycle in economic activity of 150-300 years' duration which, when plotted as a graph of industrial production against time, approximates to the statistical logistic curve of an expansion phase followed by a stagnation phase. The first cycle was from 1100 to 1450, the second from 1450 to 1750 and the third has not been completed.<br /><em>See also:</em> Kondratieff cycle; long wave <br /><em>Reference</em><br />Cameron, R. (1973) 'The logistics of European economic growth: a note on historical periodization', Journal of European Economic History 2: 145-58.

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<strong>CAM</strong> – Common Account Maintenance, the FFEL Program industry' s electronic data standard used by lenders, servicers, and guarantors. Created by the National Council of Higher Education Loan Programs (NCHELP), CAM specifies the type of content, record format, and file structure for sharing data on borrowers and their loans.

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Lindahl equilibrium (H4)<br />A set of 'Lindahl prices' such that at those prices everyone demands the same level of each PUBLIC GOOD. These prices are individuals' shares of the tax burden. This equilibrium is the equivalent of a competitive equilibrium for an economy with public goods. When in equilibrium, the tax rate for an individual will equal his or her marginal utility from that public good. All markets for private goods are perfectly competitive and the government provides public goods. PARETO OPTIMALITY is achieved by an appropriate redistribution of income.<br /><em>Reference</em><br />Milleron, J.C. (1972) 'Theory of value with public goods: a survey article', Journal of Economic Theory 5: 419-77.

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<strong>Independent student</strong> – A student who meets one or more of the federal criteria to be classified as independent for aid awarding purposes. Criteria under section 480(d) of the HEA include: • Age 24 by December 31 of the academic year • Graduate or professional student • Married student • Student with legal dependents • Veteran • Orphan or ward of the court

<strong>Recognized equivalent of a high school diploma</strong> – A recognized equivalent of a high school diploma may be a GED certificate, the academic transcript of a student who has successfully completed a 2-year program of study acceptable toward a bachelor' s degree, or has obtained other state certifications/requirements.

<strong>Loan maintenance</strong> – Term used to describe change transactions, such as disbursement cancels, disbursement date changes, etc.
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<strong>Anticipated Graduation Date (AGD)</strong> – The date a student expects to graduate. May also be referred to as the Expected Graduation Date (EGD) or the Anticipated Completion Date (ACD).
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<strong>MSLG</strong> – Missouri Student Loan Group, the division of the MDHE which administers the FFEL Program.
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<strong>OAKFAP</strong> – The Ozark area group of financial aid professionals, normally meeting in Springfield.

M3 (E4)<br />In the USA this is defined as M2 plus large denomination time deposits and term repurchase liabilities plus term Eurodollars held by US residents at foreign branches of US banks and the banks of the UK and Canada plus institution-only MONEY MARKET MUTUAL FUNDS.
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Abramovitz, Moses, 1912- (B3)<br />Educated at Harvard and Columbia Universities. He was on the staff of the National Bureau of Economic Research from 1938 to 1942 and Director of Business Cycles Study from 1946 to 1948; principal economist of the War Production Board in 1942 before serving in the US Army; and professor at Columbia University, 1940-2 and 1946-8, and of Stanford University, 1948-77. After early work on price theory, he turned to a study of inventories and business cycles. Later he examined determinants of long swings in growth, considering changes in the supply of factors of production and the influence of an initial level of productivity on subsequent economic progress. <br /><em>Reference</em><br />Abramovitz, M. (1950) Inventories and Business Cycles, New York: National Bureau of Economic Research.<br /> Abramovitz, M. (ed.) (1958) Capital Formation and Economic Growth, Princeton, NJ: Princeton University Press.
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goldilocks economy (NO, PO)<br />The US economy in the late 1990s when it enjoyed high growth without inflationary pressures. It was noted for its low rate of household saving and rising trade deficit.<br /><em>See also:</em> soft landing

RPI- Y (E3)<br />UK retail price index excluding the effects of indirect taxes on final consumption, mortgage interest payments and local authority taxation.

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08-02-2011 05:10 PM

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<strong>Private loan</strong> – A non federal student loan, also referred to as “alternative loan.” Private loans are offered to students and/or parents by many, many lenders, secondary markets, and other private entities.
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<strong>HEA</strong> – the Higher Education Act of 1965, as amended, which created the federal student aid programs.

credit (G2)<br />1 A loan, or an agreement to lend money, to be repaid at a later date.<br /> 2 Bank lending (in macroeconomics) as credit is chiefly analysed within the context of the money supply.<br /> 3 All the sources of finance available to firms (including TRADE CREDIT) and to households. & In the past two decades there has been a great increase in the amount of credit given to households on the basis either of collateral (a house in the case of a building society mortgage) or of CREDIT sCORING for hire purchase expenditure on coNSUMER DURABLES. The creation of new credit instruments, e.g. the credit card, has resulted in an expansion in the total volume of credit.<br /> <br /><em>Reference</em><br />house repairs in their capital programme).<br /> <br /><em>Reference</em><br />Griffiths, L (1986) Creative Accounting: Beckman, TN.<br /> Credits and and Theory, McGraw-HilL and Foster, R.S. (1969)<br />Collections: Management 8th edn, New York: How to Make Your Profits What You Want Them to Be, London: Sedgeworth&Jackson.

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net present value (M2)<br />The discounted value of future mcome from a particular investment less the discounted value of expected costs. A positive net present value indicates that an investment project is worthwhile.<br /><em>See also:</em> marginal efficiency of capital

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lender of last resort (E5)<br />The chief function of a CENTRAL BANK - to guarantee the LIQUIDITY of a banking system by always being the ultimate source of credit. Thus in the UK, the BANK oF ENGLAND is always prepared to lend to the money market by discounting the bills held by the discount houses; in the USA, the twelve FEDERAL RESERVE BANKS Will discount the bills of member banks.
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<strong>Subsidized loan</strong> – A loan eligible for federal interest benefits. The federal government pays the interest that accrues on subsidized Federal Stafford Loans during the student' s in-school, grace, and authorized deferment periods.

renewable resource (Q2)<br />A NATURAL RESOURCE that, because of its biological nature, is self-renewing, e.g. game, fish, woodland. A greater yield can be obtained from it by growing it in an artificial environment as, for example, in a fish farm.<br /><em>See also:</em> non-renewable resource
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breakeven analysis (C1, D4)<br />A graphical representation of the relationship between total costs and total revenue with breakeven taking place where total cost is equal to total revenue (i.e. average cost is equal to average revenue).
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locked-in knowledge (03)<br />Technical knowledge specific to a particular production process and not transferable to other processes; also known as 'tacit' knowledge.<br /><em>See also:</em> footloose knowledge
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quadriad (H1)<br />The Treasury, the COUNCIL OF ECONOMIC ADVISERS, the OFFICE OF MANAGEMENT AND BUDGET and the FEDERAL RESERVE: the key formulators of the USA's economic policy.
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<strong>Comaker</strong> – One of two married individuals who jointly consolidated their federal students loans before July 1, 2006. This term also applies to two parents who were joint borrowers of a PLUS Loan made prior to April 16, 1999.
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The issue of these extra shares will bring about a fall in the existing share price.<br /><em>See also:</em> bonus issue; scrip issue

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08-02-2011 07:28 PM

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08-02-2011 07:30 PM

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08-02-2011 07:34 PM

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08-02-2011 07:37 PM

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08-02-2011 07:40 PM

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<strong>CDR</strong> – Cohort Default Rate. 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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<strong>Code of Federal Regulations (CFR)</strong> – The regulations from the U.S. Department of Education relating to the federal student aid programs are codified in Volume 34. Part 668 governs the student assistance general provisions. Part 682 regulates the FFEL Program.
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lending rate (E4)<br />The RATE OF INTEREST on bank loans. It varies according to the type of customer. In the UK, major quoted companies are charged base rate plus 1 per cent, small companies base rate plus 2 per cent and personal borrowers base rate plus 5 per cent.
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<strong>DAAR</strong> – Default Aversion Assistance Request, the request sent by the lender to the MDHE to request DAA when a borrower is more than 60 days delinquent.

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08-02-2011 07:41 PM

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08-02-2011 07:47 PM

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