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Organization for Economic Co- operation and Development (FO)<br />The group of rich industrialized countries founded in 1961 and consisting of the eighteen European countries of the ORGAN!ZATION FOR EUROPEAN ECONOMIC CO-OPERATION, the USA and Canada. Later to join were Japan (1964), Finland (1969), Australia (1971) and New Zealand (1973), with the result that it now produces about two-thirds of the world's output with only one-sixth of its population. This Paris-based organization provides a forum for the discussion of policies for promoting ECONOMIC GROWTH, FREE TRADE and FOREIGN AID to Jess developed countries and has an independent secretariat which produces tables of standardized economic data of member countries and economic forecasts (more accurate than many national forecasts because of the joint forecasting of linked economies). Its influential economic policy committee meets two or three times a year and is chaired by the chairman of the US President's Council of Economic Advisers.<br /><em>See also:</em> INTERLINK

<strong>NCLB</strong> – No Child Left Behind Act of 2001.
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<strong>E-distribution list</strong> – The Missouri Department of Higher Education' s electronic news service. To sign up for this service, visit http://www.dhe.mo.gov/mdhedigest/signup.shtml.

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08-07-2011 06:02 AM

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pecuniary returns (D3)<br />Rewards to a FACTOR OF PRODUCTION in the form of money.<br /><em>See also:</em> non-pecuniary returns
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net investment (E2)<br />An addition to the stock of capital m a given time period. Net investment plus REPLACEMENT INVESTMENT constitute gross investment.<br /><em>See also:</em> accelerator principle
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<strong>NOG</strong> – Notice of Loan Guarantee and Disclosure Statement, which is sent to lenders upon the guarantee of a loan by the MDHE. The lender then sends a copy of the NOG to the borrower.
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08-07-2011 06:30 AM

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<strong>PLUS Loan for Graduate and Professional Students</strong> – Effective July 1, 2006, PLUS loans may be offered to graduate and professional students. According to CommonLine file specifications, the loan type to be used for Grad PLUS Loans is GB.
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dividend yield (G1)<br />The yearly return on each ?100 or $100 invested:

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08-07-2011 06:58 AM

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Asian option (G1)<br />A DERIVATIVE settled in cash whose pay-off is related to the average price of the underlying asset in a certain time period. Also known as an average option.

Morgan Stanley Capital International World Index (G1)<br />An index of stock market prices gathered from the world's leading stock exchanges covering about 60 per cent of their market capitalization.

continuity thesis (B1)<br />The view that there is a continuum between the allocation theory of classical and neoclassical economists with the consequence that there was no marginal revolution in the 1870s. Thus it is asserted that MARSHALL was not overturning CLASS!CAL ECONOMics but using the sharper tools of mathematics to clarify Ricardian economics as stated by John Stuart MILL.<br /><em>See also:</em> marginalists <br /><em>Reference</em><br />Shove, G.F. (1942) 'The place of Marshall's Principles in the development of economic theory', Economic Journal 52: 294-329.

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08-07-2011 07:25 AM

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risk-adjusted discount rate (GO)<br />A risk-free discount rate augmented to take into account the risk factor.<br /> risk asset system (G2)<br />A method of assessing the amount of RISK a bank is taking which weights bank assets according to the length of time banks could lose profits on them. The FEDERAL RESERVE SYSTEM recommends the adaptation of this system now in use in the EUROPEAN coMMUNITY countries and suggests weights of 0 per cent for cash (and its equivalents), 30 per cent for money market assets, 60 per cent for moderate risk assets (e.g. local authority bonds) and 100 per cent for standard bank loans. Weighting the riski- ness of bank assets makes it possible to ascertain the level of capitalization suitable for a particular bank. US and European adoption of this system is a step towards the international harmonization of banking standards.
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Mun, Thomas, 1571-1641 (B3)<br />Director of the East India Company and leading MERCANTILIST whose formulation of economic theory in England's Treasure by Forraign Trade (first published posthumously in 1664) represented the finest flowering of late mercantilist ideas. To justify the export of silver bullion by the company, he extended the current idea of the balance of payments as being a particular balance between two countries to the concept of a general balance between one country and the rest of the world, permitting some individual balances to be in deficit. Adam SMITH's view of mercantilism was heavily influenced by Mun.<br /> <br /><em>Reference</em><br />Appleby, J.0. (1978) Economic Thought and Ideology in Seventeenth Century England, Princeton, NJ: Princeton University Press.
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personal sector liquid assets (GO) Savings deposits of persons with banks, building societies and state savings institutions. These deposits can be converted into cash at short notice.
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<strong>Payment period</strong> – The basis on which a school must schedule and deliver disbursements for a particular loan period. A payment period is determined by the structure of the school' s academic program.
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08-07-2011 07:53 AM

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Ricardo, David, 1772-1823 (B3)<br />A leading English CLASSICAL ECONOMIST who came to economic study after a rigorous Tahnudic education at the Portuguese Synagogue of Amsterdam, a lucrative career as a London stock jobber and a chance reading of SMITH's Wealth of Nations at Bath in 1799. The great inflation of the Napoleonic Wars period brought him to write a pamphlet on monetary economics, The High Price of Bullion, in 1811. The coRN LAWS controversy inspired An Essay on the Influence of a Low Price of Corn on the Profits of Stock, his first attempt to create a model of the economy using the DIFFERENTIAL THEORY OF RENT, the law of DIMINISHING RETURNS and the inverse relationship between wages and profits. James MILL encouraged him to expand it into the larger, and very influential, Principles of Political Economy and Taxation, first published in 1817. What originally had been a theory to show that restricting corn imports would lead to an extension of cultivation to marginal land and a fall in the rate of profit became an integrated theory of value, distribution, international trade and taxation. The most controversial aspect of it was, perhaps, his theory of value. This was narrower than SMITH's in that it emphasized labour quantities as an explanation of relative values at all stages of society and was more concerned with the quest for an invariable standard of value, seen by contemporaries as important at a time when INDEX NUMBERS were not available to show the extent of inflation. Although many of his key theories were not original (e.g. DIFFERENTIAL THEORY OF RENT, the Jaw of COMPARATNE ADVANTAGE) his central model dominated the thinking of his day and was to be an important starting point for John Stuart MILL, MARX and MARSHALL. As a Member of Parliament from 1819 for Portarlington, a rotten borough, he was to be an influential debater on central issues, especially on monetary questions, later being a major inspiration for the Currency SchooL His home at Gatcombe Park, Gloucestershire (later the home of HRH The Princess Royal), was used as the venue of the Political Economy Club, the only forum for the leading economists of the time to discuss economics. He died, much admired, leaving the immense fortune of ?775,000, including agricultural estates, despite having created an economic theory so despised by the landed interest.<br /> See also: neo-Ricardians; Sraffa <br /><em>Reference</em><br />Blaug, M. (1958) Ricardian Economics: A Historical Study, New Haven, CT: Yale University Press.<br /> Hollander, S. (1979) The Economics of David Ricardo, Toronto: University of Toronto; London: Heinemann Educational Books.<br /> Morishima, M. (1989) Ricardo's Economics, Cambridge: Cambridge University Press.<br /> Sraffa, P and Dobb, M.H. (eds) (1951-73)<br />The Works and Correspondence of David Ricardo, Cambridge: Cambridge University Press.
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an economic activity does not have any spin-offs in terms of services and processing and so there is an absence of the dynamic effects of intersectoral growth.<br /> 2 A sub-economy of an advanced economy, e.g. in the USA, ethnic groups have formed distinct sub-economies with, for example, Cubans or Mexicans comprising both the owners and workers.
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<strong>Claim</strong> – The process by which the lender or holder requests reimbursement from the guarantor for a FFEL Program loan due to the borrower' s default, loss of eligibility, or qualification for forgiveness or discharge.
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public sector borrowing requirement (H6)<br />The excess of expenditure over receipts of central and local government. In more detail, it can be regarded as finance provided to the public sector by borrowing to provide for current and capital expenditure and for lending to the private sector and overseas. The public sector borrowing requirement (PSBR) is reduced by either cuts in public expenditure plans or more stringent controls of existing spending programmes. The concept only became important to UK economic policy making in the 1970s, a period when the PSBR relatively increased: in 1975 it was 19 per cent of total government expenditure and 10 per cent of gross domestic product. Despite the central importance given to the PSBR by many Treasury ministers, it is difficult to achieve a target for it as there can be many changes in the components constituting both revenue and expenditure. UK government saving in the 1980s caused the concept to be replaced by PUBLIC SECfOR DEBT REPAYMENT.<br /> <br /><em>Reference</em><br />Peacock, A.T. and Shaw, G.K. (1981) The Public Sector Borrowing Requirement, Buckingham: University College at Buckingham.

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08-07-2011 08:20 AM

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<strong>Setting spending authority</strong> – The act of changing Bright Flight, Gallagher, and College Guarantee awards from estimated to actual in FAMOUS. Once spending authority is set, students' eligibility statuses are frozen and schools can begin requesting disbursements and award amounts.

affinity card (G2)<br />A CREDIT CARD linked with a charity that receives donations in proportion to the amount spent by the user of that card.

Corn Laws (N4, N5)<br />The series of English laws dating from the reign of Edward IV which protected English agriculture by imposing tariffs on the import of corn to maintain its price; also export bounties (subsidies) were granted to farmers. CLASSICAL ECONOMISTS such as SMITH objected to this interference with

Feldstein, Martin, 1939- (B3)<br />US economist who is an authority on public finance and welfare policies. He was educated at Harvard and Oxford Universities, returning to the former to be professor of economics from 1967. His quantitative work on fiscal programmes has shown their effect on employment and investment and interaction with macroeconomic policy. He became president of the influential NATIONAL BUREAU FOR ECONOMIC RESEARCH in 1977.
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labour's share of national income (EO, J2)<br />The ratio of total wages and salaries of an economy to NATIONAL INCOME. In the twentieth century, there were increases in some Western countries in labour's share, possibly because of growth in the HUMAN CAPITAL stock, and PRICES AND INCOME POLICIES responsible for a squeeze in profits. See also: functional income distribution <br /><em>Reference</em><br />Phelps Brown, E.H. and Browne, M.H. (1968) A Century of Pay: The Course of Pay and Production in France, Germany, Sweden, the United Kingdom and the United States of America 1860-1960, ch. 4, London: Macmillan; New York: St Martin's Press.

<strong>FERPA</strong> – Family Educational Rights and Privacy Act of 1974.

special deposit (E5)<br />An additional cash deposit by coMMERCIAL BANKS required on occasions by the BANK oF ENGLAND. The purpose of these deposits has been to reduce the total volume of bank deposits and hence the MONEY suPPLY by a shrinkage of the LIQUID ASSETS of
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bulldog bond (G1)<br />A bond denominated in sterling by a company whose accounts are in another currency.
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<strong>Economic hardship</strong> – A period during which the borrower is working full time but is earning an amount that does not exceed the greater of the minimum wage or the poverty line for a family of two. Economic hardship also exists if a borrower' s monthly payments on federal student loans are equal to or greater than 20 percent of his/her monthly income.
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ratio analysis (M4)<br />Percentages calculated in financial analysis to discover solvency, ovERTRADING and PROFITABILITY. Financial ratios, using balance sheet data, include quick, current, stock and capital (or earnings) ratios; operating ratios include TURNOVER (or sales) ratios and cost ratios. The most important measure of overall profitability is the ratio of profit before tax to operating assets.
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absenteeism (J2)<br />A form of industrial unrest often used instead of a sTRIKE. Workers dissatisfied with their conditions take days off work without pay. Some industries have been noted for this practice, e.g. the UK coalmining industry. It is a form of expressing a grievance available to non-unionized National income workers.<br /><em>See also:</em> exit-voice

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08-07-2011 10:05 AM

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mercantilism (B1)<br />A system of ideas and government policies advanced by a series of writers of economic pamphlets, many of them merchants (hence the term), who in the period 1550-1750 advanced theories of international trade, money, prices and employment. The major writers of this school include HALES, MALYNES, NORTH, MUN and CHILD. The earlier writers emphasized the importance of keeping the balance of payments in surplus so that bullion could be accumulated. Money was not seen, initially, as being a factor of production, except to finance wars. TARIFFS, EXCHANGE CONTROLS and monopoly trading companies were advocated to achieve these ends.

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<strong>Delinquency</strong> – A period that begins on the day after the due date of a loan payment when the borrower fails to make the equivalent of at least one full payment.

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08-07-2011 10:29 AM

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<strong>Midwest Student Exchange Program (MSEP)</strong> – This program 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. (Residents of those states may enroll in designated academic programs at participating Missouri schools.) More information is available at: http://www.mhec.org/.
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regressive tax (H2)<br />A tax falling disproportionately on lower income groups. If there is regression as INCOME decreases, the AVERAGE RATE OF TAX increases. Many INDIRECT TAXES, e.g. EXCISE DUTIES and sales taxes, are regarded as regressive, but the extent to which they are depends on the consumption patterns of different income groups. POLL TAXES are the simplest case of regression.

current operating profit (M2)<br />The current value of output sold over a period, less the current cost of related inputs.
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asset card (G1)<br />A DEBIT CARD.

<strong>EDE</strong> – Electronic Data Exchange, a federal system for institutions to electronically transmit, receive, and correct application data, package student awards, and transmit Federal Pell Grant and direct loan information.

<strong>Less than half time (LTH)</strong> – An enrollment status indicating the student is carrying less than a half-time academic workload, as determined by the school. Students who are less than half time are not eligible to borrow FFEL Program loans.
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<strong>CL unique ID</strong> – Abbreviation for “CommonLine unique identifier,” 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).

<strong>MASFAA</strong> – Midwest Association of Student Financial Aid Administrators. MASFAA includes the following states: Missouri, Illinois, Indiana, Iowa, Michigan, Minnesota, Ohio, West Virginia, and Wisconsin.
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Keidanven (J5)<br />Federation of Economic Organizations (Japan).

<strong>Consolidation</strong> – The combining of existing federal student loans into one new loan with an interest rate equal to the weighted average of the loans being consolidated. Consolidation can result in lower monthly payments but higher total debt.

dynamic economics (E1)<br />The study of the movement of an economy from a particular state at a particular date to another state later usually using lagged variables. Although classical economists such as Adam SMITH and John Stuart MILL were concerned to study the nature of economic progress, it was particularly ROBERTSON, HARROD, HICKS and the STOCKHOLM scHOOL in the 1930s who began the crea- tion of formal dynamic models of ECONOMIC GROWTH and change. The inclusion of time in the study distinguishes this approach from static models of economic systems. In dynamic models, at least one variable is measured at a different time from the others; subscripts are attached to each variable to indicate the date(s) to which they refer.<br /><em>See also:</em> comparative statics; static model <br /><em>Reference</em><br />Simonovits, A. (2000) Mathematical methods in dynamic economics, New York: St Martin's Press; London: Macmillan.

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08-07-2011 12:37 PM

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08-07-2011 12:39 PM

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08-07-2011 12:40 PM

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08-07-2011 12:40 PM

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08-07-2011 12:41 PM

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08-07-2011 12:42 PM

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08-07-2011 12:43 PM

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contingent fee (D4)<br />A fee paid only on the successful outcome of an activity, e.g. a fee for a lawyer's services which is a percentage of the damages awarded to a plaintiff. In the USA this fee system is alleged to encourage vexatious litigation.
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08-07-2011 12:43 PM

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08-07-2011 12:45 PM

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08-07-2011 12:46 PM

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