FREE E-Books by Jerry Staker
Jerry Staker has dedicated more than 40 years of service to three distinct groups: Consumers, small business, and financial institutions. Finding financial wellness, and the best repayment solutions during times of a serious economic downturn is the subject of these publications
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For Everyone - A Must Read
The Debt Crisis Problem - In Plain English, 20 Risks That Will Soon Fuel a Serious Economic Downturn
National Debt, Consumer Debt, Deficit Spending, Debt Crisis, Inflation/Stagflation, High Interest Rates, US Government Default, Banking System, Geopolitical Tension, Global Supply Chain, Political Polarization, Terrorist Attacks, Housing Insecurity, Energy Security, Natural Disasters, Public Health/Well-Being, Cyber Security, Inequality in Wealth and Income, Labor Market, and Artificial Intelligence (AI) / New Technologies
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For Individuals and Families
The Tunabudget Solution - The Most Powerful Budget Worksheet Plan in the World - YOURS
The problem / The Solution, Paradigm Shift from Creditor to Debtor, Benefits and Process, How and Why Change Takes Place, Change from Within, Discouragement to Excitement, Adversity vs. Doing Your Best, Trust the Process, Getting Rid of Stress and Anger, Your Spouse is More Important, Dealing with Creditors, You're Not a Problem Borrower, Full Transparency and Honesty, You Lie - You're Toast, Creditors Can Change Repayment Terms, Creditors Should Deal in Good Faith, Tunabudget Worksheet Plan Mechanics (HOW), The Debt Crisis Problem Summary
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For Individuals and Families
Tunabudget Candid Conversation Memos - 30 CCMs That Impact Individual and Family Financial Wellness
Personal Debt Crisis, Crushing Burden of Heavy Debt, Student Debt, Bankruptcy, Employment, Residence - Can or Should You Afford It? Money Between Family Members, Adult Children Dependency, Support By Senior Parents, Baby Sitting, Child Care for Grand Children, Elderly Care, Wealth Transfer, Retirement, Divorce, Put Your Wife First, She Should Decide the Major Money Decisions, Get Yourself Out of the Spending Lane, Thankfulness, Change is Beautiful and Good, Coveting - Shut It Down, Forgiveness vs. Sitting on the One-Yard Line, Stuff - Way Too Much, Share it Away, Adversity - Sink or Swim, Good Health Choices - Diet / Exercise / Sleep, Caring for Others, Doing a Little Good, Religious Contributions, Addictions, You Choosing to Use, Smoking and Tobacco Use, Alcohol Use, Marijuana Use, Addictive Drugs Use, Gambling Use, Pornography Use
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For Small Business Owners (Sales <$10 million)
Debtor-Proposed Repayment Solutions - The Coming Paradigm Shift From Creditor to Debtor in Seasons of Default and Restructuring
Guidance for Small Business, Paradigm Shift from Creditor to Debtor, Coming to an Economy Near You, Seasons of Default and Restructuring, Pro Forma Cash Flow Statements, Lenders Are to Prudently Work with Debtor, Credit Risk Rating Classification System, Regulatory Guidance for Commercial Creditors, Regulatory Risk Ratings, Credit Risk Management Roles and Responsibilities, Commercial and Industrial Lending Evaluation, Financial Performance, Root-Cause Considerations, Yellow and Red Flags, Indicators of Potential Repayment Problems, Commercial Real Estate (CRE) Lending Evaluation, CRE Collateral Risks, CRE Lending Risks, Emerging CRE Risks, Credit Risk (Asset Quality) Monitoring Process, AQ Reporting, Divergent Views Between Creditor and Debtor, Stressful Times, Borrowers Can Get Pushed Around Creditors, The Debt Crisis Problem Summary
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For Small Business Owners (Sales <$10 million)
Using 'CREDITOR TOOLS' During a Serious Economic Downturn - An Inside Look for BORROWERS Preparing for Debt Repayment Negotiations
Credit Risk Memos: Gain an Inside Look at Creditor Risk Tools, Obligor: Abundance of Caution, Bankruptcy, Borrowing Cause, Loan Purpose, Borrowing Entity, Credit Approval Memo, Industry and Business Risk Analysis, Managfement (Debtor), Credit Facilities: Interest Accrual and Nonaccrual, Loan Structuring, Pricing for Interest Rates and Fees, Repayment Sources (Primary, Secondary, Tertiary), Creditor Protection: Appraisals, Evaluations, Collateral, Covenants, Environmental Risk, Guarantors, Insurance, Financial Analysis: Cash Flow, Global Cash Flow, Pro Forma Projections, Financial Statements, Tax Returns, Interim and Stale Financial Statements, Requirements, Financial Ratios, Management (Creditor): Annual Term Loan Reviews, Loan Documentation, Foreclosure, Inspections, Field Visits, Loan-to-Value, Other Real Estate Owned, Problem Loan Administration, Refinance Risk, Renewals, Extensions, Modifications, Forbearance, Restructured 'A' and 'B' Notes, Disclosable Loan Modifications, Credit Risk Ratings, 18 Commercial Loan Types, The Debt Crisis Problem Summary
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For Commercial Lenders
Effective Credit Risk Management - Managing Asset Quality and Borrowers During a Serious Economic Downturn
Sharpening Credit Risk Management Tools, Credit Risk Rating Classification System: Accuracy and Timeliness, Well-Supported and Documented Conclusions, Watch List Monitoring, Regulatory Risk Rating Classifications, Credit Risk Evaluation Process: Two (or Single) Tier Risk Rating System, Quantitative Financial Statement Analysis, Qualitative Financial Considerations, Transaction Risk Ratings, Structural Weaknesses, Roles and Responsibilities for Credit Risk Ratings: Primary Relationship Officer, Credit Administrator, Credit Administration, Special Assets Department, Watch List / Criticized Loans - Asset Quality Monitoring: WLR / CLR Preparation and Presentation, WLR Detail and Report Format, CLR Detail and Report Format, Cultural Enhancement for Divergent Views: Stressful Times, Why Divergent Views?, The Credit Risk Ball -So, Roll it Around the Table, Reminders for Senior Management - Employee Appreciation the Real Way, Benefits of an Enhanced Divergent Views Culture, Respect and Dealing in Good Faith with Borrowers Having Financial Difficulties: Why Borrowers Deserve Due Respect, Dealing in Good Faith, Getting Best Answers for Debt Repayment Solutions: Getting Financial Statement Information, The Hard Part - Questions, Yellow/Red Flags, Document the Root Cause(s), Key Reminders / Tips for Credit Metrics, Commercial Real Estate (CRE) Risks: CRE Collateral Risks, Appraisal Considerations, CRE Lending Considerations, Key Take-Aways