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UID:3780-1360195200-1360281599@www.consumeradvocates.org
SUMMARY:Basic Car Loan Math
DESCRIPTION:Even if you know the basics of calculating monthly payments on ordinary car loans\, this webinar is designed to start with the basics\, and then look at some of the “tweeks” that dealers use in structuring a deal that can impact true cost of borrowing to a consumer.Learn how to handle irregular payments structures such as bi-weekly/semi-monthly payments\, and how to identify the impact these have on the actual APR of a loan\, such as deferred down payments/pick-up payments\, deferred first payments/balloon payments\, using APRWIN (free software from the Office of the Comptroller of the Currency). Learn the skills needed to identify loans that may appear on their face to comply with TILA and state lending laws\, but that are intentionally misleading in the way that they are disclosed to the consumer borrower\, or otherwise not in compliance with the law. \nThe goal of this webinar is to teach skills to “screen” loans that are likely to have non-compliance issues during the client intake process\, and show you some techniques to analyze these loans without having to go hire a financial expert for advice. The webinar will provide step-by-step instructions for using the APRWIN software to analyze different example loans\, and how to enter these unusual loan structures into the software\, and what to look for to identify non-compliance issues. Don’t worry… NO “HEAVY DUTY” MATH SKILLS are needed to be able to benefit from this webinar! \n\nPresenter\nDana L. Manner is a Lecturer in Finance at the University of Miami\, School of Business Administration since 2002\, and opened his solo practice in Miami during 2009. Focusing his practice on autofraud\, he became a NACA member in 2010. Dana earned his BS from UConn\, and MBA from UM in 1984\, and since that time he has worked in the field of finance and investments for several Fortune 500 companies and Wall Street investment firms. Before changing careers and entering law school in 2004\, Dana was the Director of Finance for a large NYSE company\, and has also served as chairman of the audit committee of a NASDAQ company. Dana graduated from St. Thomas University School of Law\, and while in law school he clerked in the Asset Forfeiture Division of the U.S. Attorney’s Office\, Southern District of Florida.
URL:https://www.consumeradvocates.org/events/online-training-courses/basic-car-loan-math/
CATEGORIES:Online Training Courses
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