Real Speaking Outline

In addition to my experience in advising and student affairs, I have also worked as a professional in financial aid for the past eight years. During my time in financial aid I have seen first-hand the challenges students face with the cost of obtaining a higher education degree. My role in financial aid has evolved over my career while exploring the theoretical

On July 21, 2010, President Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act, which is commonly referred as the Dodd-Frank Act. This act was passed as a response to the Great Recession in order to prevent potential financial debacle in the future. This regulation has a significant impact on American financial services industry by placing major changes on the financial regulation and agencies since the Great Depression. This paper examines the history and impact of Dodd-Frank Act on American financial services industry.

V. Explain to individuals and groups the details of financial assistance available to college and university students, such as loans, grants, and scholarships.

According to Castleman, Benjamin, and Lindsay (400), the requiring obligations of learning like purchasing of learning materials like books and other provisions like food and other necessities has made several States to give support to the overwhelmed students. The forms of the assistance include the merit-based scholarships and the need-grants as well as the student loans (Finnie 297). While the main aim of the financial aids is to meet the financial needs of the students severally, it has been insufficient due to the increasing number of

aid is available for students seeking college education, some of those students will not all qualify

There are various categories of banking; these include retail banking, directly dealing with small businesses and persons. Commercial and Corporate banking which offers services to medium and large businesses (Koch & MacDonald 2010). Private banking, deals with individuals, offering them one on one service. The last category is investment banking. These help clients to raise capital and often invest in financial markets. Most global banking institutions provide all these services combined. With all these institutions in existence within the same localities and offering similar services, there is a need to regulate the industry so as to protect the consumer and provide fair working environment for all banks (Du & Girma, 2011).

Financial aid is a sensational implement for students all around the world. It is done in several different ways and benefits the lives of so many people. Different levels of government work together to fund students by providing programs like FAFSA. The federal government ensures the cooperation of state and local governments by providing funds to help them implement important programs.

INFORMATIVE SPEECH OUTLINE Your Name: Mark McDonald COMS 101 Date Due: 4/27/15 Organization: Topical pattern organization Audience analysis: I will be presenting this speech to an audience of three college age adults that are all Caucasian and attend Liberty. They are two females and one male.

Student loan counseling is required for every borrower. Financial aid is often required for students to be able to attend college. Many parents and students are finding that with rising tuition costs, it is difficult to pay for college upfront.

Informative Speech Outline Topic: Engineering Organs General Purpose: To Inform Specific Purpose: To Inform the Audience About Engineering Organs in a Lab.

The government began playing a larger role in student financial aid in the 1960’s. The Economic Opportunity Act of 1964 created a federal work-study program, which gave federal funds to universities so they could provide disadvantaged undergraduates with part time jobs which would allow the students to earn money and help compensate off education costs, but still receive an education. The Higher Education Act (HEA), which was enacted in 1965, created the foundation for contemporary day federal aid programs. Title IV is the section of the Act that created grants to students who attend an institution of higher learning. (Higher Education Act.)

Three types of financial aid are grants, loans, and work-study jobs. Grants are often called “gift aid” because they are free money—financial aid that doesn’t have to be repaid. Grants are often need-based, while scholarships are usually merit-based.Grants and scholarships can come from the federal government, your state government, your college or career school, or a private or nonprofit organization. Do your research, apply for any grants or scholarships you might be eligible for, and be sure to meet application deadlines! Occasionally you might have to pay back part or all of a grant if, for example, you withdraw from school before finishing an enrollment period such as a semester. Student loans can come from the federal government or from private sources such as a bank or financial institution. Loans made by the federal government, called federal student loans, usually offer borrowers lower interest rates and have more flexible repayment options than loans from banks or other private sources. The Federal Work-Study (FWS) Program is a need-based program that provides jobs for eligible students with financial need who are enrolled at least half time, allowing them to earn money to help pay education expenses. The program encourages community service work and employment related to their course of study. Different types of aid (private scholarships, state grants, etc.) have different rules, called eligibility criteria, to determine who gets the aid. Here are the eligibility

The investment banks, and subsequent stock brokerage firms, was regulated by the Security and Exchange Commission. The banking entities, in this portion of the financial sector, were used to dealing in high risk business that were structured on the business’ equity and debt capital, instead of the commercial banks’ deposits of customers. The activities in this sector of the financial system were underwriting stocks and bonds, insurance markets, the investments in subprime debt markets and mortgages.

policy regarding usury, it became more acceptable to be a financier and attempts were made to

BHCs are the companies which control one or more banks, but don’t necessarily engage in banking activities themselves. All BHCs in the US are required to register with the Board of Governors of the Federal Reserve System. There exists many views as to what exactly forms a financial conglomerate. To a large extent, these viewpoints are dependent upon practices employed in several countries, but sometimes, they are also affected by the rules and regulations prevailing in the Government. This not only influences the possession of banks, but also the activities in which banking companies can get involved. Becoming a bank holding company makes it easier for the firm to raise capital than as a traditional bank. The holding company can assume debt of shareholders on a tax free basis, borrow money, acquire other banks and non-bank entities more easily, and issue stock with greater regulatory ease. It also has a greater legal authority to conduct share repurchases of its own