...Predatory Lending: The Sub-Prime Mortgage and Payday Industry Andrew Huppman Bloomsburg University Author Note This paper was prepared for Markets and Institutions, Finance 323, taught by Professor Geyfman Abstract Predatory lenders are growing at an alarming rate; in this paper I will provide an examination of predatory lending patterns and the effects on the markets and consumers. Predatory lending is defined as the practice in which a loan is made to a borrower in the hope or expectation that the borrower will default. (Predatory, N.D.) The market for short-term loans have only been around for the past twenty years, however, has expanded at such a rate that there are now more short-term lenders in America than there are Starbucks and McDonald’s. (Center, 2011) Borrowers of this financial service lack necessary information to choose financial products, do not see themselves as having any other financial options, and are enticed by the ease of approval. Predatory lenders are not concerned with the risk. A subprime loan can be approved with as little as proof of a pay stub and requires no credit checks. Most loans are short term which tricks consumers into believing their costs will be minimal. In reality, these short-term rates force borrowers to pay annual percentage rates (APR) exponentially larger than anticipated. In today’s market there is a wide variety of predatory lending practices. The main culprits are predatory mortgage lending practices and payday loans...
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...insider guide ACE YOUR CASE® III: MARKET-SIZING QUESTIONS 2nd edition ★ 15 PRACTICE CASE QUESTIONS ★ MARKET-SIZING CASE RULES ★ WETFEET’S EXPERT COMMENTARY >> The WetFeet Methodology You hold in your hands a copy of the highest-quality research available for job seekers. We’ve designed the WetFeet Insider Guides to help cut down on the time you spend doing job research by doing some of the work for you. Hopefully we can make your job search as painless as possible. Each WetFeet Insider Guide is the product of hundreds of hours of in-depth research, critical analysis, and precise writing. We survey massive amounts of publicly available information and conduct dozens of in-depth interviews of rank-and-file employees who work for the companies and industries we cover. (We keep our company contacts anonymous to encourage candor.) WetFeet writers—experts at reading between the lines—speak with company recruiting staff members to make sure you get accurate information about the recruiting process, compensation, and hiring targets. We also consult countless experts, from career coaches and networking gurus to authorities on professional etiquette and personal branding, in order to provide you insight on the latest trends affecting job seekers. Each Insider Guide undergoes extensive editorial review and fact-checking to ensure that the information and writing live up to our exacting standards. And because WetFeet retains all editorial control of our Insider...
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...Economic Indicators » * njuries, Illnesses, and Fatalities FONT SIZE: PRINT: IIF Injuries, Illnesses, and Fatalities * IIF Homepage * IIF Overview * IIF FAQ * Contact IIF SHARE ON: Important Web Site Notices U.S. Bureau of Labor Statistics | OCWC/OSH, PSB Suite 3180, 2 Massachusetts Avenue, NE Washington, DC 20212-0001 www.bls.gov/IIF/ | Telephone: 1-202-691-6170 | Contact IIF http://www.bls.gov/iif/oshwc/cfoi/osar0016.htm Workplace Homicides Up 50 Percent In The Last Year Dan Fastenberg Jan 28th 2013 9:43AM Updated Jan 28th 2013 11:00AM The massacre at the Sandy Hook elementary school reinvigorated the dormant debate over gun control and how best to stop the gun violence in schools. Now, new research suggests that violence in the workplace also has jumped dramatically, with workplace killings up 50 percent in the past year alone. That would make 2012 the "worst year in about 20 years" for workplace homicides, according to Dr. Larry Barton, president of the Bryn Mawr, Pa.-based American College, an expert in crisis management and violence in corporate America. In a previous interview with AOL Jobs, Barton said that his statistics are based on data he collects from his clients, which includes a roster of 40 Fortune 500 companies. "Up until 2011, we had an average of two people killed at work every workday, so you could average it out to about 10 a week," Barton told the Houston-based Cypress Creek Mirror. The 50 percent increase...
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...Compared to other people in general, how would you rate your leadership ability? Please briefly explain in the space provided why you chose that answer. Top 10%. I believe there are two things a leader should have: concern and responsibility. Regularly, I talk to my fellows to know what they think about their work, and helped them find their positions. While work I will never give up and always try my best. Please describe your career objective and what you have done to date to achieve it. I choose financial advisor as my career way. Because I like to research and help people solving their problems. This decision just made up in last semester. I haven't prepared much for it but everything I have done I treated it seriously. As my major is International Economics and Trade, I choose some lessons that related to investment to learn. Meanwhile I read some books about investment principle and business comments on newspapers. I choose auditing as my career way. Because auditing will provide me an opportunity to know many different companies and industries. I am an active and easy-going girl. I would like to cooperate with people from various backgrounds. This decision is made up in last year. As my major is Business Management, I choose some lessons such as accounting, auditing and finance to learn. Meanwhile I learned three CPA courses by my self and attended the examination in Sep, 2006. The CPA certification is one of my target in the coming year. Please include any...
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...Luffy left his village on a small boat. He then waited out upon the open sea for the Lord of the Coast. With a rubber fist, he punched the Sea King in the face. With plans to create his own Jolly Roger and to get at least ten crew members, he then decided to begin his journey as a pirate and sailed on. Luffy declared that he will become the Pirate King.[21] While sailing across the ocean, Luffy accidentally came across a whirlpool.[22] To escape from it, Luffy hid inside a barrel as the whirlpool sucked his boat in. He and his barrel were recovered some time later by some pirates who were in the service of Alvida. Luffy then came out from his barrel much to their surprise and met up with Coby. After defeating Alvida, Luffy was able to free Coby from his servitude and acquire a small boat. As he and Coby were sailing to the next island so that Coby could enlist in the Marines, Luffy decided to seek a bounty hunter who was imprisoned there. Luffy decided to ask the infamous pirate hunter, Roronoa Zoro, to become the first of his crew.[23] Luffy Asks Zoro to Join Crew Luffy asking the bounty hunter Zoro to become the first of his crew. Upon arriving in Shells Town, Luffy and Coby learn the truth about Zoro through Rika.[24] With this in mind, Luffy decided to free Zoro from Captain Morgan and Helmeppo.[25] With the promise of giving Zoro's swords back if he would join Luffy's crew,[26] Luffy went into the Marine Base and caught Morgan's wrath.[27] After witnessing Zoro's...
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...Analyzing and Interpreting Literature 2012 Examination Guide These materials are owned and copyrighted by the College Board. They may not be posted on the Internet or on any other public document sharing site. The materials in these files are intended for PERSONAL USE ONLY. Violations of this policy may be subject to legal action including, but not limited to, payment for each guide that is disseminated unlawfully and associated damages. V isit our website at w ww.collegeboard.org/clep f or the most up-to-date information. © 2011 The College Board. College Board, CLEP, College-Level Examination Program, SAT and the acorn logo are registered trademarks of the College Board. inspiring minds is a trademark owned by the College Board. All other products and services may be trademarks of their respective owners. Visit the College Board on the Web: www.collegeboard.org. Introduction This is the only official guide to the 33 College-Level Examination Program® (CLEP®) exams. CLEP exams are administered on computer test centers across the country. This Guide has been written mainly for adults who are making plans to enroll in college, but it contains information of interest to others as well. College-bound high school students, current college students, military personnel, professionals seeking certification and persons of all ages who have learned or wish to learn college-level material outside the college classroom will find the Guide helpful as they strive...
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...publication was produced for review by the United States Agency for International Development. It was prepared by Chemonics International Inc. The author‘s views expressed in this publication do not necessarily reflect the views of the United States Agency for International Development or the United States Government. ACRONYMS AND ABBREVIATIONS ACE AGRA AISP ADMARC CISANET CPL CHDI COMESA COMPETE EAC FEWSNET FNSJTF GAC GMAC GOM GTPA ICRISAT MACE MBS MoAFS MoIT MRA NASFAM NEPAD NFRA NPQS NSO SMIP SPS SABI SADC SFRFFM USAID VCA WFP WRS Agriculture Commodity Exchange for Africa Alliance for a Green Revolution in Africa Agriculture Input Subsidy Program Agriculture Development and Marketing Board Civil Society for Agriculture Network Chibuku Products Ltd. Clinton Hunger Development Initiative Common Market for Eastern and Southern Africa Competitiveness and Trade Expansion Programme East African Community Famine Early Warning System Network Food Nutrition and Security Joint Task Force Group Action Committee Grain Marketing Advisory Council Government of Malawi Grain Traders and Processors Association International Crops Research Institute for the Semi-Arid Tropics Malawi Agricultural Commodity Exchange Malawi Bureau of Standards Ministry of Agriculture and Food Security Ministry of Industry and Trade Malawi Revenue Authority National Smallholder Farmers Association of Malawi New Partnership for Africa‘s Development National Food Reserves Agency National Plant Quarantine Service...
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...Discover the Chief Health Benefits that have made Moringa Tea Famous * Boosts energy levels * Improves digestive function * Improves mental clarity/focus * Promotes sound sleep * Provides all vital vitamins * Contains several important minerals * Is an extremely powerful free radical fighter * Moringa has very high levels of fibers * Cleanses and Detoxifies the body of infectious toxins * Strengthens your immune system * Enhances sexual desire and performance * Fights cancerous cells * Slows down the aging process * Promotes healthier and younger-looking skin * Alleviates diabetes * Normalizes and regulates cholesterol levels * Helps maintain healthy heart function * Minimizes inflammation * Improves Blood Circulation * Prevents artherosclerosis * Enhances visual acuity * Helps stabilize normal blood sugar levels * Helps improve patients suffering from leukemia, dengue * Fights general depression and stress * Supports weight loss * Improves upon your overall physical strength If you’re looking into living a very long life… and… staying young and healthy… this very well could be the most important message you will ever read. One small common malungay tree is taking on the entire world’s illnesses…and winning! The secret all lies within how cells in your body die. Did you know there are only TWO ways for a cell in your body to die? Apoptosis – The Good Way The process where...
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...you could smoke a pound of it and not get high. (Rice)" In addition 4.6 million members of the American Farm Bureau Federation support Hemp 100 percent. Hemp could be the most abundant natural resource, it can replace 80% of our fossil fuels, and be used for many major medicinal purposes (Kriho). It is essential that we stop the use of all fossil fuels, and deforestation to save Mother Earth. This can be accomplished with the cannabis plant hemp seizing pollution and provide the world with more than enough of its energy needs. According to Jack Herer, George Washington and Thomas Jefferson, we're not only the founders of our country, but also the first growers of cannabis in America. In addition, Benjamin Franklin started the first paper mill, which made it possible to make their own books. Growing this crop was not uncommon at this day and time. In the census of 1850, 8,327 crops were established and each measured at least 2000 acres each, this commodity was found in the South. Its uses varied from rope to...
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...Organization Studies http://oss.sagepub.com ‘Subterranean Worksick Blues’: Humour as Subversion in Two Call Centres Phil Taylor and Peter Bain Organization Studies 2003; 24; 1487 DOI: 10.1177/0170840603249008 The online version of this article can be found at: http://oss.sagepub.com/cgi/content/abstract/24/9/1487 Published by: http://www.sagepublications.com On behalf of: European Group for Organizational Studies Additional services and information for Organization Studies can be found at: Email Alerts: http://oss.sagepub.com/cgi/alerts Subscriptions: http://oss.sagepub.com/subscriptions Reprints: http://www.sagepub.com/journalsReprints.nav Permissions: http://www.sagepub.co.uk/journalsPermissions.nav Citations http://oss.sagepub.com/cgi/content/refs/24/9/1487 Downloaded from http://oss.sagepub.com at SAGE Publications on July 31, 2009 1487 Authors name ‘Subterranean Worksick Blues’: Humour as Subversion in Two Call Centres Phil Taylor and Peter Bain Abstract Phil Taylor University of Stirling, UK Peter Bain University of Strathclyde, UK This article engages in debates stimulated by previous work published in Organization Studies, and more widely, on the purpose and effects of workers’ humour and joking practices. The authors emphasize the subversive character of humour in the workplace, rejecting perspectives which see humour as inevitably contributing to organizational harmony. Drawing on methodologies, including ethnography, which permitted...
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...obtained prior permission, you may not download an entire issue of a journal or multiple copies of articles, and you may use content in the JSTOR archive only for your personal, non-commercial use. Please contact the publisher regarding any further use of this work. Publisher contact information may be obtained at http://www.jstor.org/action/showPublisher?publisherCode=jphil. Each copy of any part of a JSTOR transmission must contain the same copyright notice that appears on the screen or printed page of such transmission. JSTOR is a not-for-profit organization founded in 1995 to build trusted digital archives for scholarship. We work with the scholarly community to preserve their work and the materials they rely upon, and to build a common research platform that promotes the discovery and use of these resources. For more information about JSTOR, please contact support@jstor.org. Journal of Philosophy, Inc. is collaborating with JSTOR to digitize, preserve and extend access to The Journal of Philosophy. http://www.jstor.org THE JOURNAL OF PHILOSOPHY VOLUME LXXVII, NO. 8, AUGUST I980 _~~~~~~~4 -, *+ - _ CONCEPTUAL METAPHOR IN EVERYDAY LANGUAGE U NTIL recentlyphilosophershave tended to beratemetaphor as irrational and dangerous, or to ignore it, reducing it to the status of a subsidiary problem in...
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...Fagan © Earth Open Source www.earthopensource.org 2nd Floor 145–157, St John Street, London EC1V 4PY, United Kingdom Contact email: claire.robinson@earthopensource.org June 2012 Disclaimer The views and opinions expressed in this paper, or otherwise published by EOS, are those of the authors and do not represent the official policy, position, or views of other organizations, universities, companies, or corporations that the authors may be affiliated with. GMO Myths and Truths 2 About the authors Michael Antoniou, PhD is reader in molecular genetics and head, Gene Expression and Therapy Group, King’s Cols: lege London School of Medicine, London, UK. He has 28 years’ experience in the use of genetic engineering technology investigating gene organisation and control, with over 40 peer reviewed publications of original work, and holds inventor status on a number of gene expression biotechnology patents. Dr Antoniou has a large network of collaborators in industry and academia who are making use of his discoveries in gene control mechanisms for the production of research, diagnostic and therapeutic products and safe and efficacious human somatic gene therapy for inherited and acquired genetic disorders. Claire Robinson, MPhil, is research director at Earth Open Source. She has a background in investigative reporting and the communication of topics relating to public health, science and policy, and the environment. She is an editor at GMWatch (www.gmwatch.org), a public...
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...IELTS Secret Key #1 - Time is your greatest enemy |[pic] |[pic] |[pic] | | |Written by Rad Danesh | |Monday, 23 April 2007 | |To succeed on the IELTS, you must use your time wisely. Many students do not finish at least one module. The table below shows | |the time challenge you are faced with: | |Module | |Total time | |Questions | |Time for each question | | | |Listening | |30 min ...
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...Foreword 11 How Keen Is Your Observation? 13 Does what you see register in your mind? Which light is on top of the traffic light? Is the number six on your watch dial, the Arabic #6 or is it the Roman #VI? Other observation questions. The importance of observation in memory. Habit Is Memory 20 There is no such thing as a poor memory, only a trained or untrained one. There is no limit to the capacity of the memory. Lucius Scipio was able to remember the names of all the people of Rome; Seneca could memorize and repeat two thousand words after hearing them once. Test Your Memory 24 If you can remember any one thing by association, you can do it with anything else. A series of tests for you to take now to indicate how limited your untrained memory is. Interest in Memory 32 The first step is to be interested in remembering names, faces, dates, figures, facts—anything, and that you have confidence in your ability to retrain them. Link Method of Memory 39 What the Link Method is. Use this method of associating ridiculous mental images with items you want to remember. Start to remember as you've never remembered before. Peg System of Memory 48 The Peg System helps you associate and remember numbers. You can learn to remember 52 items by number, in and out of order. Uses of the Peg and Link Systems 60 Start with remembering a Shopping List and Daily Errands. From this you will go on to more difficult feats. How to Train Your Observation 66 ...
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...DIVINATION SYSTEMS Written by Nicole Yalsovac Additional sections contributed by Sean Michael Smith and Christine Breese, D.D. Ph.D. Introduction Nichole Yalsovac Prophetic revelation, or Divination, dates back to the earliest known times of human existence. The oldest of all Chinese texts, the I Ching, is a divination system older than recorded history. James Legge says in his translation of I Ching: Book Of Changes (1996), “The desire to seek answers and to predict the future is as old as civilization itself.” Mankind has always had a desire to know what the future holds. Evidence shows that methods of divination, also known as fortune telling, were used by the ancient Egyptians, Chinese, Babylonians and the Sumerians (who resided in what is now Iraq) as early as six‐thousand years ago. Divination was originally a device of royalty and has often been an essential part of religion and medicine. Significant leaders and royalty often employed priests, doctors, soothsayers and astrologers as advisers and consultants on what the future held. Every civilization has held a belief in at least some type of divination. The point of divination in the ancient world was to ascertain the will of the gods. In fact, divination is so called because it is assumed to be a gift of the divine, a gift from the gods. This gift of obtaining knowledge of the unknown uses a wide range of tools and an enormous variety of ...
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