...31 courses – 9 Fundamental Courses – 2 Language Course = 20 Courses Accounting and Mgmt Control | Public and Private Policy | Economics | CPTC 31080: Pré-MSc Comptabilité (DONE) | DEVC 31110: Acteurs Publics | ECOA 31123: Macroeconomic Theory and Development | CPTC 31081: Pre-MSc Accounting (DONE) | DEVC 31112: Les enjeux de l’economie sociale | ECOA 31129: Asian Economies | CPTC 31124: Informations Comptables et Financières (CORE) | DEVC 31114: Economie urbaine et régionale | ECOA 31157: Monnaie et banque | CPTC 21125: Financial Accounting and Reporting (CORE) | DEVC 31134: Etat et gouvernance | ECOA 31180: Macroéconomie: introduction | CPTC 31246: Analyse des états financiers | DEVC 31202: Les modes de gestion des collectives et des services urbains | ECOA 31203: Economie du travail | CPTC 31247: Financial Statement Analysis | DEVC 31204: Marketing urbain | ECOA 31205: Sustainable Energy Economics | CPTC 31254: Audit et Management | DEVC 31206: Strategie et management des organisations à finalité sociale | ECOA 31226: Analyse de conjoncture | CPTC 31261: IFRS – Investor Relations | DEVC 31208: Urbanisme et aménagement | ECOI 31080: Pre-MSc Microéconomie | CPTC 31265: Group Financial Statements | DEVC 31210: Responabilité sociale de l’entreprise et developpement durable | ECOI 31081: Pre-MSc Microeconomics | CPTC 31355: Strategic Business Analysis ad Value Creation | DEVC 31212: Politiques publiques locales | ECOI 31142: Economie managériale | CPTC...
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...Borrower: (AKA) | Co-Borrower (AKA) | | | Legal: | | USPS Address: | Current address: | | EXP | 1003-Vaildated | | | 1003 Initial Type Interview: LO Date: Borrower Date: | | | GFE Date TIL Date APR Range: | | | Section A Fee: Section B Fee: | | | APPRAISAL/APPRAISER | | | Appraisal Dated: Sales Price: Appraised Value: $ | | | Appraiser License Concessions: Max Loan (103.5%) | | | Appraiser Insurance HUD Statement Final Required: | | | Cost of Appraisal: Well Test Site Value | | | Appraiser: Septic Statement: Greater than 30% | | | ...
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...January 1, 2012 8:52 PM Chapter 44 Lecture Note # 1 by Spring Walton Note edited by Spring Walton on 01/03/2012 08:07PM Chapter 44 Consumer Protection I. Introduction Consumer law issues include those of contracts (including UCC sales), torts, crimes, and product liability, often acting as a backup to the failures and shortcomings of those other areas of the law. All of them provide some measure of consumer protection, yet none stand alone as being complete. They are interdependent and, as such, students must be aware of the big picture of consumer protection. This chapter covers the fourth major set of venues within a quadripartite of remedies available to a wronged or injured consumer. First, there is criminal law. Victims of consumer fraud and similar offenses have always been able to seek state-supported sanctions against wrongdoers. This venue may provide some ephemeral satisfaction for the victim and may even, at least temporarily, protect society from further harm. But criminal law does not truly make the victim whole. As a matter of fact, most of the miscreants convicted of consumer fraud are also judgment proof, i.e., they have no assets from which civil judgments can be satisfied. The second area of consumer protection is found in tort law and the permutations of intentional tort, negligence tort, and strict liability. These remedies can and do provide meaningful substance to civil correction of wrongdoing...
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...development of new mortgage products and new methods in the way those mortgage products were invested, outpaced the regulatory standards the Federal government had previously established. Understanding the role of government previous to and post the mortgage industry collapse will be the focus of this market examination. The mortgage industry is regulated by several government intuitions and regulations. The regulations are split between the protection of the consumer in lending decisions and the regulation of the bank in the lending practices. The agencies that regulate the industry are the FDIC, FTC, CFPB, and the OCC. These agencies regulate and give oversight to the industry. The laws or acts that regulate the industry are mainly the TILA, ECOA, RESPA, Regulation Z, and the Patriot Act. The department of justice enforces all mortgage industry laws. The Original Market Failure The market prosperity of the 1990’s brought new investors and capital into the mortgage industry. Investors were ager to find new vehicles for investment and the banking industry saw an opportunity to expand the lending programs that were available to the residential lending market. A mortgage was previously a 10,15, or thirty year fixed rate term. The minimum down payment was 5%to 15% on average between all lending arms. The banks proposed new investments based on variable rate mortgage such as 3/1 and 5/1 arms as well as lower down payments in some cases the financing was as high as 103% of the property...
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...Chapter 5 Consumer Credit: Advantages, Disadvantages, Sources, and Costs McGraw-Hill/Irwin Copyright © 2010 by The McGraw-Hill Companies, Inc. All rights reserved. Consumer Credit Chapter Objectives 1. Analyze advantages and disadvantages of using consumer credit 2. Assess the types and sources of consumer credit 3. Determine whether you can afford a loan and how to apply for credit 4. Determine the cost of credit by calculating interest using various interest formulas 5. Develop a plan to protect your credit and manage your debts 5-2 Objective 1 Analyze Advantages and Disadvantages of Using Consumer Credit • Credit – An arrangement to receive cash, goods or services now, and pay for them in the future – Based on trust in people’s ability and willingness to pay bills when due • Consumer credit – Use of credit by individuals for personal needs, except a home mortgage – A major force in our economy 5-3 Uses and Misuses of Credit • Before you use credit for a major purchase, consider: – – – – – – Do I have the cash for the down payment? Do I want to use my savings for this purchase? Does the purchase fit my budget? Could I use the credit I’ll need in some better way? Can I postpone this purchase? What are the opportunity costs of postponing this purchase? – What are the dollar and psychological costs of using credit for this purchase? 5-4 Advantages of Credit • Current use of goods and services • Permits purchase even when funds are low • A...
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...Building an Ethical Organization Part 1 Kay Wehner HSM/230 July 13, 2014 Kimberly Cowburn Building an Ethical Organization Part 1 Who are we? As the director of MWDDD (Mid-West Division of the Developmentally Disabled), a mental health service that is focused on the developmentally disabled, the main strategy as the director of this organization is to design, implement, and improve the quality and outcomes for the mental health and the social services within the organization. First it is important for the organization to incorporate different activities in order to improve the effectiveness of the organization, which will entail producing organizational practices, as well as the tools needed in order to not only identify, but address the barriers within the organization such as the ineffectiveness of treatments for instance. Secondly, it sets the essential ground rules for organizational effectiveness in order to direct the improvement endeavors within the organization. Last but not least, the organization will shape and refine the different decision making, and problem solving efforts so as not to hamper the improvements within the organization. It is important that the organization be successful in creating an increase of positive organizational morale, cultures, and climates, while reducing turnover with staff, improving the mental and health services available for each individual, and putting into effect a practice that is evidence-based. Our purpose and clientele: ...
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...Unit 7: Financing the Transaction Real Estate Law, Spring 2016 Chapter 21 Financing is a key to most real estate transactions. Although many changes keep occurring in real estate financing, the mortgage remains the primary method of financing a real estate purchase. This chapter introduces you to the nature and purpose of the mortgage. One purpose of this chapter is to acquaint you with the basic vocabulary of mortgage financing. It also discusses: 1. The legal repercussions of a mortgagor's default and the many different types of mortgage loans. 2. The application of the mortgage in financing the purchase of real estate. 3. The rights and duties of the parties 4. The relationship between mortgages and other liens. 5. The options often available to buyers and sellers when mortgaged real property is sold. Mortgage--a written instrument that uses real property to secure payment of a debt. Deed of Trust--a 3-party written instrument created by statute as follows: 1. Borrower- known in a deed of trust as the grantor 2. Trustee – neutral third party who holds title in trust as long as the debt is unpaid 3. Lender – known in the deed of trust as the beneficiary There are significant differences between a mortgage and a deed of trust. Primarily in how they are foreclosed once the loan is in default.. Mortgages, for the most part, are a thing of the past and have been replaced by modern deed of trust. Following are a few terms with which you should...
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...CHAPTER 1 WHAT IS CSR? eople create organizations to leverage their collective resources in pursuit of common goals. As organizations pursue these goals, they interact with others inside a larger context called society. Based on their purpose, organizations can be classified as for-profits, governments, or nonprofits. At a minimum, for-profits seek gain for their owners; governments exist to define the rules and structures of society within which all organizations must operate; and nonprofits (sometimes called NGOs—nongovernmental organizations) emerge to do social good when the political will or the profit motive is insufficient to address society’s needs. Aggregated across society, each of these different organizations represents a powerful mobilization of resources. In the United States, for example, more than 595,000 social workers are employed largely outside the public sector—many in the nonprofit community and medical organizations—filling needs not met by either government or the private sector.1 Society exists, therefore, as a mix of these different organizational forms. Each performs different roles, but each also depends on the others to provide the complete patchwork of exchange interactions (products and services, financial and social capital, etc.) that constitute a well-functioning society. Whether called corporations, companies, businesses, proprietorships, or firms, for example, for-profit organizations also interact with government, trade unions, suppliers,...
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...UNIVERSIDAD AUTONOMA DE NUEVO LEÓN FACULTAD DE CONTADURIA PÚBLICA Y ADMINISTRACIÓN INTERNATIONAL BUSINESS PROGRAM BUSINESS ITS LEGAL, ETHICAL AND JUDICIAL ENVIRONMENT “SUMMARIES” CHAPTERS 12, 13, 14, 15, 16, 20 and 21 Name: Nayeli Berenice Beltran Garza ID: 1586848 Group: 4Ai Cd. Universitaria de Nuevo León, November 16th 2015 CHAPTER 12 CONTRACTS AND SALES Introduction and Formation A contract is a promise or set of promises for breach of which the law fives a remedy, or the performance of which the law in some way recognizes as a duty. The three general sources of contract law for contracts entered into in the United States include common law, the Uniform Commercial Code, and the new sources of law evolving in response to e-commerce. Common Law The common law was the first law of contracts. It consists today of those traditional notions of law and the body of law developed by judicial decisions dealing with contract issues. Common law applies to contracts that have land or services as their subject matter. Contracts for the construction of a home and employment contracts are governed by common law. The Uniform Commercial Code (UCC) One of the problems with common law is its lack of uniformity, the states do not follow the same case decisions on contract law, and some states do not follow the Restatement. To address the uniformity, the National Conference of Commissioners on Uniform State Laws and the American Law Institute worked...
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...First Universal Lending LLC- An Elaborate Scam By Javoris L. Brown Strayer University LEG100 – Emily Smith Business Law 1 November 2012 The local business I choose to do my research on is First Universal Lending LLC, a limited liability company created by attorney David J. Feingold. Originally, First Universal Lending was created to help borrowers with the process of financing or purchasing a home. However, throughout the time that they were helping borrowers, many people were put into loan payments that they could not afford. With their livelihood and pride at state, borrowers began to complain about the loan that First Universal Lending acquired for them. Once these complaints were made public the company’s credibility reached an all-time low. In an effort to rekindle the flame the company hired new managers and personnel to point them in the right direction. Sean Zausner and his younger brother David Zausner were the new recruits that would maximize the profit and minimize the lost. After doing a bit of research, the Zausners proposed a new program that was capable of having an infinite line of income, The Loan Modification. During the loan modification process borrowers were attempting or led to believe that the terms of their mortgage could be reconstructed to their benefit or needs. With their home and family at state borrowers were willing to pay anything to keep their houses, this train of thought is what the Zausners predicted to happen. Once David Feingold...
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...SUMMARY Experienced, versatile office professional with background in mortgage, loans, real estate, financial and general office and customer service environment. Key strengths include attention to detail, strong organization and time management skills. Effective in reorganizing, streamlining and strengthening financial operations to maximize performance and profitability. Self-motivated, creative individual who works well independently and as a team member. Demonstrate the ability to think strategically, work effectively and produce results. Skills include: * Excellent analytical and reasoning skills. * Customer Problem Resolution * Proficient in using technology to solve company-wide challenges. * Microsoft Excel, Word and One Note * Outlook * Publisher & PowerPoint * Adobe Acrobat & Photoshop * Bilingual (Vietnamese and English) PROFESSIONAL EXPERIENCE Starwood Vacation Ownership Quality Control Analyst 12/2014-Present * Audit and/or daily review of new timeshare loan documents * Review performance and make process improvement recommendations for the queue maintenance, or other new timeshare loan processes. * Develop tracking tracking system for employee errors and subsequent management reporting * Thorough knowledge of loan documentation, collateral evaluation, lien perfection, local, state and federal regulatory requirements * Provides guidance and support in order to...
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...Greentree Financial Corp.-Ala.v.Randolph The Legal Environment of Business Abstract This paper is a brief introduction and discussion about a Supreme Court case- Greentree Corp. Ala. v. Randolph, which focuses on Contract Law and some concepts of arbitration. There are also some personal analysis and view about the case. Finally, some inspirations will be listed as impressions and for further discussion. Finally, a brief conclusion will be summarized at the end of the paper. The paper aims at restoring the reality of the case. Citations from the original sources have been listed in the sentences and at the end of the paper. In consideration of author’s limited knowledge and information sources, there will be inevitable mistakes and errors in the paper, all the criticisms corrected are welcomed by the readers. Content Introduction Background: Among the liberties secured by the Constitution is the right to have suits at common law decided by a jury (U.S. CONST. amend. VII) .The enactment of the Federal Arbitration Act 2 (FAA) in 1925 produced a critical qualification to this right, allowing commercial entities to agree to resolve a contractual dispute through binding arbitration agreements(9 U.S.C. § 2 (2000)). In Green Tree Financial Corp.-Alabama v. Randolph, the Supreme Court announced that, for consumers, the right to a trial by jury had been further qualified...
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...A HISTORY OF BUSINESS ETHICS The history of “business ethics” depends on how one defines it. Although the term is used in several senses and varies somewhat for different countries, its current use originated in the United States and became widespread in the 1970s. The history of business ethics in the United States can be viewed as the intersection of three intertwined strands. Each of these in turn can be divided into at least two related branches. The first strand, which I shall call the ethics-in-business strand, is the long tradition of applying ethical norms to business, just as it has been applied to other areas of social and personal life. This strand can be divided further into the secular and the religious branches. The second strand is the development of an academic field, which has been called business ethics. It also has two main branches, one being the philosophical business-ethics branch, which is normative and critical, and the other the social-scientific branch, which is primarily descriptive and empirical. The third strand is the adoption of ethics or at least the trappings of ethics in businesses. This again subdivides into the integration of ethics into business and business practices on the one hand and the commitment to corporate social responsibility on the other. Business ethics was introduced into Europe and Japan in the 1980s although the term did not translate easily, and the development in each country varied from that in the United States because...
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...Business Leadership Name Institution Business Leadership Abstract This research examines developments made in the leadership studies, beginning with the early theories made to try explaining the concept of leadership in business. Secondary materials were used as the main sources of data in this research paper. The objective of this research is to discuss leadership literature, the success of different writers work on the topic and its impact on business organizations. The literature review starts with a brief history of leadership and the key developments made during its evolution. The literature review then discusses the first phase of the business, which was before the 20th century followed by what was written in the second phase, which is normally called the neo-classical period. The review ends by giving the most recent developments in the field and the impact they have had on business organizations. The paper looks at leadership styles as the most discussed sub-section of leadership in its literature. This paper ends with a conclusion summarizing the research followed by possible recommendations. The importance of this research is to get data relevant to organizational leadership by analyzing literature development over the years. Introduction The concept of leadership is as old as civilization itself. It started from the ancient times when the organization became an entity and many people started getting together to achieve a certain objective. A leader is...
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