...it until the mortgage has been paid off. In other hand, the Lien Theory provides that a mortgagee of property holds only a lien, and not a title to the property until such time the mortgage is fully paid. The difference between these two theories are that in a Lien Theory the buyer retains the deed to the property, and in the title theory, the bank or finance company is the one issues the loan will hold the title until the loan is satisfied. While this difference is little at the time of the closing, it can make a big difference if there is ever a possibility of foreclosure. The State of Massachusetts used the Title Theory, and the foreclosure process has many steps. Under this process, the Lender must file a complaint under the service member’s civil relief act in a land court or superior court, stating the intent of the foreclosure. Homeowners must be served with a copy of the complaint and has 20 days to file an answer. The following steps are included in this process: 1) Default and Right to Cure Notice – Homeowner falls behind on mortgage payments, it may receive collection calls or letters from the lender. The lender sends Right to Cure Notice giving homeowners 150 days to bring mortgage payments current, and during this time the lender cannot accrue excessive fees and penalties. 2) Acceleration Notice – If the mortgage is not paid in full, the lender will send an acceleration notice, which means that the entire loan is due. This notice must be sent by registered...
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...talked about making Nepal a better place to live. By listening to them, any unsuspecting person would think that they were the real worriers of Nepal. However, that impression dissipated soon after the cocktails that followed. The worriers thought their jobs were done when the power-point presentation or resolute speeches were over. But the brainstorming on the same subject continued with each round of cocktails. The vicious cycle kept going for quite some time, already costing a large chunk of budget even before the project was kicked off. There was always a ghost at those receptions. Honestly, I failed to recognize the ghost during those times. I myself loved cocktails then. I wish I had known the ghost and asked my friend to report about him instead of doing affirmative reporting of such events. I don’t know, however, if it would have made any difference, had the ghost – malnutrition – was reported adequately. Malnutrition muddles Nepal without any limit. According to government sources, a child dies of ailment related to malnutrition every ten minutes. This means up to 50,000 children die per year because of under nourishment. I don’t think we need any more data to justify the seriousness of this case. I wonder what will happen to Nepal in 20 years when the national economy will have to depend on today’s malnourished children who are surviving to suffer more than to offer their services. The nation after two decades is more likely to be a place with youths with disturbing health...
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...and key concepts gleaned from selected course reading selections. As CEO of GE, Jack Welch's management skills became legendary, with little tolerance for bureaucracy and archaic business processes. Acquiring new businesses and ensuring that each business unit under the GE umbrella was one of the best in its field was a primary concern for Mr. Welch. Under his guidance, the company expanded dramatically from 1981 to 2001 (GE, 2012). The culture of innovation and learning, which included incorporation of measures related to new product development, technological leadership, and rates of improvement, aided Welch and the company in defying the critics as the company continued to profit. 3 GE’s Two Decade Transformation Introduction Surviving in today’s challenging business environment necessitates innovative thinking in terms of crafting strategies to enable the establishment and sustainment of a competitive advantage. Through an established strategy, structured options and decision making processes, organizational leaders will be able to facilitate organizational development and growth. Overcoming the odds and competitive pressures sometimes requires defying critics and popular views to develop initiatives...
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...concepts gleaned from selected course reading selections. As CEO of GE, Jack Welch's management skills became legendary, with little tolerance for bureaucracy and archaic business processes. Acquiring new businesses and ensuring that each business unit under the GE umbrella was one of the best in its field was a primary concern for Mr. Welch. Under his guidance, the company expanded dramatically from 1981 to 2001 (GE, 2012). The culture of innovation and learning, which included incorporation of measures related to new product development, technological leadership, and rates of improvement, aided Welch and the company in defying the critics as the company continued to profit. 3 GE’s Two Decade Transformation Introduction Surviving in today’s challenging business environment necessitates innovative thinking in terms of crafting strategies to enable the establishment and sustainment of a competitive advantage. Through an established strategy, structured options and decision making processes, organizational leaders will be able to facilitate organizational development and growth. Overcoming the odds and competitive pressures sometimes requires defying critics and popular...
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...gang lifestyle offer the youngster a stable family with a warm bed and a full stomach. Who wouldn’t do whatever it takes to keep a roof overhead? My community in California offer two of many programs geared at our juvenile delinquents. The first program is called Wind Youth Services. This program was started in 1994 by two sisters. The nuns rented a small place to help youth who ran away survive on the streets. They provided classes with basic survival skills and resources to break the homelessness cycle. The program provided more youth than space. In 2001 with the help of a Federal Grant, Wind Homeless Shelter was opened. It provided more classes and more volunteers and community outreach. In 2007, with the help of generous donors and outreach programs, Wind opened up a youth center for young people to come and do homework; get tutoring; job outreach as well as a hot meal. Some of the successful programs have been the life skills program. Today there are more than 3 million kids who are discharged from foster care who will become homeless (2012). In Sacramento, the Wind group has put 237 kids in 2012 through the life skills class. The life skills class provide a life plan for surviving. The young people develop a plan for their...
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...Networks…………………………………………………………………………………………………………………………………..12 Conclusion…………………………………………………………………………………………………………………………………………12 Works Cited……………………………………………………………………………………………………………………………………...13 Abstract The term ‘born global was birth in 1993 by Michael Rennie (Tanev, 2012). From that time the concept of born global firms emerged as a subject of empirical study in international business relations. Researchers watched and marked small international firms as they emerged and survived, though seeming to have done so outside of conventional theories of internationalization. It was not simply the rise of these firms that caught the interest of the international business community, rather it was that they were essentially breaking the rules of international engagement and surviving to tell the story. This phenomenon caused researcher to revisit age old internationalization models such as the Uppsala and Innovative Models. As research continued, and still does, born global firms have been defined as having a certain set of characteristics evident across the spectrum....
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...is taking ideas beyond the normal boundaries and innovation is using the available skills and resources to create new product and service offerings, process technologies, and enabling technologies (Davila, 2006, p. 35). The process of managing creativity and innovation can improve the organizational effectiveness because “all innovation begins with creative ideas” (Jones, 2004, p 409). Best Snacks Inc. must implement organizational strategies that support innovation and the development of new products and services as well as implement a program designed to increase its employees’ creative thinking skills. Additionally, Best Snacks Inc. should also make changes to its management systems. In this paper, I will describe the issues Best Snacks, Inc. is facing as well as its opportunities to implement a creative and innovative environment that will enable the company to regain its industry leader status, increase sales, and to reverse its downward trending stock price. It will then discuss the stakeholders, dilemmas, benchmarking, alternatives, and, finally, the recommended course of action that Best Snacks, Inc. should take to meet its strategic goals. Describe the Situation Issue and Opportunity Identification Best Snacks Inc., a publically held company, has been a leader in the snack food industry. As customer performances began to place a higher priority on product price...
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...Access to reproductive health care is essential to a woman's health, and for some Canadian women, abortion is a key component of that care. However, not all women in Canada have adequate, or in some cases any access to abortion. Before delving into the core of this essay, I would like to clarify that there are different types of abortions. First off, abortion is the ending of pregnancy and explosion of the embryo or fetus, generally before the embryo or fetus is capable of surviving on its own. Abortion may be brought on intentionally by artificial means, which is referred to as induced abortion or may naturally occur, which is known as spontaneous abortion and also referred to as a miscarriage. In Elizabeth Renzetti’s article, “If abortion...
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...in Development Fhameka Lewis February 10, 2015 Argosy University Single Moms Single moms face a challenge within their lives. Some mothers become single through divorce and while others become single outside of wedlock. However, there is no set age for a single mom. Statics states that most females become single moms before they finish high school and is receiving some type of government assistance for help. The average single mom has either dropped out of school or working a minimum paying job. Because of the high cost of living rate it is impossible for these single moms to provide a healthy life for their children. Therefore the Department of Human Service is stepping up to the platform to help these moms seek better jobs and receive a better education. The Jefferson County Department of Human Services will be offering a variety of workshops for all single moms in the surrounding communities. The workshop is called Single Moms Taking Control, and will be on Thursday June 3, 2015 during the hours of 9:00 a.m. until 2:00 p.m. The purpose of the workshop will be to provide guidance and resources for all the single moms who which to go back to school to receive their GED or for those who which to obtain a degree in higher education. The workshops will also help the moms with resources to maintaining a healthy relationship with their family. Also throughout the workshops there will be venders there who will be proving applications to those who are seeking jobs. The...
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...the Iraq/Middle East situation poses the gravest threat to the growth and stability of the world economy. If the situation in Iraq further deteriorates, the threat of sectarian violence spreading in the region increases and instability results. By this threat alone, this is a serious risk. However, the chain of events it could trigger is more significant. *Increasing incentives to join terrorism The conflict in Iraq and the Middle East, where civilian lives were lost and impoverished makes it easier for terrorist groups to attract new recruits. Destruction of lives and property, as well as the resulting chaos could popularize anti-US/Western sentiment. Also, joining terrorist groups could also be an escape from the difficulty of surviving in the ongoing chaos. The threat of this new wave of terrorist activities could result in a more unsecure world, where asymmetric warfare could break out in different regions. *Worsening oil supply uncertainty As the Middle East region accounts for more than half of the world’s oil reserves, with Saudi Arabia alone accounting for 25%, the effect of an unstable Middle East directly leads to a more uncertain oil supply for the world. Over the recent years, the number of attacks on oil-producing infrastructure has increased. With an increase in terrorist activities, these are increasingly attractive targets as its effects will be easily felt in a world that has become increasingly more dependent on oil. An uncertain oil supply situation...
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...Although Singapore is fortunate enough to not sustain a terror attack, it seems that the precautionary logic and preventative measures are not enough to guarantee the safety of the nation (Rose, 2014). The Singaporean government then introduced another approach in managing futurity and risk of terrorism, it created the national rhetoric of social resilience. The turn to resilience was captured by a number of scholars both local and abroad (Leong and Toh, 2012; Walklate and Mythen, 2015). Social resilience is the “ability and speed in which societies rebound and recover after encountering crises (Low and Song, 2007 p. 1). The civil service researchers added that relying on technical apparatus such as the RAHS is inadequate. The resilience of the society will be put to the test in combatting terrorism. Charles Ng (2011) argued that the conceptualization of resilience can be seen as a form of community spirit. He cited examples such as “community clubs, business associations, and religious organizations” are all excellent platforms to cultivate a resilient community (Ng, 2011 p. 2). However, the shift from a risk language to a rhetoric of resilience does not mean that it has abandoned its existing risk calculus. Resilience builds on the positive spirit of the community and encourages a sense of camaraderie which becomes a ‘never say die’ society. It is still a politicized concept...
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...all the risks the government had run. 5. State a well-defined, reasonable, and accurate justification to support Chrysler’s claim. III. Areas of Consideration 1. The government’s warrant of Chrysler saved the company from a financial tragedy. 2. The impact on the federal budget of a Chrysler failure would be greater than the cost of assistance. 3. A Chrysler failure would disproportionately affect a city and a region that already had substantial economic problems. 4. Failure of Chrysler would lead to either greater monopoly power by surviving US firms, or worsening balance of payments as foreign producers captured increase US market share. 5. In the long term forecast, Chrysler actually has an increasing demand. 6. Common Stock Warrants 7. Chrysler requested from the government to surrender the warrants at little or no cost. 8. Lee Iacocca, CEO of Chrysler, stated that the government’s money was never at risk in the first place when the warrants were issued. IV. Alternative Courses of Action 1. Chrysler will no longer request for return of its warrants at no cost Pros: • The company will not anymore concern itself on reclaiming its warrants for the time being; instead it will focus on realigning with its existing strategies to increase market share and profitability. • Cash...
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...Summary FreshDirect is a mobile grocer based in Queens, New York that delivers fresh produce, meat, dairy, and other food straight to residences within the state and surrounding areas. To help customers who find grocery shopping a chore, its greatest appeal is that the system allows customers to order food online instead of traveling to a physical store. All of their locations receive their food from one 300,000 square-foot production center, which means FreshDirect does not carry the burden of paying for retail space. Their mission is to buy locally as much as possible, so customers know their ingredients are fresh. As an online delivery grocer, the website is main artery of the whole operation. This is where customers can customize their meat cuts, review in-season and out-of-season produce, choose their delivery time, and pay for their order. By eliminating the middleman, customers can directly order produce, meat, seafood, baked goods, and coffees that are customized to their specifications. Online grocers have become increasingly popular in metropolitan areas during the last decade. In 2010, FreshDirect’s revenues accumulated to over $250 million, while total online grocery shopping sales were estimated to be about $8.4 billion. FreshDirect still faces numerous challenges like the rising cost of fuel, pressure from environmental groups to be more eco-friendly, and a large accumulation of traffic violations when trucks double-parked during deliveries. The company continues...
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...and petrol station. Today, principles and values of the founders continue to guide the company's direction--by providing customers with quality products, excellent service and thoughtful attention and makes it preferred customers shopping to Sainsbury supermarkets. Analysis of Sainsbury’s will be discussed by the characteristics of services, consumer buying behaviour, and service quality by using some academic model. 2. The Characteristics of Services Figure 2: Scale of Market Entities Source: Shostack, 1977 The scale of market entities classified different products into tangible dominant and intangible dominant which include pure tangible goods, tangible goods with accompanying service, service with accompanying goods and service and pure service. It shows goods-services continuum that most products contain both goods and services in real life (see Figure 2). Sainsbury sells products which combine goods and services. In addition, the characteristics of its services have effects on Sainsbury’s’ marketing activities and they will be discussed following. 3.1. Intangibility The reason why services are intangible can be understood by analyzing the characteristics of intangibility, according to Hoffman and Bateson (2010). They claim that services are performances rather than objects for pure services can-not be touched, smelt, seen or tasted like...
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...Running Head: Eubie Blake Eubie Blake Jeremy Dorsey Professor Hayes Jazz 201 Section 001 February 23, 2012 Eubie Blake’s real name was James Hubert Blake. He was born on February 7th, 1887 on 319 Forrest Street, Baltimore, Maryland to former slaves John Summer Blake and Emily Johnstone. Eubie Blake was the only surviving child of 8. Blake states that he was born in 1883, but documents state he was indeed born in 1887. The reasoning for him saying he was born earlier is still undefined. Eubie Blake was known for his piano skills and his talent with composing. Blake became interested in jazz when he was just four or five years old while he was out shopping with his mother, he wandered into a music store, climbed on a bench of an organ, and started “foolin” around. When his mother found him, the store manager said to her “The child is a genius.” Blake first purchased a pump organ for 75.00 making payments of 25 cents a week. When Blake was seven, he received music lessons from their neighbor teacher, Margret Marshall, an organist form the Methodist church. In 1901 Blake danced and played melodeon with Dr. Frazier's Medicine Show. In the following year, he joined the touring company in Old Kentucky, which took him briefly to New York City. From New York, Blake returned to Baltimore and received a job as a relief pianist for Big Head Wilbur at Alfred Greenfield's saloon, an establishment built by light weight boxing Champion Joe Gans. After two years at Greenfield's, Blake...
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