...Introduction Purchasing a home is one of the largest investments one will make in their lifetime. The extreme difficulty to amass enough savings to purchase a home up front causes most people to obtain a mortgage, a loan to finance the purchase of your home. There are various types of mortgages and many pros and cons that come with each. To determine whether or not you are eligible for a mortgage loan, you must consider your credit history, how much money you can put toward a new home, and the new costs that come with owning a home. You also have to consider the principle, the sum of money you borrow to buy your home, the interest on your mortgage payments, property taxes, and homeowner’s insurance. Understanding the financial considerations that go along with buying a home and creating a financial plan prior to your decision is the base for a successful start. Discussion The key to successfully buying a home is to determine how much you can afford and starting your research early. I would start by calculating my mortgage limit by finding what the principle, interest, taxes, insurance, as well as my other liabilities to establish a plan and limit on the price I’m willing to pay. I would then determine the area in which I wish to live based on the location of my work, home prices, and housing trends, such as price fluctuations and how long homes have been on the market, in certain areas. I would also have to consider the financial setback buying a house would cause. Not only...
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...Mortgage Type of Mortgage | Pros | Cons | Fixed-rate mortgage | No surprises The interest rate stays the same over the entire term, usually 5, 10, 15, 20 or 30, or 50 years. | If interest rates fall, you could be stuck paying a higher rate. | Adjustable-rate (ARM) or variable-rate mortgage | Usually offers a lower initial rate of interest than fixed-rate loans. | After an initial period, rates fluctuate over the life of the loan When interest rates rise, generally so do your loan payments. | FHA (Federal Housing Administration) loan5% Down payment | Allows buyers who may not qualify for a home loan to obtain one Low down payments, 3.5% Low closing costs, no credit score requirements | The size of your loan may be limited.The house has to be appraised and meet criteria | VA loan | Guaranteed loans for eligible veterans, active duty personnel and surviving spouses Offers competitive rates, low or no down payments. | The size of your loan may be limited. | Balloon mortgage20% | Usually a fixed rate loan with relatively low payments for a fixed period. | After an initial period, the entire balance of the loan is due immediately This type of loan may be risky for some borrowers. | Interest-only30 yrs 100, 0006.25% down payment $520.83 | Borrower pays only the interest on the loan, in monthly payments, for a fixed term. | After an initial period, the balance of the loan is due. This could mean much higher payments, paying a lump sum or refinancing. | Reverse mortgageNo...
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...Ca;e 1 ( C a p i t a lM o r t g a g en s u r a n c e o r p o r a t i o nA ) I C Frank Randall hung up the telephone.leanedacrosshis desk, a¡d fixed a cold slafe ai Jim Dolan. OK, Jir¡. Theyve ¡greed a neeridg. ve gorthee daysto resolve thing. ro We Lhis The quefionis. rh¡I ¡Fpro¡ch should take? we How do we getthe¡rLo ¡c.ept oü ottcr? Randall, presidentof Crpital Mo¡tgage lnsunnce Coryoration(CMI). had called Dolan,his senlorvice!ürsidentmd treasürcr, his oltice Io help hn¡ plnu theirs¡ategy into lbrcor¡pleting the ¿cquisilion Co.poüte T.a¡sfef SeNices(CTS).Thetwo menhad beof gu¡ i¡fomr¡l discustions üith the pdncip¡l stockholders olthe small enployeerelocation sefr'ices companysomefoul.monthseadief.Now, in lateMiy 1979,they weredeveloping the lerms ofa formal purchaseoffer anciplotting theif saaiegy lbf the fi¡al negotiations. The acqüisition,ifconsummated,woulclbe the first in CMI s history.FulthemoLe, it rep¡esented significantdepa.türefrom the company\ pr€sentblrsiness. ¿ Randalland Dohn knew that the ácquisitioncoüld havemaFf implic¡tions, bothfor themseLves and for the conpary they had rcviialized overthe pas¡sevefalyea$. JimDola¡ ignoredFrankRandall\ iúe¡se look and gazedout the eighth-tloorwindow overlookingPlrilAdeLphia's Inde!endenceSqLr¡re. question, We Thr¡fsnotaneasy Frank. knowtlley'Iestill looki¡g for a lor morcmotrey thir wete thi¡kingabour. thal.rhei¡urpartne¡s hLrve theirowndiir¡enccs,r¡d we Bu!bcyond wh¡t lhey'recxpe.(i¡g S0 lguesswe'dhettef thiso¡re need...
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...History of Singapore How Singapore Came to Develop Its High Tech Industry Other than location the only resource that could be a basis for the economic development and prosperity of Singapore is its labor force, more specifically the training of its labor force. Singapore could not hope to compete upon the basis of the cheapness of its labor; it had to create technical skills that are unavailable elsewhere in the Third World. The local industry was limited to trade and did not have the capability of creating export industry. Singapore, under the leadership of Lee Kuan Yew, sought to bring in foreign industry. But, with much of the Third World trying to do the same thing it was not an easy task. One of the first goals was to make potential employers aware of the relative incorruptibility of the Singaporean bureaucracy. In much of the world laws are arbitrary and subject to change by the government. Corporations do not want to risk investing millions of dollars in facilities in an area where various elements of the government can take part or all of it at any time. The laws in Singapore might not be exactly to the liking of foreign companies but they would be fairly enforced. This proved to be a highly attractive feature of Singapore. The tax system was also attractive to foreign companies, often giving lower tax rates for foreign investment than for local residents. One of the keys to Singaporean development was the upgrading of infrastructure, streets, roads, an airport...
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...ACADEMIC (học thuật). Nên để đạt điểm cao trong kỳ thi IELTS, ôn luyện từ trong quyển 22.000 từ THI TOEFL/IELTS của Harold Levine là cực kỳ cần thiết. Mỗi ngày chỉ cần học 3 từ, thì lượng từ vựng của bạn sẽ tăng đáng kể. Số từ vựng này giúp bạn trong cả 4 phần thi LISTENING / SPEAKING / READING / WRITING. Ví dụ: Nếu bạn dùng từ: SIMULTANEOUSLY thay cho từ AT THE SAME TIME, hay PORTABLE thay cho từ EASY TO CARRY hay MITIGATE thay cho từ LESSEN … trong phần WRITING và SPEAKING thì điểm của bạn sẽ cao chót vót không ngờ luôn đấy. Chưa kể, nhất là trong phần READING, những từ trong quyển sách này xuất hiện nhiều lắm, và cả LISTENING nữa chứ. Sự lợi hại của quyển sách này, chắc chắn chỉ khi nào học rồi, bạn mới thấy rõ. Quyển này (nhà xuất bản TPHCM) đã hết bán rồi. Nên nếu bạn nào cần phôtô thì liên lạc Uyên Uyên: UyenUyen@englishtime.us Tuy nhiên mỗi tuần Bear vẫn sẽ post lên đây 20 từ trong quyển sách đó, để nếu bạn nào ở xa, vẫn có thể học được. Đương nhiên mỗi người có 1 cách học riêng và trí nhớ khác nhau. Có người nhìn qua là nhớ liền, có người nhìn hoài vẫn không nhớ, nên Bear suggest cách học này, bạn nào thấy thích hợp với mình thì áp dụng: 1/ Mỗi ngày học 3 từ: giống như ăn cơm vậy: sáng 1 từ, trưa 1 từ, tối 1 từ. Vui lòng đừng thấy cuốn sách quá hay mà học 1 ngày vài ba chục từ rồi ngày mai nhìn lại thấy ngán.. rồi.. bỏ luôn quyển sách hay này nhé. 2/ Làm sao mà trước khi đi ngủ, có thể đọc (hoặc viết) ra 3 câu ví dụ có chứa từ đó là xem như...
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...Bare Bones Revision Guide AQA A2 Business Studies Unit 4 The Business Environment & Managing Change y y lic po ar e h th ow gr ar et on m y ion lic o yp t ec ot tive pr pec t s st n o em ti un xa idy ta ubs s c e l se w s po ket ies ar eg e m at g str ad y c s tr gin te er ra oli ver ersment n of emorpo m l p o rg ploy xatio ts ke e cl er ers n m lder p yme u ns keho plo a co n io t fla in g lin r e ng hao a ke c eed c a m fis t objectives t fr d men aims an ic environnment m econo enviro ment social nviron ange h legal e e em un ta of c causes ship leader g and proc hange g for c ess entin implem ing change s manag decision plannin rship exch st rates intere tives objecg markets in g emerg tion inflaange rates cto phic fa nemp subsid taxa hea u n envirot l M e ade s on na a n gi ra demog al dec politic ow ons er su n c C change i nfl subunemployateion men si m nt t re gula dy tio p an h envir social u lea ence ns d s fisc ersh al p i olic p y ge leade e cultur nt onme leg al inte stra rnal c teg au infl ic decisio ses enviro n missio tec al envir ecisio nt ra hno onm ns logi ent po cal or c strategi es influenc ent nm han...
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...Conte nts Company Information Notice of Annual General Meeting Directors ’ Report Financial Highlights Statement of Compliance with the Code of Corporate Governance Review Report to the Members on Statement of Compliance with Best Practices of Code of Corporate Governance Nis hat (Chunian) Limited - Financial Statements Auditors’ Report Balance Sheet Profit and Loss Account Statement of Comprehensive Income Cash Flow Statement Statement of Changes in Equity Notes to the Financial Statements Pattern of Shareholding Cons olidated Financial Statements Directors’ Report Auditors’ Report Balance Sheet Profit and Loss Account Statement of Comprehensive Income Cash Flow Statement Statement of Changes in Equity Notes to the Consolidated Financial Statements Proxy Form 66 67 68-69 70 71 72 73 74-111 113 23 24-25 26 27 28 29 30-62 63 4 5 6-16 17-19 20-21 22 JUNE 2013 3 Nishat (Chunian) Limited Company Information Bo a rd o f Dire c to rs : Mr. Shahzad Saleem Ms . Farhat Saleem Mr. Y ahya Saleem Mr. Manzoor Ahmed Mr. Aftab Ahmad Khan Mr. Mus htaq Ahmad (Res igned on July 16, 2013) Mr. Manzar Mus htaq (Res igned on July 16, 2013) Mr. Aftab Ahmad Khan Mr. Shahzad Saleem Mr. Manzar Mus htaq (Res igned on July 16, 2013) Mr. Mus htaq Ahmad (Res igned on July 16, 2013) Mr. Shahzad Saleem Mr. Manzar Mus htaq (Res igned on July 16, 2013) Mr. Umar Shahzad Mr. Saqib Riaz Allied Bank Limited As kari Bank Limited Al Barka Bank (Pakis tan) Limited Bank Alfalah Limited Barclays Bank plc...
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...Ashley Zerr Heather Altfeld English 130 18 December 2012 Inquiry Ashley, It’s about ten o’clock here and I couldn’t be anymore exhausted. We were prompted to wake up about four o’clock this morning. We’re all done with the days where all we do is stand in formation and learn how to march correctly, thank god. We have actually been doing some real training but it’s just the basics. Tomorrow (Monday) we get to go through the gas chamber though! So we will see how that goes. From what I hear you stand in there with your mask on, and then you have to take it off for about thirty seconds before you can exit the room. I guess people tend to pass out and throw up everywhere. So it could be some fun! I wish we could do some more repelling or shooting, but that’s not for a couple weeks. I just want to be out of this stupid place and get my phone and everything back. But I just have to be tough for a few more weeks and then it will all pay off. Guess what? I tried to steal a piece of pie in the dining hall at dinner because I wanted something sweet, but I got caught. So now I get no pie at all. They are so strict on what you can eat, you can’t even but Gatorades out of the vending machines. It’s so lame! And as soon as I get off the shuttle to the airport I am buying some candy and a coke. I can’t wait! I feel like I’m in prison. Not a day goes by where I don’t think about you. You’re the one thing keeping me going and all I look forward to when I get leave. I’ve been counting...
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...CHAPTER Franchises and Buyouts What comes to mind when you see the word franchise? For many, it’s a fast-food restaurant. For some, it’s the standardization of America—the same product or service wherever you go. For still others, it is a business model with franchisor rules that must be followed. For Dina Dwyer-Owens, however, it’s a way of teaching “principles and systems of personal and business success so that all people we touch live happier and more successful lives.” Dwyer-Owens is chairwoman and CEO of The Dwyer Group, a holding company of seven service-based franchise organizations: Aire Serv, Glass Doctor, Mr. Appliance, Mr. Electric, Mr. Rooter, Rainbow International, and The Grounds Guys. Founded in 1981 as Rainbow International, The Dwyer Group’s companies were providing services through more than 1,500 franchises in 10 countries by 2012. Don Dwyer, Dwyer-Owens’ father, fit the profile of an entrepreneur. In his youth, he had a newspaper route from which he © CBS Photo Archive/Getty Images In the SPOTLIGHT The Dwyer Group®: Seven Companies, One Code of Values www.dwyergroup.com After studying this chapter, you should be able to… earned over $2 million in today’s dollars by the time he finished college. Later, he bought a motivational materials franchise. His performance so impressed the franchisor that he made Dwyer part of his management team. Dwyer moved on to head Rainbow International, a carpet dyeing and cleaning company...
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...2nd Floor 90 Pitts Bay Road Pembroke HM08 Bermuda http://www.tyco.com T Ict I ati nat nal t99 1 A An u e R t T y c o y n oe r n t e r o n ailo L t d . L1 d . 9 9 9n9n u a ln R a lp o re p o r t The Zurich Centre Ty c o I n t e r n a t i o n a l L t d . 19 99 Annual Report Get to know we are the world’s largest supplier of electronic and electrical connectors WE ARE THE WORLD’S LARGEST INSTALLER AND SERVICER OF we are the world’s largest producer of FIRE AND SECURITY industrial valves SYSTEMS w e h a v e g row n o u r ea rni ng s a t a 35% com pounded r ate for the past fi v e y ear s we lead the burgeoning global market in undersea fiber optic telecommunications W E H AV E 1 8 2 , 0 0 0 EMPLOYEES IN OVER 80 COUNTRIES AROUND THE we are a global leader in disposable health care we achieved sales of over $22 billion in fiscal 1999 we do not make toys . . . and never have 1 1. telecommunications and electronics If you knew Tyco last year, look again. The Company has evolved into a leader in the fast-paced, high-tech world of electronics. Our merger with AMP, the world’s largest maker of electrical connectors, and the acquisition of Raychem, a leading manufacturer of high-performance electrical components, created the nucleus for the formation of Tyco Electronics Corporation, the world’s largest supplier of passive electronic components. The diverse capabilities of AMP and Raychem, combined with...
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...CRM : Making it simple for banking industry. Submitted To: Submitted by: Prof. K. Siva Reddy Sachin Bansal 09BSHYD0711 Tanmay Garg 09BSHYD0912 Prerak Dhawan 09BSHYD0586 Preetish Kr. Singh 09BSHYD0585 Sarita Sethi 09BSHYD0742 Priyanka Gunturu 09BSHYD0600 Index 1. Introduction to banking 3 Importance of banking 3 Need for CRM 4 2. Introduction to CRM 5 Phases of CRM 5 Benefits of CRM 6 Types/variations of CRM 7 Implementations of CRM 10 Importance of CRM in banking 12 Challenges in CRM implementation 14 3. CRM initiatives at SBI 16 CRM and SBI Life 16 4. CRM initiatives at HDFC Bank 19 About HDFC bank 19 Challenges 20 CRM solutions 20 Results 21 VbV facility for HDFC customers 21 Offers 21 RAP computer telephony integration 22 5. Research Methodology 23 Objective 23 Methodology 23 Demographics of sample 23 Data Analysis 24 Qualitative Analysis 25 Quantitative Analysis 27 Data Interpretation 29 6. Conclusion 30 7. References 31 Introduction to Banking Sec 5 (b) of the Banking Regulation Act, 1949 defines banking as “accepting for the purpose of lending or investment...
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...itcreg@intracen.org http://www.intracen.org Postal address: Telephone: Fax: E-mail: Internet: HOW TO ACCESS TRADE FINANCE A GUIDE FOR EXPORTING SMEs Geneva 2009 ii ABSTRACT FOR TRADE INFORMATION SERVICES 2009 F-04.03 HOW INTERNATIONAL TRADE CENTRE (ITC) How to Access Trade Finance: A guide for exporting SMEs Geneva: ITC, 2009. x, 135 p. Guide dealing with the processes involved in obtaining finance for exporting SMEs – explains the credit process of financial institutions from pre-application to loan repayment; examines the SME sector and barriers to finance, as well as the risks in lending to the SME sector as perceived by financial institutions; addresses SMEs’ internal assessment of financial needs, determining the right financing instruments, and finding the appropriate lenders and service providers; discusses how to approach and negotiate with banks; tackles cash flow and risk management issues; includes examples of real-life business plans and loan requests; includes bibliography (p. 134). Descriptors: Trade Financing, Export Financing, Export Credit, Risk Management, SMEs, Manuals. English ITC, Palais des Nations, 1211 Geneva 10, Switzerland The designations employed and the presentation of material in this publication do not imply the expression of any opinion whatsoever on the part of the International Trade Centre concerning the legal status of any country, territory, city or area or of its authorities, or concerning the delimitation of...
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...\ FACTORS AFFECTING THE PERFORMANCE OF WOMEN ENTREPRENEURS IN MICRO AND SMALL ENTERPRISES (THE CASE OF DESSIE TOWN) BY MULUGETA CHANE WUBE BAHIR DAR UNIVERSITY AUGUST, 2010 FACTORS AFFECTING THE PERFORMANCE OF WOMEN ENTREPRENEURS IN MICRO AND SMALL ENTERPRISES (THE CASE OF DESSIE TOWN) A Thesis Presented in Partial Fulfillment of the Requirements for Degree of Master of Arts in Technical and Vocational Education Management By Mulugeta Chane Wube BAHIR DAR UNIVERSITY FACULTY OF EDUCATION AND BEHAVIORAL SCIENCES DEPARTMENT OF EDUCATIONAL PLANNING AND MANAGEMENT AUGUST 2010 BAHIRDAR UNIVERSITY DEPARTMENT OF EDUCATIONAL PLANNING AND MANAGEMENT FACTORS AFFECTING THE PERFORMANCE OF WOMEN ENTREPRENEURS IN MICRO AND SMALL ENTERPREISES IN DESSIE TOWN Approval of Board of Examiners ___________________________ _____________ ________________ Chair person, department Graduate committee Date Signature ___________________________ Advisor _____________ Date ________________ Signature ___________________________ Internal examiner _____________ Date ________________ Signature ___________________________ External examiner _____________ Date ________________ Signature ACKNOWLEDGMENT This work comes in to end not only by the effort of the researcher but also the support of many individuals and organizations. To begin with, I would like to thank Ato Adane Tesera, my advisor, for his constructive suggestions throughout my work. Had it been without his support, this...
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...Consumer Information Guide 2015–2016 August 2015 Table of Contents Consumer Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 About University of Phoenix . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Accreditation, Licensures, Reviews and Approvals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Federal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Regional Accreditation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 State and International Licensures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Program Accreditation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 School of Business/Business Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 College of Health Professions: School of Nursing . . . . . . . . . . . . . . . . . . . . . . . ...
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...M U M BA I S I L I C O N VA L L E Y BA N G A LO RE S I N G A P O RE M U M BA I B KC NEW DELHI MUNICH N E W YO RK Start – Ups: What You Need To Know April 2016 © Copyright 2016 Nishith Desai Associates www.nishithdesai.com Provided upon request only © Nishith Desai Associates 2016 Start – Ups: What You Need To Know About NDA Nishith Desai Associates (NDA) is a research based international law firm with offices in Mumbai, Bangalore, Silicon Valley, Singapore, New Delhi, Munich & New York. We specialize in strategic legal, regulatory and tax advice coupled with industry expertise in an integrated manner. We focus on niche areas in which we provide significant value and are invariably involved in select highly complex, innovative transactions. Our key clients include marquee repeat Fortune 500 clientele. Our practice areas include Mergers & Acquisitions, Private Equity Investments, Corporate & Securities Law, Competition Law, JVs & Restructuring, International Tax, International Tax Litigation, Litigation & Dispute Resolution, Fund Formation, Capital Markets, Employment and HR, Intellectual Property, International Commercial Law and Private Client. Our specialized industry niches include funds, financial services, insurance, IT and telecom, pharma and healthcare, media and entertainment, real estate and infrastructure & education. Nishith Desai Associates has been ranked as the Most Innovative Indian Law Firm (2014 & 2015)...
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