...Buyers today have less home loan choices compared to what they had in previous times. Nonetheless, for people who have worked in the armed forces, a VA mortgage continues to be the best way to buy a house. As opposed to conforming and perhaps FHA loans, veterans mortgage loans let home buyers lacking down money in the bank, let alone a not so high credit score, obtain a home without the need for money down. This can help make home ownership a real possibility for those who put their lives on the line to protect our country. There are some rewards in getting a VA home loan, but it's vital that you know the requirements prior to you submit your application. Benefits In addition to the low or zero down payment for a VA home loan, there are some added pros which may make this a more appealing option if you qualify for this loan program. The FHA loan program provide similar interest rates. Traditional mortgage loans are a fantastic alternative also. Unfortunately, should you not have 20 percent to use as a down payment when you close on your home loan, you will need to pay private mortgage insurance until your balance hits less than 80 percent of the home's worth. With VA home loans, there is no PMI, whether or not you put money down or take advantage of the no down payment alternative....
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...create a product or service and develop it into a business. As with anything, a business partnership has it’s pros and cons but there are also two types of partnerships, General and Limited. A General Partnership is subject to partnership agreement; all partners have equal rights in the management of the partnership. The Pros of General is that the partnership may designate particular partners with particular skills to make decisions in that area and reserve the more important decisions to the partnership as a whole. Cons to consider is that each partner has rights in management and may contractually bind the partnership. Each partner is responsible for the contracts that the other partners execute and the liabilities that they incur. The possibility of disagreement and deadlock exists. The other partnership is Limited. In a Limited Partnership at least one general partner is responsible for the management of the partnership. A limited partner may not participate in the management of the business or the limited partner runs the risk of becoming personally liable for the debts and obligations of the limited partnership. Pros to this partnership include that a general partner may vote on matters related to the business of the partnership provided such matters are subject to the approval of the limited partners. This also must be spelled out in the agreement. Cons are that an individual may be reluctant to invest in this partnership because of the limits on participation...
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...xúc của toàn xã hội với hệ lụy của nó là việc người nghiện tham gia trộm cắp, giết người, cướp của, rơi vào các rối loạn tâm thần như suy nhược, rối loạn giấc ngủ, trầm cảm, lo âu, tự tử... Vì là một vấn đề mới của xã hội hiện đại nên nghiện Internet - game online còn đang là một vấn đề gây tranh cãi đối với nhiều nhà nghiên cứu trên khắp thế giới. Nhiều nhà nghiên cứu cho rằng nghiện Internet - game online là một rối loạn được chẩn đoán, điều trị và cần thiết phải nghiên cứu để xây dựng hệ thống lý luận cũng như đưa vấn đề này vào trong Bảng phân loại bệnh tật về tâm thần. Nhiều nhà nghiên cứu khác lại phải đối và từ chối nghiện Internet - game online như một tiêu chuẩn chẩn đoán. Tại Việt Nam, tình trạng thanh thiếu niên nghiện game online - Internet ngày càng nhiều. Tuy nhiên, chưa có nghiên cứu nào đánh giá được một cách đầy đủ và sâu sắc cho vấn đề này. Qua 3 trường hợp lâm sàng được tác giả trình bày thể hiện rất rõ các triệu chứng, một số nguyên nhân dẫn tới tình trạng nghiện game online - Internet ở thanh thiếu niên ở Việt Nam. Tuy nhiên, đây mới chỉ là vấn đề thực hành lâm sàng, vì thế các trình bày còn ở mức nhỏ lẻ và chưa mang tính khái quát. Từ đó, tác giả đề nghị cần nghiên cứu sâu hơn về nghiện game online - Internet như một tình trạng bệnh lý với lý luận chẩn đoán và điều trị, dịch tễ một cách cụ thể hơn. 1. Đặt vấn đề. Nghiện Internet nói chung và nghiện game online nói riêng đang là vấn đề bức xúc của xã hội hiện nay, khi mà các dịch vụ Internet, các trò chơi...
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...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 do most sellers require a twenty percent down payment on the home, there are closing costs, loan fees, title fees, and many other costs that I would have to...
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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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...Enterprises. For tax policy should define equality between domestic service with service by foreign companies perform as VAT, import duty, … It should have clear policies and encourage oil and gas activities in the deep water offshore exploration and exploitation of natural gas ... tax policy should be adjusted based on the refinery and in the planning to compete with imported products, policies for gas and electricity prices should approach the market mechanism. Have appropriate policies related to arrange key capital projects through: Grant, loan guarantee and ensure currency converter to facilitate in arranging loans for major projects the state level, support preferential loans from the Development Bank minimum of 20% to 30% of total investment projects focus on oil and gas.(Pvcfc.vn, 2014) Evaluation Obviously, to develop gas and oil industry, it is important to fully invest in all areas however, all of those solutions have pros and cons themselves. All of the above mentioned solutions usually take long time and a lot of money to consider, improve and implement, especially investing in technologies and human resources. However, once those two are on set, they will have a great impact on this industry. Besides that, probably they do not take as much time as changing the country’s policy since it is much harder to change the whole country’s system. Finally, maybe gas and oil industry should go with technologies first since it is mandatory for such an industry. Regarding to human...
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...| Affordable Care Act | What is in store for the future? | Caitlin Dulon 6-14-2015 | According to Medicaid.gov “The Affordable Care Act was passed by Congress and then signed into law by the President on March 23, 2010. On June 28, 2012 the Supreme Court rendered a final decision to uphold the health care law.” (P. 1) the affordable care act brought about a lot of changes to the way American’s were able to get health Insurance. Many American’s could not afford health insurance even though they were working jobs, or their place of employment did not offer insurance benefits. After the Affordable Care Act was put in place American’s had a place to get health coverage no matter what their current situation was. According to Medicaid.gov “The Affordable Care Act actually refers to two separate pieces of legislation — the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of that, together expand Medicaid coverage to millions of low-income Americans and makes numerous improvements to both Medicaid and the Children's Health Insurance Program (CHIP).” (P.1) The Affordable Care Act has given many low-income families the chance to have health insurance and be able to afford this insurance. These families are now able to get the preventative care that they need and be able to try and stay healthy so that they do not burden the United States with more medical bills they are unable to pay. But, even though they have insurance many...
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...Risk Assessment of Pursuing a Second Masters Degree Introduction Like the saying goes, life itself is risk and not to risk is not to live. With that said this paper will give a description of the risks I faced when I made a decision to go back to school for a second masters degree, how these risks ranked and how they were monitored. A decision to earn a second masters degree is considered a project and the need to utilize project management tool to help identify the risk that could occur with such a decision surfaced. Adopting the project management tool revealed various risks like, will a career change be beneficial upon graduation? Can I afford the monetary investment of paying the tuition? What about my family? My kids? Will I have enough time to do their homework with them or take them to after school activities? The decision of going back to school and the risk management process associated with the decision will be explored below. Project Objective For purpose of clarity, my project objective is taking the necessary step needed that to enhance my marketability and get a job that commensurate with my educational qualification. My past field of study only attracted jobs I am not content with, hence the need to change career and move up the ladder in a more rewarding and fulfilling field. Risk Identification The first step as a stakeholder was to know I am risk tolerant which informed me of the appropriate resources I will need for this project therefore leaving...
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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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...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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...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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...Tarea 5 * Tarea 6 * Tarea 7 * Tarea 8 V. Bibliografía Presentación Este documento describe cada una de las tareas del curso y te ayudan a tener en cuenta los criterios para su elaboración, las formas de evaluarlas, así como las políticas que rigen para ellas y para todo el curso. Es importante que lo leas y una vez leído, respondas en el foro de discusión las preguntas.(Foro 0) Preguntas sobre el Programa del curso y del libro de tareas Objetivos de las tareas individuales Cada una de las cuatro tareas analíticas del curso tiene la finalidad de aplicar los elementos teóricos analizados en cada uno de los temas que integran el contenido del curso. Son oportunidades para poner en práctica distintas competencias relacionadas con la reflexión ética del sentido de la responsabilidad. Las tareas en el foro ayudan a introducir los temas, o bien a compenetrarse en ellos. Ambas tareas son necesarias para el aprendizaje. Tareas en el Foro...
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...Chiến lược marketing toàn cầu GVHD: Th.S Quách Thị Bửu Châu MỤC LỤC MỤC LỤC .............................................................................................................. 2 LỜI MỞ ĐẦU ........................................................................................................ 3 CHƢƠNG I : TỔNG QUAN VỀ TẬP ĐOÀN L’ORÉAL ................................... 4 I/ Tập đoàn L’Oreal .......................................................................................... 5 II/ Giá trị thương hiệu........................................................................................ 6 III/ Chiến lược kinh doanh quốc tế của L’Oréal .................................................. 7 CHƢƠNG II: L’ORÉAL TẠI TRUNG QUỐC ................................................... 9 I/ Chiến lược xâm nhập thị trường Trung Quốc của L’Oréal ............................ 10 II/ Chiến lược marketing quốc tế của L’Oréal................................................... 11 1/ Chiến lược sản phẩm............................................................................... 12 2/ Chiến lược giá......................................................................................... 14 3/ Chiến lược phân phối .............................................................................. 15 4/ Chiến lược chiêu thị ................................................................................ 16 CHƢƠNG III: L’ORÉAL TẠI VƢƠNG QUỐC ANH .....................................
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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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...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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