...Consumer and commercial credit management By Robert Hartzell Cole Loan Portfolio Management - OCC of understanding or poor communications between credit management and ... commercial, real estate, consumer, international, and health care). Limits may also be placed on individual loan products within a loan category. For example, although a www.occ.gov/publications/publications-by-type/... S -B R Mind Your Commercial Credit Score Mind Your Commercial Credit Score By Cyndia Zwahlen TSpecial to The Times ... based powerhouse of consumer credit reporting. ... company’s commercial credit data as a risk-management tool. “The information availability, www.experian.com/small_business/pdf/la_times_reprint.pdf Job profile: Credit Risk - Directions If working in retail and commercial banking, the School of Finance ifs Professional Certificate in Banking covers aspects of credit and risk, including modules in the Principles of Lending and Credit and Consumer Credit Risk Management. www.directions.org.uk/media/job_profile_pdf/Credit-Risk.pdf Product Full Service Credit An Integrated, Full-Service ... An Integrated, Full-Service Credit Card Management Solution that Uses a Globally Recognized Processing Platform ... • Consumer • Commercial (business and corporate) • Commercial lines of credit • Installment loans • Co-branded cards www.cardsolutions.fiserv.com/.../Full%20Service%20Credit.pdf Understanding Your Credit Reports - Springboard Debt ... 1 ©2013 Springboard Nonprofit...
Words: 1242 - Pages: 5
...Transparency and IT Governance James Anthony Quilty Keller Graduate School of Management May 16, 2010 SE592ON_A – IT Governance MAY10 – Sec A Professor William Uminowicz Transparency and IT Governance I. Table of Contents…………………………………………………………2 II. Why Transparency?.…...………………………………………………...3 III. Transparencies relation to IT Governance..……………………………3 IV. COBIT Framework Provides for Internal Audit and Corrective Action……………………………………………………………………..4 V. Summary..………………………………………………………………...4 VI. References………………………………………………………………...5 II. Why Transparency? Due to many of the scandals that have arisen in recent years; Enron, AOL Time Warner, Adelphia Communications and other corporations according to Forbes (2002, Patsuris). Due to these scandals, the United States government stepped in and started making regulatory changes such as disclosure requirements and better detailed reporting of off-balance sheet financing. If any of these reports are found to be purposely misreported then penalties to the executives will be ensued. This why it is important for transparency to be a part of the IT governance. So, Sarbanes_Oxley (Sox) was adopted for all companies to comply with a standard (2007, Hermalin & Weisbach). III. Transparencies relation to IT Governance Transparency within the IT Governance creates a standard where everyone involved can participate on any given project and obtain a higher level of competency. Transparency can...
Words: 701 - Pages: 3
...deserves an even playing field. Social justice generally refers to the idea of creating a society or institution that is based on the principles of equality and solidarity, that understands and values human rights, and that recognizes the dignity of every human being.The term and modern concept of "social justice" was coined by the Jesuit Luigi Taparelli in 1840 based on the teachings of St. Thomas Aquinas and given further exposure in 1848 by Antonio Rosmini-Serbati. The idea was elaborated by the moral theologian John A. Ryan, who initiated the concept of a living wage. Father Coughlin also used the term in his publications in the 1930s and the 1940s. It is a part of Catholic social teaching, Social Gospel from Episcopalians and is one of the Four Pillars of the Green Party upheld by green parties worldwide. Social justice as a secular concept, distinct from religious teachings, emerged mainly in the late twentieth century, influenced primarily by philosopher John Rawls. Some tenets of social justice have been adopted by those on the left of the political spectrum. Social justice is based on the concepts of human rights and equality and involves a greater degree of economic egalitarianism through progressive taxation, income redistribution, or even property redistribution. These policies aim to achieve what developmental economists refer to as more equality of opportunity than may currently exist in some societies, and to manufacture equality of outcome in cases where incidental...
Words: 1355 - Pages: 6
...John Holbrook Step by Step Installation of a Secure Linux Web, DNS and Mail Server Feb 10, 2004 GIAC GSEC Practical – Version 1.4b, Option 1 Key fingerprint = AF19 FA27 2F94 998D FDB5 DE3D F8B5 06E4 A169 4E46. 1 Table of Contents Abstract................................. Introduction.........................................................................................................................4 Current Setup..................................................................................................................4 Reasons for new install ..................................................................................................4 Sudo...............................................................................................................................5 Security Comparison of Redhat 9.0 and Openna 1.0..........................................................7 Default Installed Services...............................................................................................7 Configuration Notes............................................................................................................8 The New Setup...............................................................................................................8 Layers of Protection........................................................................................................9 Verifying Integrity of Downloaded Files.................................
Words: 16169 - Pages: 65
...emphasizes the development of the patriotic identity, which is embodied in the hearts of the Americans to this day. This text follows the uprising of the inevitable civil revolution which sparked the American war of independence. With a historical analysis from the Mayflower voyage to the declaration of independence, will the very roots of American identity be displayed, with the addition of the European influence of the age of the enlightenment. Examples from historical documents will support the analysis and ultimately the overall conclusion. Indholdsfortegnelse Prolog……………………………………………………………………………………………………1 Verdensbilledet anno 1620…………….……………………………………………………………..2 Inspirationen fra Europa……………………………………………………………………………....4 John Locke……………………………………………………………………………………5 Warren og Brandeis………………………………………………………………………… 8 Krig og den bekostninger………...……………………………………………………………………9 Modstanden mod skatter…………………………………………………………………………….12 Benjamin Franklin og afgifter………...…………………………………………………...13 Uafhængighedserklæringen…………………………………………………………………………16 Retorisk analyse af Uafhængighedserklæringen..……………………………………...17 Diskussion……………………………………………………………………………………………. 21 Konklusion…………………………………………………………………………………………….22 Litteraturliste…………………………………………………………………………………………..23 Prolog Hvis man hævder at de engelske kolonister i de amerikanske kolonier definerede sig som et selvstændigt folk, og ikke som englændere, bør...
Words: 6250 - Pages: 25
...countries of the world relating to the utilization of the cyberspace/internet from shores of California, to the shores of foreign countries of China, Europe, India, was signed by their respective Plenipotentiaries in Washington on June 4, 2005, and a protocol supplementary to the said treaty was signed by their respective Plenipotentiaries in Washington on December 11, 2005, the originals of which treaty and protocol, in the English and other foreign languages, are word for word as follows: The Government of the United States of America and the Government of the Foreign countries: animated by the sincere spirit of invigorate and friendly cooperation which happily governs the relations between them; taking into account the fact that Articles VI and VII of the Treaty of Peace, Friendship and Limits between the United States of America and the Foreign countries signed at Washington on June 4, 2005, and Article IV of the boundary treaty between the all countries signed at the White House December 30, 2005 regulate the utilization of the cyberspace/internet from...
Words: 1005 - Pages: 5
...HOW LAWSUITS FILED AGAINST PUBLIX CAN AFFECT EMPLOYEE MOTIVATION Introduction Publix is the sixth largest supermarket chain in the United States and the largest employee-owned supermarket chain in the country, it is a privately-held company which operates stores in Florida, Georgia, South Carolina, Alabama and Tennessee. This supermarket chain was founded by George W. Jenkins in 1930 in Winter Haven, Florida, and currently operates 1073 supermarkets, 8 distribution centers and 5 manufacturing facility employing in excess of 162,000 employees. (figure 1.) Store Locations * Florida - 755 * Georgia - 180 * Alabama - 55 * South Carolina - 48 * Tennessee - 35 | Distribution Centers * Boynton Beach, FL * Miami, FL * Deerfield Beach, FL * Orlando, FL * Jacksonville, FL * Sarasota, FL * Lakeland, FL * Lawrenceville, GA | Manufacturing Facilities * Atlanta, GA - Bakery Plant * Deerfield Beach, FL - Dairy Plant, Fresh Foods * Jacksonville, FL - Fresh Foods * Lakeland, FL - Bakery Plant, Dairy Plant, Deli Kitchen, Fresh Foods, and Printing Services * Lawrenceville, GA - Dairy Plant | Publix Supermarket’s sales in 2012 were $27.5 billion this represented increase of 3.8 percent over 2011 sales and placed net earnings $1.6 billion, up 4% from 2011. Publix’s sales for the first half of 2013 were $14.5 billion, a 5 percent increase from last year’s $13.9 billion. In pursuit of achieving its mission statement “Our Mission at Publix is to be...
Words: 2879 - Pages: 12
...College of Distance Education NAVAL WAR COLLEGE Newport, R.I. IT’S ABOUT TIME THAT THE DEPARTMENT OF DEFENSE IMPLEMENTED MANDATORY FOREIGN LANGUAGE TRAINING FOR ALL MEMBERS By Samuel W. Bettwy Lieutenant Colonel, Judge Advocate, U.S. Army Reserve A paper submitted to the Faculty of the Naval War College in partial satisfaction of the requirements of the Department of Joint Military Operations. The contents of this paper reflect my own personal views and are not necessarily endorsed by the Naval War College or the Department of the Navy. Signature: s/ Samuel W. Bettwy 28 January 2013 _______________________________ John F. Sussilleaux, Professor INTRODUCTION It is generally recognized that future U.S. military operations will be multinational. As the Naval War College instructs: “There is no reason to believe American military forces will ever undertake a major operation alone without some other nations participating.”[i] As the Army states in its field manual on Training for Full Spectrum Operations, leaders must prepare to operate at the tactical level in operations involving multinational forces.[ii] And as Joint Publication 3-16 states, “US forces cannot assume that the predominant language will automatically be English”[iii] in coalition operations. Recognizing that multinational operations are the inevitable way of the future, the Department of Defense (DOD) acknowledges...
Words: 3586 - Pages: 15
...CAP-AND-TRADE: MAXIMIZING THE WATER OFFSET MARKET By Philip Ouellette A Capstone Paper Submitted to the Faculty of Norwich University in Partial Fulfillment of the Requirements Degree of Master of Public Administration June 2011 Table of Contents Part 1: Florida Water Policy Historical reference. pg. 4 Water policy challenge. pg. 5 Legal primacy. pg. 6 Water policy considerations. pg. 9 Part 2: Public Interest Concerning Alternative Water Sources Credible water sources. pg. 12 Salt water desalination. pg. 13 Brackish surface/ground water. pg. 13 Reclamation water. pg. 15 Demand management. pg. 16 Part 3: Public interest the economic driver Offset water regulation. pg. 20 Central leadership. pg. 23 Conclusion pg. 24 Thesis The question is; if Florida water management districts are not able to shift water resources between districts based on statutory authority then regional oversight must be incorporated to meet future water demand. Part 1: Florida Water Policy Historical Reference In 1955 Florida established its first water policy with the passage of the Water Resources Act of 1957(SJRWMD, 1957). This led to the development of Florida’s Water Model Code that granted five water management districts authority to manage water resources in the State of Florida. When the Florida Resources Act of 1972 was enacted, the water management districts inherited a...
Words: 7713 - Pages: 31
...Abstract Richard Grube, an athletically inclined senior at Freedom High School in the Bethlehem Area School District, played football his freshman, sophomore, and junior years. Prior to the start of the football season in his senior year, the district claimed Richard was ineligible to play on the basis that Richard only had one kidney. Richard and his family filed a preliminary injunction against the school district claiming the district violated Section 504 of the Rehabilitation Act of 1973. (Grube v Bethlehem, 1982) According to the United States Department of Education (2011), Section 504 states that, “no otherwise qualified handicapped individual in the United States shall, solely by reason of his handicap, be excluded from the participation in…any program or activity receiving federal financial assistance”. As a result, the court ruled in favor of Richard Grube. Case and Law Review Richard Wallace Grube et al. v. Bethlehem Area School District Legal Research In 1982, Richard Grube, a senior at Freedom High School was declared ineligible to play football because he only had one kidney. Richard and his family filed a preliminary injunction based on Section 504 of the Rehabilitation Act of 1973. According to the U.S. Department of Education, Section 504 of the Rehabilitation Act of 1973 states that, no otherwise qualified handicapped individual in the United States shall, solely by reason of his handicap, be excluded from the participation in, be denied the benefits...
Words: 1581 - Pages: 7
...kinh doanh an toàn hơn rủi ro nhận thức rõ hơn. Kế hoạch này bao gồm một loạt các sự kiện quan trọng 2012-2014, bạn có thể theo dõi sự tiến bộ của chúng ta chống lại những cái này trong Báo cáo thường niên và Mẫu 20-F 2013 . 1 | Một không ngừng tập trung vào an toàn và quản lý rủi ro thông qua việc áp dụng hệ thống tiêu chuẩn toàn cầu. | 6 | Quản lý danh mục đầu tư để tiếp tục hoạt động bằng cách hoàn thành $ 38000000000 của thanh lý trong vòng bốn năm tới cuối năm 2013, để tập trung vào thế mạnh của chúng tôi. | 2 | Chúng tôi sẽ chơi với thế mạnh của chúng tôi trong việc thăm dò, nước sâu, các trường khổng lồ và chuỗi giá trị khí. | 7 | Chúng tôi hy vọng sẽ mang lại cho các dự án thượng nguồn mới vào hoạt động với lợi nhuận tiền mặt đơn vị...
Words: 1631 - Pages: 7
...Conflicting Federal and State Medical Marijuana Policies: A Threat to Cooperative Federalism Todd Grabarsky* Abstract The legal status of medical marijuana in the United States is something of a paradox. On one hand, federal government has placed a ban on the drug with no exceptions. On the other hand, over one-third of the states have that legalizes the cultivation, distribution, and consumption of the drug for medical purposes. As such, the usage of medical marijuana is an activity that is at the same time proscribed (by the federal government) and encouraged (by state governments through their systems of regulation and taxation). This Article seeks to shed light on this unprecedented nebulous zone of legality in which an activity is both legal and illegal, an issue that one scholar on the subject has deemed “one of the most important federalism disputes in a generation.” The issue has become heightened as two states have legalized marijuana for recreational (non-medical) purposes as a result of recent 2012 Election. This Article examines the issue from a federalism perspective. It begins by arguing that unpredictable enforcement by federal authorities in states that have legalized medical marijuana not only threatens state drug policy, but also the efficacy of federal enforcement. This argument is based on the premise that the federal drug ban exists as a cooperation between the states and the federal government. That the federal government relies on the assistance...
Words: 14241 - Pages: 57
...CHAPTER I INTRODUCTION As part of the integration of today’s technology, emergence of innovative trends arises too. Many factors in developing effective and efficient software applications takes place according to their functions, usage and purposes. That’s the main reason why different software development organizations are looking forward in the integration of that said field. The CECS curriculum application was first developed by the current students of Batangas State University whose aim is for the ease of access in giving information for every individual especially the population of the CECS department within the univsersity. The concept was initiated as part of their project in software engeneering. The study accentuate for the essential methodology in using computers in an ideal purpose of educating people. The objectives of an android application is to help the students easily view the curriculum of of the CECS deparment without the effort of going to the registrar’s office. PROCESS DOCUMENTATION PLANS AND SCHEDULES 1. Statement of the Problem The proposed android application entitled CECS curriculum application aims to give portability of users in accessing the department’s curriculum which is the CECS department in accessing the curriculum instead of still going to the registrar’s office to accomplish the said task. 1. Detailed Statement of the Problem The original version of viewing the CECS...
Words: 3159 - Pages: 13
...To what degree does our knowledge of personnel practices in the UK indicate there has been a transformational shift in the way that personnel practices are a source of the 'new competitive advantage? Introduction: Understanding employees’ practices is necessary both for company proprietors and for personnel within a human resources unit. The individuals in a corporation are too vital for its achievement. Personnel practices, now usually regarded as function of human resource department, involve several components that are important for the accomplishment of any business (Understanding Personnel Practices). Today, in the light of emerging new knowledge-based economy, it is important to revisit how far UK has succeeded in transforming its highly-efficient management expertise to acquire new competitive advantages; their direction and trends will have vital implications for future with fiercely competitive global environment and current economic recession that started from 2007. Today, service sector in UK contributes around 75 percent of its GDP. In particular, its banking, insurance, and business services dominate, requiring high-skilled management professionals. The contribution of UK industry and manufacturing to GDP has declined over the years, which in 2008 was 22.8 percent. Both manufacturing and energy are in long-term decline. (Economy Watch) Not surprisingly, throughout this shift towards service sector, there has been a rise in the role of relatively new...
Words: 2782 - Pages: 12
...Professor David Shepherd Imperial College Business School MSc Management Word Count: 2495 10th November 2011 “The common theme for why all these commodity prices are higher is the substantial increase in fund flow into these markets, which are not big enough to withstand the increase in funds without pushing up prices” By Kevin Morrison, Journalist for the Financial Times April 9, 2006 Table of Contents i. Introduction 1 ii. Movements in food prices 1 iii. Structure of the food market 8 iv. Government Intervention in the Food Market 10 a. Tariffs and Quotas 10 b. Subsidies and Export Taxes 11 c. Price Support Mechanisms 13 v. Forecast of food prices evolution over the next 20 years 16 vi. Bibliography 21 Introduction The aim of this paper is to analyse the various factors that have contributed not only to rise of food prices over the last two decades, ending the trend of falling food prices#, but also how the structure of the food commodity market and government intervention have contributed to price spikes and generally increasing food commodity prices. The paper will conclude with a forecast of long-term food prices and the factors that will contribute to a continued increase or fall in food commodity prices. Movements in food prices The global food market is described as competitive, allowing us to apply a demand and supply analysis in order to explain the short term and long term movements in food prices...
Words: 3902 - Pages: 16
