...Financial Management Submitted by Juatco, Martian Lanz Gary A. Mingaracal, Alvin M. Pediengco, Alelie Krizza D. Perey, Christine Mae R. Summer S.Y. 2014- 2015 CHAPTER I The Problem and Its Background Introduction Pawnshops are in the business of lending money on the security of pledged goods left in pawn, or in the business of purchasing tangible personal property to be left in pawn on the condition that it may be redeemed or repurchased by the seller for a fixed price within a fixed period of time. A "pawn transaction" does not include the pledge to, or the purchase by, a pawnbroker of real or personal property from a customer followed by the sale or the leasing of that property back to the customer in the same or a related transaction (definitions.uslegal). State and local laws regulate pawnshops. Pawnshops may be required to be licensed and regulations often require certain standards of record keeping and pawnshop fees charges to be followed. Regulations may require a minimum age of persons seeking to pawn items and may prevent the offering of insurance for pawned items. Pawnshops may also be required to consult police reports of stolen items to verify ownership of pawned items. State statutes vary, but typically, if your stolen property is found in a pawnshop you may decide to purchase it back or obtain a court order to recover the property. In order to regulate the operation of pawnshops and all their existing laws, rules and regulations...
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...that Indians are very bad at spending the money wisely. The author showed us this stereotypes when he said, “I sold five in one hour, dumped the other forty-five in a garbage can, and walked into McDonald’s, ordered four cheeseburgers for a dollar each”(Alexie). In this situation, Jackson Jackson had just made money by selling news papers but instead of keeping that money and saving up for his grandmother's regalia he spent it on food. This example supports my analysis because, basically after having only sold five newspapers Jackson gave up and then wasted the money on food when he should of kept it for the regalia. This shows us that in fact Indians aren't good with money....
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...by: Leira Susana Arceo Escala Charmaine Santos Tesalona Mariel Navata Nieto John Michael Temporal Soria Ralf Louise Sauro Vico Submitted to: Dr. Carolina D. Ditan Table of Contents Title Page Acknowledgement List of Tables List of figures Chapter I Introduction Background of the study Theoretical Framework Research Paradigm Statement of the Problem Hypotheses of the Study Significance of the Study Scope and Delimitations Definition of Terms Chapter II Review of Related Literature Foreign Literature and Studies Local Literature and Studies Chapter III Research Methodology Research Design Sampling Design Research Instrument Data Gathering Procedure Statistical Treatment Chapter IV Presentation, Interpretation and Analysis of Data Chapter V Conclusion and Recommendations Summary Conclusion Recommendation Bibliography Appendix Appendix I. Letter to the respondents Appendix II-A. Questionnaire for customers Appendix II-B. Questionnaire for employee/staff Appendix III. Vicinity Map Acknowledgement We would like to thank our beloved Dr. Carolina D. Ditan, Dr. Emma Guno, and Dr. Mendoza. To them we will always be grateful. Their...
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...institutions including loans, consignments, and storage. A good pawn broker buys items for a reasonable price and sells them at a discount. The pawn industry is about making money, and that means repeat business and reasonable dealings. A good pawnshop will carry a variety of items including jewelry, tools, antiques, furniture, knives, guns, crossbows, camping gear, and everything and anything you could imagine being of value and sellable. Some pawn shops even buy and sell cars, motorcycles, and aircraft. In the Philippines Pawnshop Operation is guided/ covered by Presidential Decree No. 114 Sec. 1-2 as: This decree may be cited as the Pawnshop Regulation Act, which stipulated according to that: “ It is hereby declared the policy of the State to regulate the establishment of pawnshops and to place their operation on a sound and stable basis to derive the optimum advantages from them as an additional source of credit; to prevent and mitigate, as far as practicable, practices prejudicial to public interest; and to lay down the minimum requirements and standards under which they may be established and do business...” The word "pawn" comes from the Latin word "pignus," which means to pledge. When someone has an item of worth on which they would like to receive a monetary loan, they take that item to a broker who receives it as a pledge (aka collateral or pawn) in exchange for money. A pawn shop serves as that kind of broker. Pawn shops have existed since ancient times, and are arguably...
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... | |Thursday, January 16th | |In class we’ll read the poem, “My Papa’s Waltz” by Roethke (274), practice textual analysis, and work on an | | | |outline. | | | |Homework: Pg. 276, questions 14-16, and “making an argument” 4; | | | |Read the poem, “Those Winter Sundays” by Hayden (13) and answer | | | |questions 1-6. | | | | | |Tuesday, January 21st | |In class we’ll re-read the poem, “Those Winter Sundays” by Hayden, look at an earlier draft, practice textual | | | |analysis, and work on an outline. | | | |Homework: choose one line from either poem that connects...
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...2012-2013 PAWNSHOPS AND BEHAVIORAL ECONOMICS 193 PAWNSHOPS, BEHAVIORAL ECONOMICS, AND SELF-REGULATION SUSAN PAYNE CARTER* AND PAIGE MARTA SKIBA** I. Introduction Pawnbroking is the oldest source of credit.1 There is growing public interest in day-to-day pawnbroking operations, as evidenced by the popularity of reality shows such as “Pawn Stars” and “Hardcore Pawn.”2 Television viewers’ curiosity about an old credit institution may be due to the fact that 7% of all U.S. households have used pawn credit.3 Although pawnshops predate biblical times, researchers know surprisingly little about this ancient form of banking and its customers.4 We fill this gap by documenting detailed information on pawnshop loan repayment and default, and by discussing how pawnshop borrowers’ behavior is consistent with various behavioral economics phenomena. Pawnshop loans are small, short-term, collateralized loans typically used by low-income consumers. The borrower leaves a possession, or “pledge,” as collateral in exchange for a loan, typically of $75–$100.5 Interest rates vary by state and range from 2 Assistant Professor, Office of Economic and Manpower Analysis, United States Military Academy. susan.carter@usma.edu. The views expressed in this paper do not necessarily represent those of the United States Military Academy, the United States Army, or the Department of Defense. ** Associate Professor of Law, Vanderbilt University...
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...2012-2013 PAWNSHOPS AND BEHAVIORAL ECONOMICS 193 PAWNSHOPS, BEHAVIORAL ECONOMICS, AND SELF-REGULATION SUSAN PAYNE CARTER* AND PAIGE MARTA SKIBA** I. Introduction Pawnbroking is the oldest source of credit.1 There is growing public interest in day-to-day pawnbroking operations, as evidenced by the popularity of reality shows such as “Pawn Stars” and “Hardcore Pawn.”2 Television viewers’ curiosity about an old credit institution may be due to the fact that 7% of all U.S. households have used pawn credit.3 Although pawnshops predate biblical times, researchers know surprisingly little about this ancient form of banking and its customers.4 We fill this gap by documenting detailed information on pawnshop loan repayment and default, and by discussing how pawnshop borrowers’ behavior is consistent with various behavioral economics phenomena. Pawnshop loans are small, short-term, collateralized loans typically used by low-income consumers. The borrower leaves a possession, or “pledge,” as collateral in exchange for a loan, typically of $75–$100.5 Interest rates vary by state and range from 2 Assistant Professor, Office of Economic and Manpower Analysis, United States Military Academy. susan.carter@usma.edu. The views expressed in this paper do not necessarily represent those of the United States Military Academy, the United States Army, or the Department of Defense. ** Associate Professor of Law, Vanderbilt University...
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...Helping the Poor Helping the Poor Friendly visiting, dole charities and dole queues Robert Whelan based on research by Barendina Smedley Civitas: Institute for the Study of Civil Society London First published October 2001 © The Institute for the Study of Civil Society 2001 The Mezzanine, Elizabeth House 39 York Road, London SE1 7NQ email: books@civitas.org.uk All rights reserved ISBN 1-903 386-16-0 Typeset by Civitas in New Century Schoolbook Printed in Great Britain by St Edmundsbury Press Bury St Edmunds, Suffolk Contents Acknowledgements Authors vi viii Introduction: Hand-outs and Leg-ups Section 1: The Visiting Charity The Charity Organisation Society 1. The Organisation of Charity 2. Preaching the ‘Gospel of Social Reform’ in West London 3. The Fulham and Hammersmith Committee and Its Cases Section 2: The Dole Charity The Mansion House Fund 4. From West End to East End 5. Lord Mayor Aid 6. The Aftermath 7. Moralities and Mathematics Appendices Appendix 1 Applications for Relief Received by the Fulham and Hammersmith District Committee of the COS, November 1879 - October 1880 Appendix 2 The 27 Extant Fulham and Hammersmith Casebooks Appendix 3 The Charity Organisation Society by Miss Octavia Hill Notes Index 1 9 24 39 51 59 85 90 99 137 164 166 182 v Acknowledgements This book has been made possible by a generous grant from the Wincott Foundation. The author would like to express his thanks to the trustees. The research...
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...i The Poor and Their Money An essay about financial services for poor people Stuart Rutherford Institute for Development Policy and Management University of Manchester January 1999 The Department for International Development will be publishing this work in New Delhi during 1999. For further information contact Sukhwinder Arora at the Department for International Development, New Delhi, India. ii PREFACE Over the last 15 years initiatives to provide financial services to poor people (the ‘microfinance industry’) have come on by leaps and bounds in terms of size and reputation. Despite this, the industry is still only in its adolescence and our understanding of why and how poor and very poor people use microfinancial services ( and why many choose not to use the services that are available) remains partial at best. This essay takes the reader on a ‘voyage of discovery’ that seeks to both deepen her/his understanding and encourage her/him to apply that knowledge to the practice of microfinance. The voyage that Stuart Rutherford offers is a unique one based upon years of careful and detailed personal research. It does not take a deductive approach that develops a theoretical model of the financial behaviour of poor people. Nor does it follow the ‘case study plus best practice’ approach that has been favoured by many practitioners when they write of microfinance. Instead, it adopts an inductive approach - based on thousands of conversations and meetings with...
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...WORDS.............................................7 WORD ANALYSIS ...............................103 IDIOM AND USAGE ............................117 About This Book English offers perhaps the richest vocabulary of all languages, in part because its words are culled from so many languages. It is a shame that we do not tap this rich source more often in our daily conversation to express ourselves more clearly and precisely. There are of course thesauruses but they mainly list common words. Other vocabulary books list difficult, esoteric words that we quickly forget or feel self-conscious using. However, there is a bounty of choice words between the common and the esoteric that often seem be just on the tip of our tongue. Vocabulary 4000 brings these words to the fore. Whenever possible, one-word definitions are used. Although this makes a definition less precise, it also makes it easier to remember. Many common words appear in the list of words, but with their less common meanings. For example, the common meaning of champion is “winner.” A less common meaning for champion is to support or fight for someone else. (Think of the phrase “to champion a cause.”) This is the meaning that would be used in the list. As you read through the list of words, mark any that you do not know with a check mark. Then when you read through the list again, mark any that you do not remember with two checks. Continue in this manner until you have learned the words. There are four types of quizzes...
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...Introduction to a Christian worldview A course in thinking Christianly about the whole of life Chris Gousmett (c) Chris Gousmett, 1996 This edition is produced solely for use as a course manual and is not to be sold, copied or otherwise reproduced in any form. i Contents Introduction 1. 2. 3. 4. 5. 6. 7 8. 9. 10. The nature and function of worldviews Religion true and false . . . . . . . . .. . . . 1 16 30 The problem of dualism and synthesis in Christianity Major themes in a worldview: Human nature, truth, meaning, purpose . 46 Scripture as the source of a Christian worldview The contours of a Biblical worldview . . . . . . .. . . . . . 59 70 87 104 119 136 157 Structure and direction. Sin and evil. Common grace The task and calling of humankind: to care for the creation . The nature of Christian community. A Christian view of society. The Kingdom of God: God's righteous rule over the whole creation . Bibliography . . . . . . . . ii Introduction The creation of the Father, fallen in sin, is redeemed by the death of the Son of God and is being transformed by the Holy Spirit into the kingdom of God. Herman Bavinck This series of studies is designed to provide a basic introduction to a distinctively Christian worldview that seeks to see the whole gospel applied to the whole of life. This Christian worldview makes a difference, because it is significant for our life in the world. It shapes and directs our lives in important ways, because...
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...Creative Problem Solving for Managers Second edition How can managers tackle complex problems? How do you encourage innovation? How do you implement new solutions? Is creativity the key to management success? This accessible text provides a lively introduction to the essential skills of creative problem solving. Using extensive case studies and examples from a variety of business situations, Creative Problem Solving for Managers explores a wide range of problem solving theories and techniques, illustrating how these can be used to solve a multitude of management problems. Thoroughly revised and redesigned, this new edition retains the accessible and imaginative approach to problem solving skills of the first edition. Features include: ■ ■ ■ ■ ■ Blocks to creativity and how to overcome them Key techniques including lateral thinking, morphological analysis and synectics Computer-assisted problem solving Increased coverage of group problem solving techniques New website containing in-depth cases and a PowerPoint presentation As creativity is increasingly being recognised as a key skill for successful managers, this book will be welcomed as a readable and comprehensive introduction for students and practising managers alike. Tony Proctor is Professor in Marketing at Chester University College Business School and was formerly Senior Lecturer in Marketing and Head of the Department of Management at Keele University. Creative Problem Solving for Managers Developing skills...
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...online? (After all, you are online anyway…) Need a better way to study before the big test? (A little peace of mind is a good thing…) With McGraw-Hill's Connect Plus Finance, ® StudentS get: • Easy online access to homework, tests, and quizzes assigned by your instructor. • Immediate feedback on how you’re doing. (No more wishing you could call your instructor at 1 a.m.) • Quick access to lectures, practice materials, eBook, and more. (All the material you need to be successful is right at your fingertips.) • A Self-Quiz and Study tool that assesses your knowledge and recommends specific readings, supplemental study materials, and additional practice work.* *Available with select McGraw-Hill titles. Less managing. More teaching. Greater learning. InStRuctoRS... Would you like your students to show up for class more prepared? (Let’s face it, class is much more fun if everyone is engaged and prepared…) Want an easy way to assign homework online and track student progress? (Less time grading means more time teaching…) Want an instant view of student or class performance? (No more wondering if students understand…) Need to collect data and generate reports required for administration or accreditation? (Say goodbye to manually tracking student learning outcomes…) Want to record and post your lectures for students to view online? With McGraw-Hill's Connect Plus Finance, ® InStructorS get: • Simple assignment management, allowing you to spend more time...
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...Frankenstein by Mary Shelley Key facts full title · Frankenstein: or, The Modern Prometheus author · Mary Wollstonecraft Shelley type of work · Novel genre · Gothic science fiction language · English time and place written · Switzerland, 1816, and London, 1816–1817 date of first publication · January 1, 1818 publisher · Lackington, Hughes, Harding, Mavor, & Jones narrator · The primary narrator is Robert Walton, who, in his letters, quotes Victor Frankenstein’s first-person narrative at length; Victor, in turn, quotes the monster’s first-person narrative; in addition, the lesser characters Elizabeth Lavenza and Alphonse Frankenstein narrate parts of the story through their letters to Victor. climax · The murder of Elizabeth Lavenza on the night of her wedding to Victor Frankenstein in Chapter 23 protagonist · Victor Frankenstein antagonist · Frankenstein’s monster setting (time) · Eighteenth century setting (place) · Geneva; the Swiss Alps; Ingolstadt; England and Scotland; the northern ice point of view · The point of view shifts with the narration, from Robert Walton to Victor Frankenstein to Frankenstein’s monster, then back to Walton, with a few digressions in the form of letters from Elizabeth Lavenza and Alphonse Frankenstein. falling action · After the murder of Elizabeth Lavenza, when Victor Frankenstein chases the monster to the northern ice, is rescued by Robert Walton, narrates his story, and dies tense · Past foreshadowing · Ubiquitous—throughout...
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...James Version of the Bible. All rights reserved. No portion of this book may reproduced in any form without the written permission of the Publisher. Printed in the United States of America. ******ebook converter DEMO - www.ebook-converter.com******* ******Created by ebook converter - www.ebook-converter.com****** “Cosmic Codes was the authoritative resource that we relied on in the research of our PAX-TV/Discovery Channel television special Secrets of the Bible Code Revealed. It’s absolutely packed with fascinating factual information on all of the Bible-related codes.” DAVID W. BALSIGER PRODUCER, SECRETS OF THE BIBLE CODE REVEALED “Chuck Missler writes from a technological and Biblical background in this cutting-edge analysis of the hidden codes of the Bible. This thoroughly researched book assists those investigating the inerrancy of the Word of God.” JOHN ANKERBERG ANKERBERG THEOLOGICAL RESEARCH INSTITUTE THE JOHN ANKERBERG SHOW “Chuck Missler has searched the entire range of the Bible and documented the presence of messages held beyond a simple reading of the text. For many, the information in Cosmic Codes: Hidden Messages...
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