...Evaluate the legal aspects of acquiring, holding, and disposing of real property in Volusia County Florida. The legal aspects of acquiring holding and disposing of real property in Volusia County Florida is that if new buyers must record their deeds at the public records office of Volusia County Florida courthouse. The recording gives notice that the particular piece of property has been sold and subsequent purchases should be careful. The Florida law applies in Volusia County Florida and Titles in Florida are registered under the abstract system. The Title to the real estate is the right to or the ownership of the property. The documentary evidence is also called Title to the ownership. The company must take out a warranty deed as this provides the greatest protection to the purchaser. The warranty deed is a pledge by the seller that she/he is the legal owner of the property and there are no outstanding liens, mortgages, or other encumbrances against it. The seller can be held responsible later if the title is defective. The purchasing of a real estate must provide ample opportunity to your company to make sure that there are no environmental hazards or injuries because of the defects of the structure. In case of Volusia County Florida, the county laws apply to the development of the property. Specifically, the laws relating to river rafting in Volusia County apply. The disposing of real property requires a deed to be made that transfers the property to the buyer. The best...
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...Student Name Unit Number and Title Y-601-1259 / Unit 19 / Marketing Planning Student No. Assessor name Date of Issue 16th February 2015 TOM FARNSWORTH Completion date Submitted on 27th March 2015 Assignment title Unit 19: Marketing Planning Learning outcome Assessment criteria In this assessment you will have the opportunity to present evidence that shows you are able to Task No. Evidence (Page no) 1 Be able to compile marketing audits 1.1 1.2 1.3 1.4 2 3 Understand the main barriers to marketing planning Be able to formulate a marketing plan for a product or service 2.1 2.2 3.1 3.2 3.3 Review changing perspectives in marketing planning Evaluate an organization’s capability for planning its future marketing activity Examine techniques for organizational auditing and for analysing external factors that affect marketing planning Carry out organizational auditing and analysis of external factors that affect marketing planning in a given situation Assess the main barriers to marketing planning Examine how organizations may overcome barriers to marketing planning Write a marketing plan for a product or a service Explain why marketing planning is essential in the strategic planning process for an organization Examine techniques for new product development 2 (b) 1 (b) 1 (a) 1 (e) 1 (c) 1 (d) 2 (e) 2 (a) 2 (c) 1 3.4 3.5 4 Understand ethical issues in marketing 4.1 4.2 4.3 Justify recommendations for pricing...
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...What is Takaful Takaful - Islamic insurance - is founded on the cooperative principle and on the principle of separation between the funds and operations of shareholders, thus passing the ownership of the Takaful (Insurance) fund and operations to the policyholders. The premiums collected from the policyholders are considered as donations and they constitute the Takaful fund from which all claims are reimbursed. At the end of each financial year, after deduction of expenses, any remaining cash surplus will not be retained by the company or its shareholders, but returned to the policyholders in the form of cash dividends or distributions. In this respect, Takaful business is different from the conventional insurance in which the policyholders, rather than the shareholders, solely benefit from the profits generated from the Takaful and Investment assets. The Investment assets representing the Takaful fund that accumulate over the retained reserves, surpluses and provisions are invested by the shareholders who manage the company on behalf of the policyholders. The shareholders are rewarded with a percentage of the profit on these investments. | | | | |Can Muslims engage in risk control? | | | | | | | |It is a Muslim's belief that everything that happens in this world is by the will (Qadha and Qadar) of Allah. Similarly...
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... Unit Number and Title Pearson BTEC Level 5 HND Diploma Business Y-601-1259 / Unit 19 / Marketing Planning Student Name Student No. Assessor name TOM FARNSWORTH Date of Issue Completion date 16th February 2015 Assignment title Learning outcome 1 Be able to compile marketing audits 27th March 2015 Unit 19: Marketing Planning Assessment criteria In this assessment you will have the opportunity to present evidence that shows you are able to Task No. 1.1 Review changing perspectives in marketing planning Evaluate an organization’s capability for planning its future marketing activity Examine techniques for organizational auditing and for analysing external factors that affect marketing planning Carry out organizational auditing and analysis of external factors that affect marketing planning in a given situation Assess the main barriers to marketing planning Examine how organizations may overcome barriers to marketing planning Write a marketing plan for a product or a service Explain why marketing planning is essential in the strategic planning process for an organization Examine techniques for new product development 2 (b) 1.2 1.3 1.4 2 3 Understand the main barriers to marketing planning Be able to formulate a marketing plan for a product or service Submitted on 2.1 2.2 3.1 3.2 3.3 Evidence (Page no) 1 (b) 1 (a) 1 (e) 1 (c) 1 (d) 2 (e) 2 (a) ...
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...End-of-Chapter Question Solutions 1 ____________________________________________________________________________________________ CHAPTER 23: INTERNATIONAL TRADE FINANCE 1. Trade dilemma. What is meant by the term ‘trade dilemma’? International trade must work around a fundamental dilemma. Imagine an importer and an exporter who would like to do business with one another. They live in different countries located far apart. They have never met. They speak different languages. They operate in different political environments. They worship different gods (each capitalizes “God” in the home religion and uses a lower case “god” for foreign religions!). They come form cultures that have different standards for honoring obligations to other persons and different ways to settle disputes. They both know that if they default on an obligation, the other party will have a hard time catching up to seek redress. Although it might be too harsh to say they don’t trust one another, each has perfectly valid reasons for being very cautious in dealing with the other. Because of the distance between the two, it is not possible to simultaneously hand over goods with one hand and accept payment with the other. 2. Basic documents of trade. What are the three basic documents used in trade with unrelated parties? The fundamental dilemma of being unwilling to trust a stranger in a foreign land is solved by using a highly respected bank as intermediary. A greatly simplified view is described in Exhibit...
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...order to keep the business standing/make profit. Human resources need to be dealt with extreme care and an appropriate manner as they are very sensitive. Employees are a business’s human resource. The organisation that I have chosen for the purpose of Task 1 is Wilko. In 1930 Mr James Kemsey Wilkinson opened his first shop in Charnwood Street, Leicester. Wilkinsons now known as Wilko provide a huge variety of goods from furniture to garden ware all the way to pet supplies and much more. Wilko began as a small shop but today is known all over the UK. Staffing to meet changing business demands Wilko may recruit suitable qualified staff or may train somebody within Wilko in order to have the right levels of skill required. Wilko’s number of employees may change according to level and type of staff in order to keep up with the changing demands of the business. This will affect the skills and qualification employees will need to have. A HRIS system is used by Wilko to expand or reduce the number of staff needed at Wilko. A HRIS system also stores all the data regarding the employees training and experience. A HRIS is also used to plan for the future, this is called succession planning, succession planning is when employees are recruited and developed to fill each key role with the company. If Wilko plans well then they are less likely to have problems when their needs change. The employees will need training to carry out different tasks, as Wilko are changing the way they trade and...
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...of risk, return (yield), liquidity and time-pattern of cash flows. Savers are able to satisfy their own personal preferences by choosing various combinations of these attributes. By encouraging savings, and allocating savings to the most efficient users, the financial system has an important role to play in the economic development and growth of a country. A range of different financial institutions has evolved to meet the needs of financial market participants and to support economic growth. Chapters 2 and 3 examine the major types of financial institutions. At this stage the institutions are categorised by the nature of their principal activities. Depository institutions, such as commercial banks, building societies and credit unions, specialise in gathering savings in the form of deposits and use those funds in the provision of loans to customers. Investment banks and merchant banks tend to specialise in the provision of off-balancesheet advisory services to clients (e.g. merger and acquisition advice). Contractual savings institutions, such as insurance offices and superannuation funds,...
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...trade – top tips from RBS UK Trade & Investment (UKTI) – why businesses should look to export British Chambers of Commerce – finding new markets British Exporters Association Key contacts Supporting your international trade ambitions, whatever your business Index 1 3 7 13 14 19 22 28 32 34 37 39 42 45 48 51 52 55 Section 4: Section 5: Section 6: Foreword The current economic environment has certainly presented UK businesses with some challenges, but it has also offered immense opportunity as well. The appeal of overseas markets has never been greater and, for British companies looking to buy or sell outside the UK, now is undoubtedly the time to explore that opportunity. That’s why I’m delighted to share this Guide to International Trade with you. It contains a wealth of useful information about how to trade internationally, including insights into research we have conducted among UK businesses, and informative articles from prominent trade bodies such as UK Trade & Investment, the British Chambers of Commerce and the British Exporters Association. Our recent research conducted among 500 UK companies has told us that many businesses believe now is a good time to increase overseas trading. However, they’re not fully realising these ambitions. In fact, 50% of the businesses questioned believed that UK organisations were not sufficiently aware of the opportunities out there. This guide is designed to help you realise those overseas opportunities...
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...Initially people store money in the royal palaces and temples, at that time there were no concept of money they secure their grains and other commodities into it, the reason behind this they feel that these places are very secure and the chance of robbery or theft is very less as compare to secure in there own houses. Banking Today Today banks are playing very essential role in our country economy as well as in global economy; they are giving loans to the organization and individuals, trying to make humans life easier and developed. Without bank we cannot even think to live, for example how do you feel if someone says that I have one million or ten million dollar save in my cupboard locker, obviously you can laugh over the person wisdom? Now banks are providing greater facilities and constantly improving their standards day by day, Stronger security, locker facilities (where you can save and secure other stuff besides money), credit card, Auto Teller Machine (ATM), easy loan facilities (with low-markup), phone banking, mobile banking, online banking, excellent customer services, customer 24/7 days access to the account are the great features of the banking, and these features are the key reasons for banks to exist in our environment. Types of Banks The banking...
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...follows a divisional structure. This allows for the company to manage the profitability for each individualized department. We have the Consumer and Community Banking department (consumer banking and lending), Commercial Banking (business banking and lending), and our JPMorgan division (investment services) (Client Services, 2015) Within each of these three divisions, there are departments for research and development, marketing, sales, accounting, etc. Now the fear of having a divisional structure is that many employees end up doing the same position, therefore creating a lot of redundancies and causing an overall inefficiency. However, as we are a financial institution, this method works out quite well as many people are double and triple checking the work being done. The concern of inefficiency is mitigate by the absence of potential business risk. If we were to follow a functional structure, we would run into legal concerns when it came to our investment services. Due to federal regulations, we are not able to even speak about investment products inside of an FDIC insured area. We have special rooms within our branches that are designed to speak about insurance products. That being said, as two of our lines (Consumer and Commercial banking) are under insurance of the FDIC, we cannot mingle our funds with those of the JPMorgan division. FDIC coverage protects the asset owner from corporate...
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...CONTRACT: The international contract is a contract that has a foreign element, that is to say that the contract is in contact with one or more order (s) legal (s) abroad (s). Specifically, the foreign element may be resident abroad, a party to the contract, nationality, place of contract conclusion, and many other possibilities. The commercial contract is a contract for a commercial transaction or a contract made by a trader for the purposes of his trade. Therefore an international commercial contract is the addition of foreign elements in a commercial contractual relationship. Example is a contract between a French commercial agent to an American entrepreneur. Or it may be a contract between a French company and a provider of electronics in China. The formation of a contract Main points that need to be addressed: • Agreement: who decides that an argreement has been reached (objective/ subjective approach) • Offer and acceptance: offer of invitation, display of goods, advertisements etc leading to acceptance • Certainty and agreement mistakes • Consideration and form • Intention to create legal relations: domestic and social, commercial agreements • Third party rights • The content of a contract: creation and classification of contractual terms, exclusion clauses INTERNATIONAL CONTRACT LAW Laws covering trade between businesses in different countries have existed since the law merchant was born in the medieval period. As business has grown across national borders...
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...Name__________________________________ This unit is all about starting your own small business. The assignments will take you through the planning process in order to complete your own small business plan. This may be a business you are thinking of starting in the future. To complete this assignment you should think of a business idea that you will be able to research and plan for. It should be realistic. You will present your idea to an assessor and some of your class mates. |P1 |Task 1 | | | | | |You should consider whether your business will be new, a franchise or whether you are going to buy an existing | | |business. Your bank manager has asked for your thoughts on this before he/she makes an appointment to discuss your | | |plan. | | | | | |Write a letter to the bank manager outline your preference giving the advantages and drawbacks of each type. You should | | |give examples where possible. Attach any reference material e.g. a print out of an existing...
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... ( The bond capital market finances "real investment," including commercial and consumer real estate construction, business plant and equipment, Federal Government deficit spending, and bridges, turnpikes, etc. of state and local governments. ( Long-term securities are purchased by capital market investors who desire income over the long term – pension funds, mutual funds, life and casualty insurance companies, and individuals. READING THE WALL STREET JOURNAL The Credit Markets column, located in the Money & Investing section (C), provides a daily analysis of major happenings in the U.S. credit markets. Included are discussions about new bond issues, changing rates, issues facing bond investors, etc. Want to understand what drives funds into and out of bond markets? Read this column daily and learn! CAREER PLANNING NOTE: Bonds are investment banks’ savior during the times when stock markets do not do well. It’s not only companies that use bonds to raise money – governments and government institutions do, too. Bonds come in different shapes and sizes, ranging from investment grade, issued by blue-chip companies, to high yield, which carry a greater risk. It is helpful to be quantitative, innovative, ambitious, and quick on your feet if you are looking for a career in fixed income securities. ASK THE RIGHT QUESTIONS IN THE INTERVIEW In any market, buyers and sellers need...
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...CHAPTER 7 1. Know the 6 basic parts of the insurance contract 1. Declaration – are statements that provide information about the particular property or activity. In formation contained in the decorations section is used for underwriting and rating purposes and for identification of the property or activity that is insured. 2. Definitions – the purpose is to define key words or phrases so that the coverage under the policy can be determined more easily. 3. Insurance Agreements – Promises of the insurer. There are two basic forms of insuring agreement in property insurance. A) Named-perils policy: only those perils named are covered B) Open-perils/ special coverage policy: If it is not excluded then it is covered. 4. Exclusions – A) Excluded Perils: ex) perils of flood, earth movement, war etc. B) Excluded Losses: ex) the failure of insured to protect the property from further damage after a loss. C) Excluded Property: ex) in a HO policy certain cars, animals are excluded. * Exclusions are necessary because commercial insurers may consider the peril uninsurable. 5. Conditions – are provisions that qualify or place limitations on the insurers promise to preform. Conditions impose certain duties on the insured if he or she wishes to collect for a loss. 6. Miscellaneous Provisions – Provisions in property and casualty insurance include cancellation, subrogation, requirements if a...
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...such as the ones found in muscles and hair enzymes, such as proteases and other digestive enzymes Variation Individuals differ in all sorts of ways, even when they are offspring of the same parents. These differences are called variation. Most characteristics, such as height, are determined by several genes working together. They are also influenced by environmental factors. These include: Climate, diet, physical accidents, culture&lifestyle Identical twins Identical twins are genetically the same. They are a good example of the interaction between inheritance and the environment. For example, an identical twin who takes regular exercise will have better muscle tone than one who does not exercise. All of the differences that you see between identical twins, for example, in personality, tastes and aptitude, are due to differences in their experiences or environment. When an egg and sperm cell come together, the now fertilised egg contains 23 pairs of chromosomes. Sex chromosomes are responsible for certain genetic traits. Sex cells and chromosomes Human body cells each contain 23 pairs of chromosomes. Parents pass on their genes to...
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