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
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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
Words: 8983 - Pages: 36
Gangs and Organized Crime in the United States Criminal Justice Janaree Nagel 10/15/2011 Gangs and Organized Crime in the United States is on the rise. With the increase in turf wars, position and the financial gains, gang wars and Organized Crime are linked together in many ways. Within this paper, I will show how they are all tied together in. The M-13’s are the largest reported gang controlling large areas of our states. However, the largest area to which the MS-13’s control
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SOUTHWEST AIRLINES CO. 2011 ANNUAL REPORT TO SHAREHOLDERS To our Shareholders: The year 2011 was historic for Southwest Airlines. We celebrated our 40th anniversary of providing low-fare, high quality commercial air service. We launched an all new, industry-leading, frequent flyer program in March. We opened three new cities: Greenville-Spartanburg, South Carolina; Charleston, South Carolina; and Newark, New Jersey. We closed our acquisition of AirTran Airways on May 2, growing our fleet by 140
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time the company had grown—mainly by mergers—from a single teaching hospital into a regional network of 11 large and midsize institutions, supported by ancillary clinics, physician practices, trauma centers, rehabilitation facilities, and nursing homes. Together, these entities had nearly 4,000 employed and affiliated physicians, who annually treated a million patients from throughout Georgia and beyond. The patients ranged in age from newborn to nonagenarian; represented all races, ethnicities
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McAFEE SCHOOL OF THEOLOGY “RULE OF LIFE” A PAPER SUBMITTED TO DR. DENISE MASSEY IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR SPIRITUAL FORMATION: THSP 501 MASTER OF DIVINITY BY JOHN WATSON ATLANTA, GA DECEMBER 2013 At the beginning of the course we were told that we had to put together a paper that would be entitled “The Rule of Life”. At the very outset of hearing this, my mind began to wonder what in the world that is about. I didn’t really understand the concept or began
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the gain when it is realized often means that the tax becomes due at the same time the taxpayer collects the sales price. p. I:3-4. I:3-5 A loan repayment is not consistent with the normal meaning given to the word income. A taxpayer is no better off because a loan is repaid. There has been no economic benefit. As a result the repayment of a loan is not taxable simply because it is not income. p. I:3-3. I:3-6 Congress taxes prepaid rental income because of concern that taxpayers might
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------------------------------------------------- BIRla ericsson optical ltd E-I-C Framework May 10, 2015 Kezang Wangmo (102077 Sonam Choden (102067) Wangda Lham (101832) Thinley Lhamo(101974) Tshering Zangmo(102092) Table of Contents Introduction 1 E-I-C Framework 5 Economic Analysis 5 1. Inflation 5 2. Exchange Rate 6 3. GDP 7 4. Infrastructure 8 5. Government expenditure 9 Government borrowing 10 6. Economic and political stability 11
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for both the iPhone and Android there is very little you can’t do virtually. From banking to shopping, in-person visits to Skype and face time, putting a key in your car to start it to remotely starting your car and setting the temperature, being at home turning on lights and adjusting your thermostat to doing the same functions remotely using a smartphone. Smartphone applications have offered instantaneous, real-time efficiencies in our day-to-day life. Two generations ago you had to physically get
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CRM JOE PEPPARD, Cranfield University School of Management, UK Today, many financial services organisations are rushing to become more customer focused. A key component of many initiatives is the implementation of Customer Relationship Management (CRM) software. Our research has highlighted that most institutions take a rather narrow view of CRM and as such, benefits have been limited. While second generation CRM has emerged to embrace the total organisation (hence Enterprise CRM), success in general
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