emphasize the payment. When this happens the lender focuses on a numerical monthly payment that you are able to afford. The down side to this car salesmen like approach‚ is that the details of the monthly payment can be skewed to hurt you down the road in the future while appearing like a good deal in the near future. Another predatory practice is called ballooned loans. This type of lending gives the borrower a small monthly payment only covering interest. The last payment covers the principal‚ normally
Premium Predatory lending Debt Loan
I. Food Manufacturing Industry in Philippines Food manufacturing‚ which includes food and beverage processing‚ remains the Philippines most dominant primary industry. The industry is worth a gross added value of more than $2 billion and grew by 3.2 percent. The Philippines Bureau of Food and Drugs Statistical Report of Establishments lists a total number of 11601 food processing establishments nationwide. Most of the companies are owned by a single proprietor that is common among micro‚ cottage
Premium Food processing Food Industry
Capital budgeting is a step by step process that businesses use to determine the merits of an investment project. The decision of whether to accept or deny an investment project as part of a company’s growth initiatives‚ involves determining the investment rate of return that such a project will generate. However‚ what rate of return is deemed acceptable or unacceptable is influenced by other factors that are specific to the company as well as the project. For example‚ a social or charitable project
Premium Investment Capital budgeting Corporate finance
What Can I Prepare Before the Actual Day of Thanksgiving? Q. What can I prepare before the actual day of Thanksgiving …. Usually‚ I make everything the same day‚ and it is exhausting. Thanks. — LS‚ Brooklyn‚ N.Y. A. If there is one thing I’ve learned from my husband’s marathon running‚ it’s that strength and stamina alone won’t necessarily get you to the finish line. The difference between a good run and an excruciating ordeal is solid planning. Thanksgiving‚ that marathon of meals‚ requires the
Premium Bread Potato Cooking
“Cash for Clunkers” Tina Darling Econ 101 Cash for Clunkers The government tries to implement programs to assist individuals in living a better life. In 2009 a program called Cash for Clunkers or CARS (Consumer Assistance to Recycle and Save Act) was created to help get older cars off of the road. This program allowed individuals to voluntarily trade in and purchase vehicles under this act. This program helps consumers pay for a new‚ more fuel efficient vehicles from participating dealers when
Premium Internal combustion engine Monetary policy Automobile
“Finding Month of the Year effect in Indian Stock Market” The aim of practical study is mainly an implementation of knowledge achieved through the learning theories. As a part of curriculum of 2nd year‚ I have done grand project on Month of the Year effect in Indian Stock Market. The project culmination of my efforts and to dedicated work. In this project I have started from the monthly share price. Really this project enhanced my knowledge substantially‚ as I tried to cover almost each and
Premium Stock market
Practical Accounting 1 Cash and Receivables -1. Assume the following facts for Kurt Company: the month-end bank statement shows a balance of P40‚000: outstanding checks totaled P2‚000; a deposit of P8‚000 is in transit at month-end; and a check for Pf400 was erroneously charged against the account by the bank. What is the correct cash balance at the end of the month? a. P33‚600 c. P45‚600 b. P34‚400 d. P46‚400 2. The August 31 bank statement of K‚ Inc. showed a balance of P113‚000. Deduction in
Premium Accounts receivable
THIS month of July‚ we traditionally celebrate the Nutrition Month with the theme: "Isulong and Breast Feeding- Tama‚ Sapat at Iksklusibo". Breast feeding campaign is for everybody especially the nursing mother. Is there a need to campaign and promote it? What is the relevance and benefits of Breast Feeding? Breast Feeding in a simple point of view is providing the babies of the most valuable medical contributions to infant health. Human Milk is scientifically proven by the scientist and doctors
Premium Milk Immune system Infant
GUESS WHO JEANS STATIC BUDGET VARIANCE FOR THE MONTH JUST ENDED Income Statement line-item Budgeted amount per unit Static Budget (A) 10‚000 units Actual Results (B) 16‚000 units Static Budget Variance (A) – (B) Revenue Variable costs: Materials Labor Overhead Total Contribution margin Fixed costs: Manufacturing Overhead Marketing costs Total fixed costs Operating
Premium Variable cost Costs Fixed cost
Case 9 The Forgotten Group Member 1. Christine’s leadership abilities could benefit by having knowledge of the stages of group development. Specific to her situation‚ it seems that aside from the very first group meeting‚ Mike was not present for the forming stage of the group. As a result‚ questions such as "What can the group offer me?"‚ "Can my needs be met and still contribute to the group"‚ and other discovery inquiries did not get answered for Mike so he has not felt part of the team
Premium Leadership Psychology Group dynamics