Rating Scale Abstract Hamilton Depression Rating Scale which is observer-rating scale is used to assess severity and type of depression. The aim of this paper is to review and evaluate psychometric properties of HDRS. Six articles which used HDRS are analyzed in terms of reliability and validity evidence of HDRS. Hamilton Depression Rating Scale
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to be reviewed for their credit worthiness and financial capacity and with Fannie Mae’s approval. Unless the transfer is an exempt transaction or involves a property located in Michigan‚ New Mexico‚ or Utah that secures a window- period mortgage loan and except in the circumstances below as described in the FNMA servicing guide: 1. any fixed-rate whole first-lien mortgage loan‚ if the purchase of the Property is financed by obtaining a wraparound or second-lien mortgage loan from an institutional
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Burning Down the House: Mortgage Fraud and the Destruction of Residential Neighborhoods Ann Fulmer March 2010 DRAFT Burning Down the House: Mortgage Fraud and the Destruction of Residential Neighborhoods Mortgage fraud is bank robbery without a gun. 1 It is a high-yield‚ 2 low risk enterprise that has been reported in all 50 states‚ Puerto Rico‚ Guam‚ American Samoa‚ 3 Canada‚ 4 New Zealand‚ 5 Australia‚ 6 and England. 7 In the United States‚ it is committed by organized international and domestic
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An Overview of United Bank of India : United Bank of India (UBI) is one of the 14 major banks which were nationalized on July 19‚ 1969. Its predecessor the United Bank of India Ltd.‚ was formed in 1950 with the amalgamation of four banks viz. Comilla Banking Corporation Ltd. (1914)‚ Bengal Central Bank Ltd. (1918)‚ Comilla Union Bank Ltd. (1922) and Hooghly Bank Ltd. (1932) (which were established in the years indicated in brackets after the names). The origin
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Credit repair has the power to transform your financial life and help you meet creditor guidelines. We are in a period of hard economic times. For the last three years lenders have tightened their requirements. Consumers everywhere are finding it difficult to get home loans‚ automobile financing‚ and even credit cards. Millions of credit cards holders have been contacted by their creditors and told that their credit limits have been reduced‚ and in many cases even informed that their cards have been
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How much do How much do credit card companies know about you? 1. What competitive strategy are the credit card companies pursuing? How do information systems support that strategy? Credit card company keep tracks of their cardholder‘s credit usage and classified them into different category. This allows credit card companies to learn a great deal about each of its customers at a glance. Overall‚ the credit card company uses various methods to understand all of the cardholder’s spending habits
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Habit of Writing Research Essay ESRB’s Rating System for Video Games Since 1994‚ the Entertainment Software Rating Board (ESRB) has been issuing ratings to all video games produced. They have done this in order to inform gamers and parents about the content that is included in the game. They have created a system of rating that contains a letter grade for the certain section that the game falls under. Along with the letter grades‚ the ESRB has also designed a system that specifically points out
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RE: Ingersoll Rand Credit Write-up Operating Environment Industry: Industrial goods - diversified machinery (Residential and commercial). Provides products‚ services and solutions to enhance the quality of air and security in homes and buildings‚ climate control and refrigeration along with Industrial technologies that help companies enhance energy efficiency‚ productivity and operations. Industry drivers: Economic expansion‚ new innovative solutions. Industry outlook: Neutral with moderate
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Credit scores are based on many factors and each financial institution may have specific methods unique to their scoring. But there are three common pillars that dictate your overall credit score that are common to most financial institutions. You need to address these three pillars in order to raise or increase your credit score. These three pillars of your credit score are payment history‚ amount of used available credit‚ and length of credit history. These three areas make up about 80% of most
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CREDIT CARD FRAUD AND THE LAW By A.L.R. JOSEPH SUBJECT: Banking‚ Criminal Law Malaysia [1993] 2 CLJ xii (Apr) Introduction To most consumers‚ credit cards are pieces of plastic - issued to them by their bank or retail shop which allow payment for goods or services - which give them prestige and flexibility. Further‚ they also provide a convenient avenue of obtaining on-the-spot cash. The credit card is a phenomenally successful development of modern banking and retailing based on technological
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