Essays on Payment

Mobile Payment: An Introduction

The mobile payment consists of all modern electronic technologies that are present to the customers in addition to all the payment transaction carried out by the payment service provider. According to Kruger (2001), the mobile-based payment systems are meant for various business transactions that are performed through the cellular phones (Kruger, 2001). It is also called as a mobile payment system (MPS), as “any conventional or new payment system which enables financial transactions to be made securely from one organisation or individual to another over a mobile network” (Shon & Swatman, 1997). In view of the large number of cellular phones ...

Introduction

Disputes in the construction industry or in the process of honoring roles in a construction contract are not uncommon in many countries, a good of example which would be the United Arab Emirates (UAE) wherein the construction industry has been in a stage of boom for the past several years . Some of the world’s Mega structures and other fascinating architectural works are located in this Middle Eastern country. It is one of the largest exporters of oil and petroleum products and this country’s largest city, Dubai, is home to a range of spectacular and grand architectural works. It is home to ...

The Maastricht Treaty launched the European Monetary Union in the year 1992. The union comprised of two parts, which included the creation of euro the common currency and creation of the European Central Bank, which coordinates all monetary policies in the Eurozone. The treaty also created the rules for countries willing to join the union. The other element of the treaty was the national central banks of the 16 member countries. European Monetary Union creation has led to price stability and proper management of public finances (McKay Volz & Wolfinger 2011).The final phase of the single currency introduction ...

Introduction

Debit and credit cards are used by customers for post paid and pre-paid transactions respectively. They promote cashless society since individuals do not carry their money with them while going to shop. The holder of the cards can use them to either debit or credit their bank accounts at any transaction terminal where the holder will have to produce the card for reading confirmation through the assistance of the system of computer before the actual transaction can be completed. The debit card for instance is a payment method which can be accepted at the terminal of transaction using PIN or ...

Abstract

Much as mobile payments are comfortable to carry out, there is the danger of money being stolen by cyber thieves. Criminals use plenty of malware tools like Heartbleed bug or Trojan viruses to gain access to sensitive information for further manipulation. SMS interceptors allow thieves to receive the authentication text messages sent by banks on a per-lo-in principle. As far the level of safety goes, Android platforms are second safest to Apple analogues based on a walled garden App Store and a closed operating system, yet not even this product can keep mobile users safe when their inquisitiveness and desire to download ...

Management of Payment Systems in a Healthcare Facility

There exist several systems of paying medical bills. The type of payment systems employed in any healthcare facility largely depend on its operational strategies. Moreover, it depends on the financial capability of the hospital and its general customers. In this essay, the main type of payment system that will occur includes insurance. Several individuals tend to apply for medical insurance coverage for their medical needs. This step occurs fundamental in the payment of hospital bills during emergencies. However, the payment claims may get rejected in the process of submitting payments to the healthcare facility after services have been rendered ...

Avnet INC.

History The Avnet INC. is a Distributor Company founded by a Russian immigrant called Charles Avnet. Charles started by purchasing parts of the radio and selling the parts to different individuals, especially in the port cities of the United States. With time, he transformed his distribution platform by selling the surplus parts to dealers and manufacturers. Charles Avnet shifted his operations during the Great depression by focusing more on wholesaling. Between 1920 and 1930, Avnet transformed his business by branching out and diversifying by dealing with radio kits in cars and assembly kits in the automobiles. The incorporation of ...

Contactless payments such as the use of near field communication (NFL) have been developing over the last few years and have evolved into reliable and secure methods of payment which are gaining acceptance from both buyers and vendors. The contactless mode of payment uses a short range frequency identification chip (RFID) to transfer data embedded electronically in microchips attached to a mobile device such as a mobile phone or a personal digital assistant or a credit or a debit card. The major difference with the contact based mode of payment is that in the case of contactless payment, the user of the technology does not ...

Business

Introduction 3 Literature Review 3 Analysis and Discussion 4 Would you relate the payment to the demands of the job or to the relative performance of individuals doing the job? You should justify your decision and include the following; 4

Discuss the links between strategic reward and organisational strategies, link to total and strategic reward practices and the role of PRP 5

What impact would markets and legislation have on the system 6

Conclusions 8 Recommendations 8

Reference List 9

Introduction Pay and reward of employees are two inclusive aspects within the operational facet of an organization. Thus, organizational investment into a pay and reward system (PRP) is crucial ...

- Activity diagram - Sequence diagram

What are the different Vulnerable Points in an E-commerce Environment?

An e-commerce environment has many vulnerable points that attackers can get to the system. One of the points of attack is the channel of connection between the client and the ISP provider. The attacker can tap this point and make an attack on the connection. The attacker can intercept the communication between the user and the Internet Service Provider (ISP) and use security threats like spoofing to get data from the client. The client will lose money in the process. Another point of vulnerability is the ISP networks. There could be sniffer ...

I have reviewed your memo regarding our client Howdy Brewster which describes his business activities and the recent events which may impact his 2011 Federal Tax Return. Here is a review of the factual information about Brewster which pertains to the income tax questions. His business is an eight hundred fifty acre farm and dairy operation. About 150 Holstein milk cows are part of the dairy operation. Approximately 150 Black Angus steers are raised to sell. Brewster has one part-time employee. He employs his two teen-age sons for the daily farm work. The land has been in the family for ...

As the global economy deteriorates, the median family wealth falls dramatically, and the cost of raising children becomes more and more expensive. Parents are forced to plan their families and have only the children whom they can care for. The cost of bringing up a child stretches beyond food, shelter, clothing, education, health care, and transport. With the increase in the cost of food, gas, health care, education, and so on, child rearing becomes even more expensive. The overall impact is a decrease in family size. This paper analyzes the family size in two countries, Australia and Saudi Arabia. In particular, ...

I have reviewed your memo regarding our client Howdy Brewster describing his business activities and the recent events which have occurred that could have an impact on his 2011 tax returns. His business is a farm and dairy operation on 850 acres of land. The land has been in the family for close to 125 years. There are three existing houses on his property.

Mr. Brewster recently signed a contract with Aztec Oil and Gas Pipeline to allow the company to lease a portion of his land in order to run a pipeline; Aztec will need access to maintain the pipeline over its ...

AN EXPLORATORY ANALYSIS OF SENATE BILL 863

Requirements for the Masters in Public Policy and Administration Degree The thesis of is approved by __________________________________

Chairperson

ABSTRACT California’s (CA) legislature has passed a series of Workers Compensation (WC) reforms during the past 15 years; the most recent, Senate Bill (SB) 863 passed on August 21, 2012. SB 863 was introduced and presented to the California public as a reform bill that would ensure better coverage and easier medical access for workers injured on the job. SB 899 passed during the early 2000s was shown to be better for California’s workers, than SB863. ...

With the aid and use of robotics in the mechanical department, the company was in a position to implement and take ideas from conceptual phases to full production in a short period. That meant that the company was ready to not only expand, but also compete for government contracts for exceptional products they would implement. However, for the companies make that a reality, it had to implement and adopt various contracting financing techniques (Newell, 2008). To start with, contract financing, well-defined as the funds transfer from a company that was awarded a contract to the contractor who is the owner of the project. The ...

Law

A credit card agreement is a legal contract between a bank or financial institution that issues the credit card and the consumer who uses the credit card. On the one hand the banks want “freedom of contract,” while on the other hand the consumer wants transparency from the banks and the right to negotiate terms. (Talking, 2009, thecitizens.blogspot.gr) From the banks point of view consumers have the option to accept or to not accept the terms of the agreement. This is true because consumers can theoretically choose to never use credit cards. But from the consumers’ point of view there is ...

The Return of Depression Economics and the Crisis of 2008

The Return of Depression Economics and the Crisis of 2008 is an economics book that was written by Paul Krugman. The book is an analysis of the 2008 financial crisis that followed an economic downturn amid huge economic activity in the financial sector of many economies including that of the United States of America. The book further follows and traces integration of the unfavorable economic conditions into the financial crisis experienced in the year 2008. In addition, Paul Krugman considers the parameters that characterize a relationship in an economic depression context basing the argument on the depression and the economic ...

INTRODUCTION

Wireless Communication is a much discussed science in the recent times. A lot of research activities have been carried out in this field due to high demand of low-power & interference free communication technologies. Secondly, the humongous developments in VLSI technologies have enabled low-power & low-area implementation of unique DSP algorithms. Many low-end communication technologies have been introduced so far to cater the requirement of short range & secure communication between endpoints for communication, data exchange and automated commands execution . Near-field Communication (NFC) is basically a Bluetooth-like short-range wireless communication technology for smartphones and other mobile devices to communicate with each other by ...

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Introduction A credit card (BC, BCard, Bank Card) is a plastic card that is tied to one or more accounts with banks. Used to pay for goods and services, including through the Internet, as well as cash withdrawal. Cards are debit and credit. Debit cards are used for the disposal of his own money, located in the current account in the bank. Credit cards are used for the disposal of the bank's money, that when making the payment automatically taken from the bank on credit (which is required to repay ...

Analysis of Credit Card Debt

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Abstract

Credit card is a bank payment card used for transactions, the settlement of which is derived solely from funds provided by the bank to the customer within the set limit, in accordance with the terms of the loan agreement. The bank sets a limit based on the customer's creditworthiness. Debit card with overdraft differs from a credit card that requires the use, in the event of a shortfall client money bank. A credit card can replace personal loans and loans for urgent needs. The main advantage of credit card loans is the ability to ...

Management

Question # 1 10 Different Types of APCs under OPPS The unit of payment under OPPS in most of the cases is APC. CMS allocates each services of Hospital a common procedure code to APC based on similar clinical feature and cost. The rate of payment and co-payment is calculated for an APC that is applied to each service within in APC. Sometimes newly introduced services are assigned to new technology of APC, which are depend on similarity of resource used, until cost of data are available to permit assignment to APC clinical . Packaging is the critical feature ...

Introduction

Business banking refers to any form of financial dealings with a commercial institution those grands loans business entities, credit and saving accounts, and checking accounts for companies that exclude individuals. Another term for business banking is commercial banking.

The commercial banking defines the division of a bank that only deals with businesses. In comparison, a bank that details with individuals is called retail banking. Similarly, a bank that trades in capital markets is called in an investment bank. In Australia, the Banking Act of 1959 did not provide a clear a definition of the word bank (Wentworth, 2003). The inclusion of the several institutions that ...

International Finance

A floating currency refers to a system of currency valuation where by the exchange rate of a country’s currency depends on the supply and demand of that currency relative to foreign currencies. Floating rates of exchange usually vary freely because they are determined by trade activities in the forex market. A floating system of currency valuation is the complete opposite of the fixed rate of exchange. The fixed rate of exchange regime is where by the rate of exchanging the currency in relation to other foreign currencies is set at a constant rate. Countries can either choose the fixed rate ...

1.1 Introduction Construction forms are necessary since they provide a detailed history of the construction process from the planning stage up to the completion stage. The contents of these documents highlight the decisions and activities that together comprised the construction process. Therefore, when properly prepared, these documents provide an accurate history of construction projects. In essence therefore, construction documents facilitate monitoring and evaluation of construction projects. In addition, they can be used as evidence when disputes and litigations arise (Hyland, 2005, p.68). 2.1 Application for payment 2.1.1 Explanation of the Form Once in the construction phase, ...

Mobile payment took the center position immediately the banking institutions realized it. Its discovery emerged a few years ago when smartphones we innovated into the markets. Nowadays anyone who owns a smartphone has access to mobile payment transactions. Mobile transactions keep increasing by day due to move of people from desktops to tablets and smartphones. Everyone want go mobile where one can access all his financial services and other benefits through a hand gadget called a smartphone. With mobile payment, people can buy and sell anything anywhere as far as one has access to smartphones, tablets and laptops. Businesses are carried out ...

Third-party bill payment services, such as BPay of Australia, provide people with a secure, fast, and convenient way of paying their bills through various financial institutions, such as credit unions and banks (BPay 2013). This type of technology offers many opportunities from the business perspective. Due to the convenience and ease provided by this technology, there is no doubt that most people would want to pay their bills through it, which can be considered a “one-stop shop” for all of their bill payment needs. Aside from the convenience it provides, this type of technology will also enable people to save ...

As a business owner, if I had limited resources in e-commerce, I would focus on payment processing. Payment processing has to do with the service and process that facilitates payment transactions in a business. These payment transactions can be between the shoppers and business or the business and its suppliers. Payment processing usually involves a system of computer applications and processes that authenticate and approve payment transactions between all the parties involved in a business transaction. I would focus on payment processing because payments are crucial for the success of any business. Payment transactions ensure that a business remains functional even when finances are ...

Query 1. In most major contracts, contractors negotiate for advance payments, which ordinarily range from thirty to fifty per cent of the contract value. This poses the risk for the buyer. To address this risk on advance payment to supplier, RTE should ask for repayment or advance payment guarantee assuring the repayment of the down-payment in the vent of non-performance. They are issued for the full amount of advances. The specific risk covered by repayment guarantee is ordinarily described in general terms, namely non-performance. Accordingly, the text of most repayment guarantees does not indicate whether the beneficiary can only ...

Negative impact

The development of washing machines had a negative impact on my job as a house help. My duties as a house help included washing my employers’ clothes and utensils. As a house help, I used to ensure the house of my employer was clean and wash their clothes since they were busy. Washing my employer’s clothes formed one of my main duties, and as such with the development of the washing machine, I lost my job. My services such as washing clothes were replaced with the development of the washing machines that could easily wash many clothes at a time. The neighbors ...

Introduction

Critics of executive compensation have brought up several controversies. Any individual involved with regular executive compensation such as CEOs and human resource heads should be in a position of answering any controversy-related questions, thoughtfully and knowledgeably. Organizations approach the executive compensation decisions in their own ways, in relation to the organization’s circumstances, beliefs and values. CEOs and trustees make decisions that they think are most appropriate for their organizations (Fuchita; et al. 2010). Trustees have the onus of governing executive compensation with the aim of making sure the decisions made are wise through community leaders that are well familiar ...

The formula for calculation of payment per month is PMT = P X (APR/n)/ [1- (1+APR/n)^ (-ny), where p is loan taken, APR is rate of interest is always equivalent to 1

Payment in two different cases, first one normally and then consolidating all the loan

Amounts together and calculating the effective payment required to be done along with Proper comparison between the two kinds. The objective of doing that is to hold a picture About pros and cons of consolidation and why someone should go forward with Consolidation. The situation is: $15,000 with an APR of 8% for 15 years $10,000 with and APR of ...

Introduction: Dividend Policy

In the business platform of today, there is very stiff competition between companies. This is because of the increased number of organizations coming up every day making it difficult to survive in the market. In order to survive in the market, organizations need a strong financial background so that they can gain a competitive edge over their rivals. In a bid to achieve this, organizations go public and sell shares to them at a cost. In lieu of their investment in the company, the shareholders of the company are then paid a share from the annual profits of the company, known as dividends. Important ...

Introduction

This paper entails a business plan outline for an e-commerce business which will operate under the name Decca Galleria. The business entails the sale of various forms of artwork which include paintings, assorted furniture, and many other similar antique products. This entity will operate entirely as an online business, which will target both local and international customers in its operations. The business plan for this entity is highlighted in this paper, and it includes an in –depth analysis of the various components that will influence directly the success of the venture. According to Laudon and Carol (67), the e-commerce ...

Law governs many different areas of business. The study of business law also involves acquainting oneself in ethics applied in decision making. Moral minimum is standard for ethical business behaviour and means compliance with the stipulated law. The law does not evolve simultaneously with global advancement and for these reasons; we have grey areas in the law. This area is when the law is quiet on the legality of an action. Many diverse laws affect a single business transaction. Organizations and service providers owe a set of ethical duties to shareholders, suppliers, community, employees and most importantly its customers. When these ...

THE HEALTH CARE MARKET

Qn 1 Access to health care services varies from state to state. In the U.S, healthcare services have tremendously evolved from a predominantly volunteer or charitable system where patients paid little or no money at all to business entities (Ameringer, 2008). The healthcare industry is now one of the largest industry employing over 13 million workers with a projection to increase by 5 million by 2015. According to Ameringer, its very unfortunate that the health system problems lie with delivery system that drives low quality and inefficient care in a country filled with latest technological advancements and skilled health care professionals. ...

Introduction

The legal system is present in all aspects of our lives to ensure that everything in life is fair and is done with a particular protocol. The labour market is not exempt from laws. It is an area that especially needs legality for it to function properly. Employees are otherwise powerless in determining their wages and treatment. Laws ensure that they have power and a voice. Without legality, the labour market will be a flood of unfair payment under unscrupulous employers.

Law in remuneration

Laws directly affects remuneration of employees in both public and privates sector. Laws stipulate how employees ought to be paid, how ...

Accounts Payable and Receivable for HealthCare Finance

In healthcare, most of the services are paid for after they have been provided. This makes it necessary for healthcare providers to establish a reimbursement system that fits their individualized operational needs. Various reimbursement methods have developed. Examples are the Prospective-payment systems, Cost-reimbursement systems, Discounted-charge systems, and Flat-rate reimbursement system (Abbey, 2009, p. 3). a) Prospective-payment systems This payment mechanism was created by the Centers for Medicare and Medicaid Services. The payment mechanism bases most of the hospital bills on the diagnosis of the patient at the time when they are being admitted. Payments are based on predetermined fixed ...

Overview

Business ethics are fundamental aspects when it comes to corporate affairs and dealing with organizational members (Alvesson 87). Indeed, the successful organizational culture is heavily reliant on the ethics portrayed by the top management, employees and other members of the organization. Essentially, they must come up with ways of solving issues in an ethical manner such that the integrity of the organization in maintained. In this line of thought, therefore, this paper seeks to answer some fundamental questions regarding the various problems and events that unfold in an organization’s realistic realm. As such, the paper comprise of clarified ...

Finance

Based on the financial obligations of the first year, it would be more expensive to buy the condominium than to rent the house. The first year rent amounts to 9600 dollars. In the context of financial outlay, mortgages are relatively cheaper over a long period than rent. This value is a result of the fact that the mortgage payments do not continue to perpetuity. The present value of the mortgage is subsequently lower than that of the rent. However, in the short run, the rent presents the lower cost. In this respect, renting the property would be a viable option. Additional costs ...

Business

Information System in Organization

RFID refers to radio frequency identification. It is a modern technological advancement in the retail business today, which promotes speed, accuracy, and convenience for business owners, workers, and customers. It uses electromagnetic fields as medium of transferring data meant for the automatic identification and tracking of information on object tags. These tags contain information stored electronically and it includes details such as item name, price, brand, and quantity. RFIDs have a wide range of application that extends to the grocery business. Based on the clientele and pressing needs that the business, they can implement and apply the ...

Introduction

It is acknowledgeable that there are diverse factors that are currently taken to consideration in marketing strategies. This is in relation to how various business offer diverse services that are essential in guaranteeing competitive advantage. It is evident that there are diverse strategies that different businesses have developed to ensure that they have a competitive advantage over other business that are in the same business. It is due to this reason that they is a need to establish the relevant changes that need be analyzed based on the performance of a business over other business. Based on this reason, it is important ...

Introduction

Analytically, Softwood Ltd has been experiencing growth in the recent years thanks to its large client base. In its effort to expand, the business should make sound financial decisions to avoid a possible decline of its current position.

In their endeavor to expand, Softwood Ltd has various sources of finance to rely.

1. Internal sources Internal sources encompass all sources of finances within the company. These could be retained profits, proceeds from sale of furniture of the company’s property and personal savings by the owners of the venture (Dlabay, 2008).Examples of internal sources are; - Retained profits - Tighter credit control - Reduce inventories - Delay paying ...

Introduction

Analytically, Softwood Ltd has been experiencing growth in the recent years thanks to its large client base. In its effort to expand, the business should make sound financial decisions to avoid a possible decline of its current position.

In their endeavor to expand, Softwood Ltd has various sources of finance to rely.

These sources can be divided into two 1. Internal sources Internal sources encompass all sources of finances within the company. These could be retained profits, proceeds from sale of furniture of the company’s property and personal savings by the owners of the venture (Dlabay, 2008). 2. External sources External sources ,on the other hand, encompass all sources ...

Question 1

Workings: Beach Director Annual salary = 47,000 - Social security payment

Payable up to $45,000

First 3 months = 312 × 45,000 × 7.51% = 844.875 Last 9 months from 1 January = 912 × 45,000 × 8% = 2,700.00

Total social security payment 3,544.875

- Health insurance = 1,250. Beach Director is entitled to full health insurance since the FTE is 1. - Life insurance benefits 0.85% of annual salary 0.85% × 47,000 = 399.50

Assistant Beach Director

Annual salary = 35,000 - Social security payment Payable up to $45,000 First 3 months = 312 × 35,000 × 7.51% = 657.125 Last 9 months from 1 January = ...

This is a bilateral agreement entered into betweenandas of today The seller referred to hereby is a business person operating a business retailing in mobile phone accessories in the state of California. The buyer hereby referred to is a student at the University of California. The contract regards the sale of a mobile phone.

With regard to this mutual covenant, the parties agree as follows:

The seller agrees to transfer to the buyer, possession of a mobile phone, Nokia Lumia 520, on hire purchase terms, at a hire purchase price of $190, upon payment of a deposit amounting to $85.

Terms of installment payment:

After payment of the aforementioned deposit, the buyer agrees to further pay equal monthly installments amounting to $17 ...

Bitcoin is purely peer-peer electronic cash that makes it possible for online money payments to be remitted directly from one party to the other without having to go through financial institutions. With bitcoin, digital signatures are considered part of the solution but the problem arises when the trusted third party is needed to curtail any form of double spending. The solution to this double spending lies in bitcoin; this is because it timestamps transactions by hashing them into a hash-based work proof. This makes it form a network that will not be altered unless the proof-of work is redone. Bitcoin has ...

The term mortgage is a French word meaning death contract. Be not fooled into thinking that it is a contract of the dead. This means that the contract only expires when it is repaid in full or when the property is taken away. The loans are suitable for individuals who wish to own property that they may be unable to afford. In this case a home. The details usually put down by the mortgage loan provider as below.

Extra costs to maintain the house

The extra stuff that the buyer would have to offset include: electricity, maintenance costs, security and lastly water bills. These are actually minor costs. ...

Answer 1(a):

CREDIT CARD MARKET STRUCTURE The functionality of a credit card revolves around a well managed system. It is a mode of payment based on a promise between the bank and the holder of the card that he / she will make the payment in the future. In the highly competitive market of today the bank intends to maximize its customer share by promoting the use of credit cards more and more. They do this by minimizing the limits off the card to ensure maximum usage. The more customers purchase using credit cards the more beneficial it is for the Bank (Stango, ...

Management

The privacy rules of HIPAA are defined as the right of any persons to have an access to all protected health information that is of him or her and controlled by an entity that operates in a primary paper-based surroundings. Protected health information is been converted from paper records to electronic forms through the help of health information technology. There is a massive adoption of electronic health records in most health institutions to create quality and efficiency in healthcare delivery. The health IT highlights the measures that individuals can request electronically for their protected health information. The critical role of ...

HEALTH CARE REIMBURSEMENT PROGRAMMES.

Health care professionals play an important role in society. As such, there is a need for these professionals to understand the various health care reimbursement systems and methodologies to discharge their duties. There exist various financial systems adopted to cater for the financing of healthcare with each plan posing its risks as well as the incentives these systems exists solely because most patients have an insurance plan.

Fees for service reimbursement program mean that a fee is paid dully to the healthcare provider for each specific service rendered. This system is widely used as it guarantees total independence of which services ...

What People Should Konw About

Credit cards are probably the best type of convenience that the financial world had offered to the people. It is most often regarded as the most valuable plastic material on earth because of its power to get anyone anything within the purchasing capacity of the credit card they own. However, credit card is not always as fantastic as they seem. There are certain things that people don't know about underneath the irresistibly high credit limits and zero interest rate offers. The fine prints at the back of every application forms are often neglected and people doesn't take the time ...

Tax avoidance

Tax is a compulsory contribution of revenue by the citizens of a country by the citizens to facilitate the provision of goods and services that the private investors are not willing to provide due to the unprofitability of such goods and services. By this, it means that the fact that one pays taxes does not mean that he/she has to demand particular goods and services from the government. In this response, some people will find mechanisms that are meant to ensure that they do not pay taxes or they reduce the burden they incur in the payment of taxes. One of ...

Is Performance-Related Pay a Proven Path to Improving Employee Performance and Job Satisfaction?

Introduction This paper is aimed at understanding whether performance-related pay can lead to improvement in employee’s performance and job satisfaction. In order to answer this question, it is first of all necessary to research the nature of this payment system, analyze the reasons why employers choose it for their organizations. It is also necessary to consider its types and analyze their advantages and disadvantages. Then, it will be possible to properly understand the ways, in which performance-related pay influences job satisfaction and performance of the employees. In order to do it properly, results of various studies will ...

Renting an Apartment Is a Better Option than Buying a Home

I. Introduction.

There is a common thought that buying real estate is better than renting a house. Is that a fair assertion or is this an opinion being cultivated in human minds in order to help real estate and insurance agencies blossoming? Is renting a waste of renter’s money? Is ownership an excellent idea of building wealth? Let’s consider the statement taking into account a few expense items connected with renting and buying in order to compare these two alternatives.

II. Buying a Home: How Much?

A. How to Buy?

First of all, to buy an apartment or a house one should have some savings in the bank or ...

Annuities and perpetuities are types of financial instrument, which make payments at regular intervals (parrino & kidwell, 2009). Although both perpetuities and annuities make regular payments, there is a difference in the life span of the financial instruments. Annuities have a finite lifespan while perpetuities have an infinite life span (Grinblatt & Titman, 2002). Examples of annuities are; loan repayment and lottery winning. For loan repayment, the principal and interest are repaid in regular intervals while in lottery winning the winner receives a fixed amount of the winning for fixed period. Example of perpetuity is a charity donation and a pension fund is a pension fund ...

-What training were you able to complete during the last 30 hours of training? I read and understood all the policies and guidelines for all departments before starting working on any task. Ms. Asma, accountant in the sub-section, instructed me on how the Oracle system is functioning with the Payroll transactions. I learned how to process salary transactions to employees, terms and qualifications for each employee, and how the payment process is done. I was trained on how to insert elements from the Payroll system into Oracle Labor Distribution system and also how to extract ...

In the real estate, financing has become the most complex element of transactions in both residential and commercial markets. Mortgaging and other financing options drive a multi-billion dollar industry allowing a majority of the home owners to purchase property only a fraction of the price of the property they wish to purchase . Due to the increasing influence of the federal government on the real estate market and the truth that mortgages are a form of investment made the forms required to develop a typical real estate market uniform. Mortgage refers to the art of connoting an instrument signed by the mortgagor and the mortgagee ...

- The minimum monthly payment on an outstanding debt of 5270 dollars would be 2% of the outstanding amount which is 105.4 dollars. Out of this minimum monthly payment of 105.4 dollars a certain portion would go towards reducing the outstanding balance and some portion would go towards paying off the interest. The interest component would be 15.53%/12=1.294 %. Then multiplying this by the outstanding amount of 5270 gives us the interest payment of 68.2 dollars. The principal portion would be 105.4-68.2 =37.1974 dollars. See Attached excel sheet for calculations. - Assuming that my credit card has an outstanding ...

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Introduction 3

About Amazon.com 3 E-Commerce Solution Key Elements of Amazon.com 4 Technology Infrastructure 4 Datawarehouse and DataMining 6 Datamining to operational efficiency and acheiving sales goals 6 Network Security Threats in E-Commerce Applications 7 Controlling Network Security Threats in E-Commerce Applications 8 Payment Gateway 9 Conclusion 9

Reference 11

Introduction E-Commerce is a present day business methodology addressing various needs of organizations. It enables consumers and merchants to reduce costs and simultaneously improving on the quality of products and services. It ...

1) Draw a system blueprint for the process of a customer coming in and eating in the conveyor belt sushi restaurant. Start with the consumer flow. (15 points) The consumer flow consists of the customer, who may be seated on a table or the counter that is served by the conveyor belt is able to choose from the food on display. If the customer sees a dish he/she likes or is interested in, he/she simply picks the dish from the conveyor belt. The conveyor-belt sushi restaurant was a very innovative idea that was greatly executed and is a system that works. It brings out ...