Essays on Payments

Chapter III

This chapter will review the background of Real Property Law in the Kingdom of Saudi Arabia. In order to lay the foundation for comparisons in subsequent chapters, the elements of the Saudi judicial system and real property law will be reviewed. The background information pertaining to Saudi Arabia will feature the judicial court system, the property rights and real property ownership. A review of the current mortgage law in Saudi Arabia will be analyzed as well as possible reform to include the application of anti-deficiency laws.

Introduction

Saudi Arabia is governed by a monarchy. Its current legal system under the ...

The following is the outline we had to follow for our paper, the part in yellow is what I need you to complete for me please. The rest I have already done and the content I wrote can be found below.

1. Background (description of the problem or initial assumptions) a. List up the different aspects of the company’s background. b. Precisely identify the problem or challenge to be solved. c. Describe the initial assumptions for the elaboration of the plan. d. Presents a well-founded starting hypothesis, clearly written. 2. Company / Organization internal analysis. a. Develop a ...

Organizational managers are faced with daily challenges and are expected to make decisions that will impact the corporate performance. In many profit making organization, gross and net profit is the ultimate measure of success or failure. However, other parameters determine the operational efficiency in an organization that ought to be considered alongside the profits. I was working as an intern in Darby Consulting, small management consultant firm with operations in six states in the U.S. The organization was doing well in term of the profits that has increased exponentially over the past few years. The management was all content, ...

Medicare and Managed Care

The U.S. government started initiatives to make medical assistance to as many citizens as possible. This program is one such initiative by the government. Medicare is a health program under the federal government that covers individuals who are 65 years and above. It also includes younger people with various disabilities. Also, people with renal diseases that require dialysis and any other medication are covered by this program. Medicare was created in 1965, ("What is the History of Medicare? | National Academy of Social Insurance", 2017). At this time, many people above 65 had difficulties accessing health care. In essence, this ...

Question 1

The three types of reimbursement methods are traditional methods, prospective payment systems (PPS), and Fixed Payment. In particular, the traditional method is a payment method based on the submitted charges (Corro & Robertson, 2011). On the other hand, the fixed method of payment based on fixed payments made monthly. Moreover, the PPS reimbursement method composes of three methods of payment: Diagnosis Related Group (DRG), Ambulatory Classification of payment (APC) and a value scale related to resource based (RBRVS).

Question 2

The advantages of the traditional payment method include first the approach of payment gives researchers of healthcare information on how the patient ...

Capstone Project [Phase]

Computer and Information Science Sharjah Higher Colleges of Technology Literature Review Introduction The project aims to create a website for a restaurant that is yet to incorporate online applications into its functional operations. It is imperative for the restaurant to have a website for allowing customers to see all the foods and drinks on offer without necessarily going to the stores and also for allowing them to pay for their orders on online platforms using their credit cards. Additional advantages the ability to view pricing of varied items alongside the delivery times and pictures of the varied food items ...

The centers for Medicare and Medicaid define an accountable care organization as a group of medical professionals and hospitals, whose aim is to share medical and financial responsibilities for coordinated care to patients (McCarthy, 2013). The team members unite to provide harmonized and high eminence care to the Medicare patients, who visit the medical institutions. The coordinated care that is provided assists in ensuring that patients, particularly the chronically ill patients, have access to timely and quality care. Additionally, it helps in preventing medical errors from occurring as well as reducing pointless replication of services. If the ACO programs ...

Introduction

MasterCard Incorporated is a multinational financial services provider listed on the New York Stock Exchange. MasterCard provides electronic payment cards and other financial services for banks in the United States and around the world. This report will focus on the business environment within which MasterCard operates and how its internal and external environments interact to define its current status as financial service provider. This will include the company analysis which will be an inquest into the internal elements of MasterCard and its activities. The competitors and competition processes faced by MasterCard will be considered. Then the research will provide ...

HITECH legislation and its primary goals

Health Information Technology for Economic and Clinical Health (HITECH) Act of 2009 forms part of a stimulus package that was approved as law in order to champion the use of EHR (electronic health records). Electronic health records possess the capacity to transform the health care sector from a largely paper based sector to reliance on clinical information and other sources of information in assisting the providers to deliver higher levels of quality care to patients (Beasley and Sinsky, 2014). At its core, HITECH has five primary objectives. First, HITECH seeks to augment quality, the safety, efficacy of health care ...

Introduction

Bank typology has grown more complex as more formerly niche banking services gain greater customer bases, encouraging different banks to shift focus from the traditional retail banking format to a more complex and specialized arrays of banking services. Moreover, large banks, particularly multinational companies, maintain their retail operations while serving non-retail accounts, such as businesses, investors, and purely online customers (Pritchard, 2016). Further, certain organizations offer banking-like services to its members, such as credit unions and savings and loans associations (S&Ls). Thus, to manage this typological complexity, this explorative paper covers only primary forms described in its most typical ...

Introduction

Traditionally, the primary role of health care organizations has been the delivery of health care services to the public. However, over the last few decades several changes have occurred in the medical field that requires health care organization to develop new ways of enhancing the quality of service delivery. For example, the current generation is more aware of health issues than it has been the case in earlier decades. At the same time, there are more chronic and life-threatening diseases and conditions affecting populations across the nation and the world in general than it was the case in history ( ...

Abstract

The United States is currently embroiled in a debate on how healthcare should be structured. The Republicans have sworn to repeal the Affordable Care Act. On the other hand, more than 33 million people are not able to afford basic healthcare services, do not have medical covers, and most of them do not have proper employment (Atun, De Andrade, Almeida, Cotlear, Dmytraczenko, Frenz, & De Paula, 2015). Additionally, most middle-income earners cannot afford proper health insurance or afford to pay health care costs off their pockets. Essentially, this is best demonstrated by the high number of bankruptcies filed due to ...

Introduction

TSU has managed to build a business name in the industry in the past few years and has managed to maintain the name and increase the turnover due to the collective duty of each employee in the workplace. Hence, the success of the firm relies on the activities and actions of the employees as well as how they handle their duties and responsibility and ability to work together as a team. Despite the success of the firm, there exist potential areas that the employees can work together and steal from their employers. These are the areas that fraud could ...

Payment methods and technologies have shifted a great deal over the years. Gone are the days where cash and check transactions make up the bulk of the give and take that occurs when people engage in commerce, travel and otherwise spend their money. Credit and debit cards have ruled the roost for a while but some new contenders are starting to emerge. The first major alternative to the conventional credit cards and other more traditional methods was PayPal (PayPal, 2017). However, smartphone-enabled technologies such as Apple Pay, Samsung Pay and Android Pay are starting to dominate the commerce and ...

Introduction

The New York police department exists to ensure that the constitutional rights of all residents in New York are guaranteed by preserving a safe environment that reduces fear, ensures that laws are protected and that peace is observed in the city (Stanislas 22). Regardless of their ranking, all officers are obligated to protect life and property. The New York police department conducts patrols, collects evidence, testifies in court, arrests suspects, enforces laws, completes paperwork, issues citations, and collects evidence (Crank and John 21). The objective of this paper is to detail the process that is followed to become a ...

1. What is the plan year (effective dates)? The Aetna Student Health Insurance plan effective dates, which indicate annual policy year, run from 1st August to 31st July the following year. In the current annual policy year, the effective dates run from 1st August 2016 to 31st July 2017 (Penn State, para 4). There are two enrollment deadlines within annual policy year whereby the deadlines fall in 31st August while the spring enrollment deadline is on 31st January of the year that follows. 2. Whether My Plan Is HMO, PPO or Traditional Indemnity Type The Aetna Student Health ...

Introduction

Earnings or Net Income is the single most important figure in a company’s financial statement for the average investor. Even a small fall in the reported earnings can result in the loss of millions of dollars in stock value and subjects company managements to scrutiny by investors and financial analysts. Corporate executives are under therefore under pressure to meet market expectations resulting in “earnings management”. Earnings manipulations can range from minor adjustments within the law and the accounting standards to the outright fraud of showing non-existing profits (Carruth, 2011). The Sarbanes- Oxley (SOX) Act of 2002 was enacted ...

Now the most advanced integration Union is the European Union, the main forerunner of which European economic community was created in 1957 by the Task that stands today in the EU during the agenda - formation and strengthening of economic, monetary and political Union of member countries. Integration in the EU affects almost all aspects of relations between member States of the European Union - politics, Economics, social and cultural sphere. The relevance of the study due to the importance and special role of tax harmonization in the framework of deepening European economic integration, the development of the unified ...

Austerity Policy Measures in the UK

Introduction The process of putting into place strategic measures with an aim of reducing of deficit and increasing economic growth in the United Kingdom has taken a paradigm shift from various aspects. The government of UK has put deficit reduction measures, which entail a series of strategically sustained reductions in public expenditure, undertaken towards a reduction of the government budget deficit and the UK’s welfare state. The design of this research paper is structured towards assessing the rationale on which the UK’s austerity policy is based with regards to deficit reduction and stimulation of economic growth (Burns, ...

HMRC (Her Majesty’s Revenue and Customs) is a highly complex and large public service organization that resulted from the merger of HM Customs & Excise and Inland Revenue office in 2005. The British government depends on the HMRC organization to find several of their policies and wanted to implement lean to their taxation system. The revenue raised by the organization is in the form of taxation and it is used for funding the welfare state, armed services, healthcare, and other government spending areas (Beech & MacIntosh, 2012, p. 255). The new Department’s goal was to balance its three main ...

Introduction

An organization is regarded as an entity that is made up of people with a collective objective and is connected to the external environment. Hence, a business organization is a group of people collaborating to achieve a commercial objective (Handy, 2005). Toyota Motor Corporation is a Japan based auto manufacturing company with its headquarters in Toyota, Aichi. The company was ranked as the 13th largest in the world in terms of their revenue. It was the largest automotive manufacturer in 2010 ahead of the Volkswagen group and the general motors in terms of their production. The Toyota motor company ...

Introduction

People always say to themselves that the time has not yet come to save and enjoy life it is necessary at the moment. Having reached retirement age they understand that they were too careless. One of the main reasons for careless attitude to the pension savings is debt. A large number of Americans with great difficulty paying residential mortgages repay payments on credit cards. Some people in the US have at least one of these three types of debt retirement. Today, tens of thousands of Americans living in the country, whose age has long passed for 90 years and ...

Introduction

President Obama enacted the Affordable Care Act as a United States Federal statute in 2010. Together with the amendment to the reconciliation bill, it promised to expand health insurance to all citizens at a reasonable cost. PPACA defines the health care as neither the right nor privilege of people but it states that citizens, however, do have a right to “affordable” healthcare, which it tries to achieve through a partnership between the market and the government. The ACA is a result of an evolution of government-funded plans such as Medicare and Medicaid as well as statutes such as HIPAA, ...

Rationale for the stock selection

Since the shares of preferred stocks have dividends that must be paid out before bonuses to the common shareholders, they are the class of ownership in a corporation. Thereby, possessing high claims on the company's assets, common stock, and earnings. It does not carry voting rights. Additionally, the preferred shares more rights as compared to the ordinary shares. Therefore, the rationale for selecting this stock rely on the ability of companies to retain the issue options of buying the common shares at an exercise price with a reasonable discount from the prices of the preferred securities. The accounting and ...

Introduction

The direct method for forming a cash flow statement shows the main categories of total cash receipts and aggregate payments. The simplest way to present the components of received cash and cash payments is by arranging operating cash in such a way the operating cash reconciliations take a separate list. Also, the method has additional items under the operating cash flow section including. For instance, the IAS 7 displays the received dividends under the operating activities. The tables below show the direct cash flows for Aden Group Inc. and Consolidated Subsidiaries. The significant items in the direct cash flow ...

Introduction

Cash management is a complex task though it seems to be an easy job. It is a highly complex as well as detail oriented task. It is very necessary to effectively manage the cash that the company have. If the company fails to manage the cash effectively, then there will be problem in meeting the financial obligations. Failing to manage the cash effectively will affect the company’s operating, financing and investing activities. In sum, the whole cash flow system will be affected. To facilitate the cash management, the company prepares the cash budget and implements the proper cash ...

Social housing project

The social housing program of TOKI Company is targeting the low and middle-income group that are not able to own a housing unit, particularly under the current market conditions. Similarly, when considering the distribution of the housing projects that are realized by the company, about 15% consist of the fund raising method of revenue sharing while the rest of the percentage are the social housing projects (TOKI Housing Programs). On the other hand, the project that is targeting the low income earning people have increased the monthly instalments depending on the increasing rate of the public wage index sector, ...

The first task to perform in the SD case was to Create New Customer and this essentially involved creating the master data for a new customer record. Basically, there are two types of customer data stored i.e. accounting data and sales data. However, there is also the issue of general data about a customer (names, address, email) which is common in both types of data mentioned previously and thus the customer master data was created in three different views (groups) i.e. general data, sales data, and accounting data. New customers can be centrally added such that all data views ...

Since the beginning of the industrial revolution, the world has found itself with more waste material from production than in any other time since time in memorial. The need to conserve the environment and ensure that these waste products do not deter the quality of resources, like air and soil has grown in the last two decades a great deal. More companies have come up with green initiatives to ensure that the waste material that is realised from consumer markets and producers are recycled. Recycling can be defined as the act of converting waste and otherwise harmful by-products to ...

The Marshall Islands are a part of the group of islands called Micronesia. They are a presidential republic that has a free association with the United States. The US provides the country with access to agencies such as the FCC and USPS, defense, and subsidies. The country’s wealth is based on agriculture, fishing and primarily the service industry. Nuclear testing was conducted on the island from 1946-1958. During this time at the Pacific Proving Grounds the US conducted testing of 67 nuclear weapons (Barker). These tests include Castle Bravo which is the largest nuclear test ever conducted by ...

Entrepreneurship Resource planning system

Many organizations in the world have taken the initiative to enhance the quality and efficiency of their operations. As a result, they have integrated entrepreneurship planning software in their systems. Entrepreneurship resource planning system assists global businesses in integrating their vital business functions such as inventory, planning, finance, purchasing, and marketing among many others. Businesses in the world are finding the system of great use because it is able to enhance the efficiency of a business. Since the development of ERP systems, many companies have seen its worth to integrate. In fact, during that time the systems played a ...

Introduction

The debt and equity financing are the basic choices of raising money for a company or growing business (Kokemuller, 2016). However, organizations usually have options for seeking debt or equity financing where the option most rely on the source of funding that can be accessed easily by the company, its flow of funds, and the importance of maintaining control of the firm to its principle owner. Therefore, the debt to equity ratio will indicate the figure of the company’s financing that is proportionately given by the debt and equity. This essay illustrates the strengths and weaknesses of debt ...

Multi-Organisational

Enterprises & System(BNM830) Major: Supply Chain Management Total word count: 5728 Net Word Count: 5023 PART 1 A. Apple Inc. is one organization that is known by many to deliver a diverse and complex product-service system. The firm is a technology organization whose products are of high quality and more available to its clients. The company also provides varied services and has opted to venture into other complex activities that are not common with many, if not all, technology companies (Apple, 2015). One of its best selling products is the iPhone6 brand that is not only available in the ...

Question One

Challenges As highlighted in the Real World Case Study, there are various challenges that organizations face while operating in the global environment. These challenges may be classified into cultural, political, and geo-economic.

Cultural

There are a few cultural issues that companies should considers when implementing IT infrastructure of the global domain. There is a need for IT systems and subsystems to accommodate the cultural preferences. The user needs vary from one country to another; each market has specific needs (O’Brien & Marakas, 2011) Political As revealed in the case study, there are a couple political challenges that firms face in ...

Abstract

In healthcare financial management, health insurance contributes in determining the healthcare services. The fee schedule provides a list of charges reimbursed for service providers and suppliers. Center for Medicare services, CMS, uses the fee schedule to determine the facilities and non-facility in healthcare provisions. Physicians, ambulance and medical equipment services among others help in the determination of the fee schedule by Medicare Physician Fee Structure (MPFS). The study focuses on CPT code 99214-office visit as the reference in the service delivery by the center of Medicare services. The Medicare and Medicaid rates are essential in determination the fee schedule. ...

The chapter under consideration is the Chapter 5, Financial Services: Savings Plans and Payment Accounts. The chapter gives to the reader five important aspects that contribute to the understanding of the personal finances. 1. The first aspect is the selection and use of the available financial services in the market and the factors that influence the decision to select a specific financial service. The selection of the financial service depends on of the needs of the client and the convenience of fees and conditions. One of the financial services is the availability of cash. The cash is the most ...

Chapter 1: Introduction 3

Chapter 2: Financial Performance and Position of TESCO 6 Chapter 3 Financial Management Policy 14 Chapter 4 Investment Strategy 18 Chapter 5 Valuation of TESCO 22 Chapter 6 Conclusion 26 Abstract The present report provides critical analysis of financial positioning of Tesco Plc. For this, the financial data has been gathered for past five years as well as its competitors to critically assess financial positioning of Tesco in the retail industry. The reports highlight the recent issues of Bretix which has significantly impacted economic conditions of the United Kingdom leading to declining the consumer confidence because of triggering inflation. ...

1. Personal Annual Income

The personal annual income is $19,200.

2. Monthly Payment a) The monthly amount is found by dividing the annual income by 12: $19,200 / 12 = $1,600. b) The monthly payment is maximum 33% of the monthly income, which is: $1,600 ∙ 33% = $1,600 ∙ 0.33 = $528.00. c) Maximum required payment (monthly payment minus fees): $528.00 / 1.15 = $459.13.

This is the maximum amount that a person can afford to pay each month for a home loan.

3. Loan Amount Using the Excel table, the maximum amount for home loan was found for monthly payment $459.13 at 4.18% APR for 30 years. This amount is $94,113.00. Thus, a person can afford a house for about $94, ...

Introduction

Information management systems primarily serve the purpose of processing, organizing, storing and allow retrieval of data that businesses, organizations, institutions, and corporations use to their strategic advantage. Varied types of information systems exist ranging from transactional, decisional support, expert, knowledge management, and office management systems among others. The information systems are a paramount strategic niche in the context of the goals and objectives that have to be achieved. Therefore, organizations engage information systems and system analysts or designers to develop, manage and service the system (Chaffey & White, 2010). The organizational system that I chose to illuminate for the purpose ...

1.0 Project introduction and scenario 1.1 Introduction In the recent times, ethical issues have dominated the debates and discussions in the considerable number of disciplines such as technology, business and engineering. On a wider note, the engineering field has received important recognition among other disciplines based on the fact that most actions carried by the practitioners are often challenging and therefore need bold decision-making. The moral reasoning is among the significant challenges in engineering as it involves the decisions to decide where to draw the line between permissible and impermissible actions. The case in this project includes the provision ...

Argumentative Research Paper

Introduction In the recent decades, multiple economic, political and cultural factors have contributed to China’s increasing participation in the global market, particularly in the international retail. The country’s retail market is among the most dynamic in the world today, while the fast and decisive adoption of the technological opportunities for retail operations made China the largest e-commerce market worldwide with the sales revenue of estimated $589 billion as for 2015 (Tong). Chinese retailers readily use the modern technological means to reach both local and foreign consumers, which has led to the dramatic growth of China’s Business-to-Consumer ...

ANALYSIS AND FINDINGS

3. Analysis and Findings 3.1. Introduction 3.2. Analytical Tool – Regression Multiple regressions are performed to assess the relationship of single independent variable i.e. crude oil prices (on Brent benchmarking) with all four dependent variables including Indian GDP growth, Indian Balance of Payments, Exchange rate between INR and USD, and the inflation rate in India. 3.3. Measures for Independent Variable – Crude Oil Price Crude oil is the most commonly traded commodity in the international market. Crude oil price stands independent variable in the underlying study, and same is considered for this purpose of analysis. The Periodic time frame for change ...

 Fire Alarm Monitoring- contact Datawatch and have them change status to “testing” during any inspection or anything that could trigger the fire alarm. Fire Alarm Out of Service: Datawatch is the facilitator for fire alarm services in the building. The code of building is 966, and the contact number of Datawatch service center is 240-683-6520. He will take few minutes to come and resolve all the issues related to fire alarm without charging any additional amount as it is a free service.  Roof Leaks- Call Firestone. We use Tecta America as the company that provides the service. Our warranty ...

(College/ University)

Hong Kong International Airport: Discussions

Ever since it’s opening in the late 1990s, Hong Kong International Airport (HKIA) has grown to become one of the busiest air terminals in the world. At least 90 airliners have services to and from Hong Kong as well as other destinations on the mainland. Noted for its architectural design, efficiency, and service quality, the terminal has over the years have received numerous awards and citations from international organizations. Not only is the HKIA is a centerpiece transport infrastructure for Hong Kong, it is a global air transport terminal that provides significant revenue for the state. ...

Analysis2

E-Commerce in Retail Sector.3 Customer Information..4

Improved Marketing Techniques5

Security Issues7 Conclusion8 References..10 E-Commerce & Retail The emergence of the internet and of computing technology in general over the last generation or so has had drastic and dramatic effects on all of society including both the personal and business realm. Indeed, these new technology has made it easier to spend money, work and so forth in a way that makes one’s home life and work life blend together in many ways. However, this report will focus more on how e-commerce has come into its own as part of this new technology and ...

Dan Price read in an article that employee happiness will increase when they are less stressed due to financial problems (Cohen, 2015). The result of this article is that Price publicly declared a planned increase in the compensation income of Gravity Payment employees, which will reach a minimum of $70,000 at the end of three years (Cohen, 2015). The problem with this perception is that it is contradicted by the study of Stevenson and Wolfers (2009, p.33) where the level of employee happiness within the United States will not increase despite an improvement in their income. Other studies ...

Question 1: Brazil vs. the United States

In 2002 Brazil filed a lawsuit in the World Trade Organization (WTO) Dispute Settlement System challenging the United States farmers for violating most of the trade agreements. The case was touching different farmers including fruits, vegetables and cotton farmers. Brazil looked unhappy by the actions the United States was taking to give its farmers some advantages such as providing grants, subsidiaries which according to the WTO was to be prohibited (Mercier, p.31). Therefore, due to the unfair competition, the US farmers were provided; Brazil decided to seek a resolution from the WTO. The WTO ruled against the United States. ...

The NYU hospitals centre located in New York City is an acute care facility which specialises in providing nursing care, cardiac surgery, general surgery and multispecialty surgical care. It is also responsible for storing data which assists in subsequent treatments of individuals who go through these hospital sections (Medicare Hospital Compare, 2016). The facility also employs the use of both inpatient and outpatient surgery checklists as a way of making sure that only the best in terms of medical care is achieved by the patients. These checklists have been maintained in an electronic system manner making their retrieval process ...

It is well-known that in socially advantaged European countries migrants make native citizens leave their neighborhoods as they gradually become ghettos. Such areas are dangerous through increasing levels of crimes and xenophobic outbursts against Europeans, as migrants set their own rules there. Also, it gets more and more problematic to get a job among the immigrant competitors as they accept low salaries and no social guarantees. Maybe, such problems occur as the majority of migrants do not integrate into another country’s society. They live as though in a closed system, "in the country inside another country", because many ...

Background Study

Encryption is critical in ensuring that virtual security for users and administrators is ensured. In a retail store of the case study model, client information integrity is paramount. With a client base of 5,000 subscribers and downloads of confidential monthly payments, the need for a secure and high-level security level cryptography is paramount. In this paper, a report of the necessity encryption methods adoption by the electronic store is presented. Also, the paper offers the solution of the public key encryption supported by illustrative diagrams for the negotiation stage. As the chief of information technology at the electronics ...

Internal Analysis

The process of internal analysis helps in identifying and evaluating an organization’s capabilities, resources, and core competencies. Internal Assessment The internal assessment has three main components that are resources, value chain, and core competencies. The assessment of these components helps in determining the internal strength of the company.

Resource Based Views

The resource-based view helps an organization to analyze the tangible and intangible resources that are available at the disposal of the firm and can be used. These resources are determined to develop a competitive advantage of an organization. The main aim of the model is to analyze the internal resources ...

Question 1.

As the production will increase, the supply curve will shift to the right, therefore the equilibrium price will decrease, (Figure 1): Figure 1. The increase in production on the mango market Thus, as the quantity of production has increased by 30 % from Q0 to Q1, the supply curve shifts from S0 to S1 and the equilibrium price decreases from P0 to P1.

Question 2.

In agriculture, the term bumper harvest means the unusually high production of a crop. Though some politicians might claim that this benefits the farmers, actually that is not exactly so. Firstly, with the increased production the ...

Personal Financial Planning

Personal Financial Planning

Develop a workable operational budget Make payment to credit cards Formulate a savings plan Long Term Financial Goals for John and Beth Formulate and implement an investment plan Make payments to an investment plan Complete loan repayment Time Frame for Accomplishing Long-term and Short-term Goals Many economists believe that the time frame for accomplishing long-term and short-term goals should be between one and two years (Kaplan & Atkinson, 2015). In the case of John and Beth, the adequate amount of time that shall be required to formulate a workable financial operational budget shall be 2 weeks, while ...

There is a keen interest in the influence of the Internet in the recent years in the Arab World. A particular interest is the impact of Social Media and communication technologies in the Arab World leading to the conflict that began in 2011. However, this paper will focus not on political uses of the Internet, but on the potential economic growth, and how the Internet affects the culture and changes habits of communication, shopping and ways of doing businesses.

The Internet in the Arab World

The whole world has been transformed over the past 15 years by the technology-led transformation. The Internet affected communication and ...

Financial instruments are legally binding agreement documents that have monetary value. They dictate the agreement made between the involved parties regarding a right of payment of an agreed amount.

Mortgage

The mortgage is a security instrument in real estate that refers to a long-term loan that finances an individual’s purchasing ability of real estate. The property being purchased is used as security for the mortgage and the interested buyer is expected to make a regular series of payments without fail. Failure to pay the mortgage as per the agreed terms results in the repossession of the property, and it ...

Ageing of the general population including a greater proportion of the labor force is a global phenomenon (Kulik et al. 930). Due to the magnitude of the phenomenon, employers as well as the employees should be concerned with matters retirement. This is despite the fact that there has been a notable improvement of life expectancy both at birth and at the age of sixty years. However, this observation may differ worldwide with regard to development. Along with the ageing phenomenon, the retirement of the “baby boom generation” has affected the global labor market. Therefore, the significant increase in longevity ...

QUESTION A

Credit Default Swap It is a financial instrument lenders use to hedge default risk. The lender acquires a CDS and pays premiums to the CDS seller who takes the default risk (Lasher 200). If the borrower defaults, then the CDS seller pays the par value of the loan to the lender. The CDS seller also pays the protection buyer accrued interests on the loan during the intervening period.

Cash flows in case of no default

Annual CDS premium = 4% × 1,000,000 = $40,000 Quarterly payments = 40,000/4 = $10,000 A will pay quarterly CDS premiums to B for the three years. At the end of ...

Abstract

Undeniably, the major objective of most organizations is to achieve business growth. Since the business environment has increasingly become competitive, the need to set strategic growth objectives has become essential. Thus, strategic management is needed in all business organizations to facilitate the setting and realization of their goals. The profitability of most companies coupled with the ease of market entry is one of the main causes of increased competition in the market for various products and services. Entrepreneurs identify the weaknesses of an organization in terms of production, delivery, and provision of essential services and improve on these areas ...

QUESTION A

Definition of Credit Default Swaps A CDS is an instrument used to transfer the risk of default or credit exposure between two or more parties (Fabozzi and Kothari, 2008). It protects the lender from the possible loss of default by the borrower. The lender (protection buyer) pays premiums to the CDS seller. In return, the CDS seller guarantees to pay the lender the face value of the loan plus interests due in the intervening period if the borrower defaults.

Cash flows

Annual CDS premium = 4% × 1,000,000 = $40,000 Quarterly payments = 40,000/4 = $10,000 The borrower does not default ...

QUESTION A

A Credit Default Swap is a swap that protects the lender from the risk of loss resulting from the default by the borrower. The protection buyer of the CDS (the lender) makes periodic income payments (CDS premiums) to the protection seller who in return guarantees to pay the lender the principal in case the borrower defaults.

Cash flows when there is no default

Notional amount = $1 million Annual CDS premium = 4% × 1,000,000 = $40,000 Quarterly CDS premium = $10,000 If the borrower does not default, the protection seller will make a profit of $120,000 at the end of the third year ($10,000 ...