Essay on Fair Credit Reporting Act and Personal Finance

Syllabus College of Humanities FP/120 Version 3 Essentials of Personal Finance Copyright  © 2012, 2011, 2009 by University of Phoenix. All rights reserved. Course Description This course provides an overview of the elements necessary for effective personal financial planning and the opportunity to apply the techniques and strategies essential to this understanding. Primary areas of study include creating and managing a personal budget, understanding and paying taxes, working with financial institutions, wise use of credit cards and consumer loans, financing automobiles and homes, and the use of insurance for protecting one’s family and property. Policies Faculty and students/learners will be held responsible for†¦show more content†¦Participation Participate in class discussion. Post at least two substantive posts on four separate days of the week 2 Discussion Questions Respond to weekly discussion questions. Reply to at least three DQs for the week 2 Nongraded Activities and Preparation Annual Credit Report Go to www.annualcreditreport.com, a site authorized by the Federal Trade Commission to provide free consumer credit reports. Explore the Frequently Asked Questions section to learn about credit reporting, credit improvement, information correction, identity theft, and other topics. Learning Team Learning Team Charter Create the Learning Team Charter. Day 5 2 Individual Current Economic State Write a 350- to 700-word paper in which you research the current state of the economy. Include answers the following: †¢ Is the current economy expanding or contracting? Why? †¢ What is the current prime rate? †¢ What are the current interest rates on credit cards? †¢ What is the current unemployment rate? †¢ What is the current inflation rate? †¢ What is the current Gross Domestic Product (GDP)? Illustrate your answers with specific examples. Conclude your paper by summarizing how the state of the economy influences an individual’s personal financial choices. Format your paper consistent with APA guidelines. Day 5 5 Learning Team The Five C’s Worksheet Complete Appendix E: The Five C’s Worksheet. Identify which of the five C’s corresponds to eachShow MoreRelatedCredit Reporting And The Major Players1062 Words   |  5 PagesThe credit-reporting system and the major players I. Credit-reporting agencies Credit-reporting agencies are charged with collecting, storing and maintaining information on consumers and some businesses. The agencies primarily store debt repayment patterns of consumers, but some may also store and report debt repayment behavior of small businesses. Traditionally, credit-reporting companies have been known to focus on consumers’ payment patterns. 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Analysis of Business Applications in BIA Company †Free Samples

Question: Discuss about the Analysis of Business Applications in BIA Company. Answer: Introduction The company Benefit Investment Agency is considered to be a very old department of the government which was established in the year 1940. Its main business purposes include providing financial services to the public servants and the clients associated with superannuation funds. Moreover, in the year of 1970, their business service was expanded to meet the demands of the financial services. Their services include life insurance, superannuation (management and planning), financial planning based services and related aspects. These were mainly provided for the employees of the state government and the public servants retiree. The utilization of business applications are mainly involved with the analysis of the associated problems with the system such that it can be addressed in a proper way. This helps in meeting the demands of the business and on the same time reduce the resource needed for achieving them. The business applications can be termed as application specific software which is intended for the sole purpose of solving only one requirement. For this reason, these applications are developed in many companies and systems for meeting the demands of the system. This report lists all the problems associated with the BIA system. This report also lists the stakeholders of the system. Lastly, the tools and techniques that can be used for the analysis of the system problems are also been discussed in this report. No changes in infrastructure: The Company has made no changes in their current infrastructure due to the fact the staff associated is not taking any action. Higher customer services: The Company is mainly involved in providing higher customer services to their clients. This has led the clients to come and have a long conversation with the staffs. This results in the company losing some of their revenues in addressing this. Government related problems: The changes in the government policy due to the passing of newer legislation were the first problems ever faced by the company. The government forced the company to change their status to a profit making organization. This was followed by the company to show their profit and losses and maintain taxes. Moreover, the main consideration of the government was that the company must not get loss from their services. Changes in policy: The changes in the policy of the superannuation as imposed by the government made the company very financially weak. This was mainly because there were a lot of processes involved in the compliance policies for superannuation and thus, this resulted in the increase of cost of the services to maintain profits. As a result, this had to be considered for keeping the business alive in the market. Lack of modification: The maintenance of the business application has been considered for meeting the demands of the business. However, the old staffs of the company are not able to modify the system. Industry competition: As the company rates for services were considered to be very high as compared to the industry standards, the need to address them was required. This is mainly to be done for retaining the public service customers as they are getting a choice for investing their superannuation funds in whichever service they want. Outsourcing business: The Company has decided to outsource their business system to Alcatraz who is comprised of staffs for the modern system. As a result, the company is being charged much for the services. Risks: The policies of the government have been subjected to changes in the system and Hugh is aware of the fact that the involvement of SAS is a risk to the system. Programming language: As the company was involved with the use of COBOL programming language for their business applications, it became a problem to maintain them. Moreover, it was done by outsourcing the applications to Alcatraz Company which was responsible for considering their business solutions. This was also responsible for increasing the cost for maintenance as they were charging much amount due to this. Staff based problems: The front office staff of the company considered themselves to excel in their services but this is the reason for the allocation of company resources. Replacing staff: The Company has been recommended to outsource their solutions to a BPO which will replace the staff networks of the company. Problem specification For this report, the IT related problem is adopted. The requirement for solving the IT based system is considered for this section. The IT based problem needs to be solved because an old system which runs in the COBOL programming environment is costing a lot to maintain by the company. Moreover, the third party company is also asking for a much amount to BIA Company for maintains their system. This result the companies to lose a lot amount of resources for maintaining them. As a result, this must be solved in an effective manner such that it can be used to meet the demands of the business in the future. Approach to the problematic situation Problem/Situation Absolution The manager of the company can try to ignore the problems. This will lead to the company incurring losses from their business. Resolution The company can decide to implement past experiences of outsourcing. This will remove the old staffs in the system and will give rise to remote monitoring. Solution: This problem is to be treated with the highest priority as this is the main business application which supports the processing of the company. In case the company is able to make in-house software system by considering all the demands associated of the businesses it can be able to meet the requirement with a lesser amount of expenditure faced for achieving them. Dissolution The company can change the aspect of their environment by reducing the time spent by the customers for counseling. This will reduce the customer satisfaction rate. According to the four ways of Russel Ackoff framework, the need to consider the solutions is required. This will be done by adopting the third aspects of the framework which involves making a solution. This will be done by commissioning the development of a project which helps in developing a system by using recent programming languages like Java or C (Forouzanfar et al. 2015). This will involve researching against the problem and analyzing for alternatives. In cases like this, the application of alternatives involves the adoption of third party solutions which will be responsible for acquisitioning charges for maintaining their solution. Specification of the problems Problem name Description No changes in infrastructure This is a soft problem as this is dependent on the management decisions perception. Higher customer service This is a problem of the soft level as the satisfaction level is dependent on the type of services received. Government related problems This problem is termed as a hard problem mainly due to the fact that this problem is well-defined by the government associated. Changes in policy This is also a hard problem as this is also legislated by the government of the country associated with the company. Lack of modification This is a soft problem as this is dependent on the perceptions of the clients. Industry competition This is also a soft level problem as the market share is not regulated by the company. It has high liquidity rate and can be subjected to changes very often. Outsourcing business This is a hard problem as the regulations regarding the current system of BIA are maintained by Alcatraz. Risks This is also a hard risk as the policies are mainly due to the government regulations. Programming language This is a soft problem as the policies are dependent on the regulations of Alcatraz. Staff based problems This is also a soft problem as this is dependent on the perception of the front end staffs. Replacing staffs This is a hard problem due to the fact that the current staffs will be removed and remote monitoring will be provided which will be regulated by Alcatraz. Stakeholders There are various stakeholders who are associated with the company. Government: The first stakeholder is the government and the need to maintain their actions is required. Clients: The next group of stakeholders is the customers or the clients associated with the company. They are the main source of income for the company (Restrepo, Uribe and Manotas 2018). Employees and staff: The third stakeholders are the employees who are responsible for the normal processing of the business operations. Alcatraz or the third party companies: The last stakeholders are the third party companies and the competitor companies. They are required for meeting the business objectives like staying on top of the market. There are various methods and tools which can be utilized for analyzing the network of the current business system (Reason 2016). This can be done by making a data flow diagram or by making a class diagram. Another network analysis tool is the sequence diagram and the UML diagram. These four tools are used for making an analysis of the processes involved. Conclusion Thus, it can be concluded that the company must include the development of its own resources if they need to consider the survival of their business processes. This will be done by addressing all the associated problems of the company such that the business prospects will survive. This report has thus listed all the problems that have been faced by the company. This report has also made a discussion of the associated problem and the stakeholders associated to it. Moreover, a problem description has also been discussed in the report along with a rich picture diagram depicting the whole process. References Barth, R.P. ed., 2017.Adoption and disruption: Rates, risks, and responses. Routledge. Forouzanfar, M.H., Alexander, L., Anderson, H.R., Bachman, V.F., Biryukov, S., Brauer, M., Burnett, R., Casey, D., Coates, M.M., Cohen, A. and Delwiche, K., 2015. Global, regional, and national comparative risk assessment of 79 behavioural, environmental and occupational, and metabolic risks or clusters of risks in 188 countries, 19902013: a systematic analysis for the Global Burden of Disease Study 2013.The Lancet,386(10010), pp.2287-2323. Gupta, A. and Jha, R.K., 2015. A survey of 5G network: Architecture and emerging technologies. IEEE access, 3, pp.1206-1232. Kittelmann, S., Buffry, A.D., Franke, F.A., Almudi, I., Yoth, M., Sabaris, G., Couso, J.P., Nunes, M.D., Frankel, N., Gomez-Skarmeta, J.L. and Pueyo-Marques, J., 2018. Gene regulatory network architecture in different developmental contexts influences the genetic basis of morphological evolution. bioRxiv, p.219337. Ladd, D., Reeves, R., Rumi, E., Trethewey, M., Fortescue, M., Appleby, G., Wilkinson, M., Sherwood, R., Ash, A., Cooper, C. and Rayfield, P., 2017. Technical Description of a Novel Sensor Network Architecture and Results of Radar and Optical Sensors contributing to a UK Cueing Experiment. In Advanced Maui Optical and Space Surveillance (AMOS) Technologies Conference. Pezeshki, M., Fan, L., Brakel, P., Courville, A. and Bengio, Y., 2016, June. Deconstructing the ladder network architecture. In International Conference on Machine Learning (pp. 2368-2376). Reason, J., 2016.Managing the risks of organizational accidents. Routledge. Restrepo, N., Uribe, J.M. and Manotas, D., 2018. Financial risk network architecture of energy firms. Applied Energy, 215, pp.630-642.

Ferdinand Marcos Essay Example For Students

Ferdinand Marcos Essay Ferdinand Marcos’s Regime In about two months it will be the elections here in the Philippines. As I ponder about the candidates for president my mind goes back to all the history lectures I had about Ferdinand Marcos and his regime. He held the presidential seat for about twenty-one years and his time in power and even after power has always been controversial. I usually take cabs to get around, and it is common for cabs to have their radio on usually on the news station. Here in the Philippines, it is almost as if politics is the only news. It is what you’ll hear all day. As I sat in a cab one day and listened with the driver about the top presidential candidates Ninoy Aquino and Manny Villar, I started thinking about how either of them would lead this country that is struggling. I asked the driver who he was going to vote for and he said he didn’t know. He said he wished that there was someone like Ferdinand Marcos that he could vote for. Someone who will lead with a clear vision of the country’s direction. When he dropped me home, I researched about the presidency of Ferdinand Marcos. I asked myself how the taxi driver could ask for a person like Ferdinand Marcos while his regime was covered with controversies but then I recalled what my grandfather had told me years ago. He said that during the time of Marcos the Philippine was strong economically and that the country was advancing on an international level. My grandfather also told me though that although the country was strong it still had its flaws such as corruption, embezzlement issues and human rights violations. I believe that Marcos’s regime in the philippines was a significant event in history. There are frightening unproven stories about kidnap and murder and people disappearing during his years in power but I would like to have been there to see first-hand how the Philippines was during his rule. They say that it was beautiful, advancing and developing at a rather fast rate. I want to be able to judge for myself if Marcos was a good president or a corrupt and abusive one. I want to be there and see if his time was better than the one I live in now, if the Philippines was better under the hand of a man with a so called iron fist. Maybe a leader with an iron fist is what this country needs. As I researched about his regime I also came across an article of Marcos being blamed for Benigno Aquino’s assassination. As I read more about it I learned more about Aquino and compared him with his son who is now possible the next president of the Philippines. Aquino wanted Marcos’s regime to stop, if he had not been assassinated though will he be able to lead the country in the same level Marcos did without ruling with an iron fist? Will his son now we a good president if he is elected? Marcos’s rule was both a good and bad time in Philippine history, its so confusing but so sognificant, so controversial from economic strength which was good to martial law which people see as bad. It was a turning point in the country’s history. That is why I think it is significant, that’s why I chose it as my paper. That’s why if I could travel in time I’d like to be there to see it for myself.

Why Is Marijuana Legalized In Some States And Not Others

Table of Contents Introduction The Pros of Legalization of Marijuana The Cons of Legalization of Marijuana Conclusion Reference List Introduction Marijuana is a dangerous drug especially when misused and remains the most widely used illegal drug. Its source is the cannabis sativa plant from which flowers, leaves, and stems are mixed to make up the drug. Just like any other drug, it has some side effects on the consumer’s health for instance it cause difficulty in thinking and hence affecting problem solving, affects the memory and learning, leads to poor coordination and distorted perception.Advertising We will write a custom essay sample on Why Is Marijuana Legalized In Some States And Not Others? specifically for you for only $16.05 $11/page Learn More It however has positive medical effects such as its use in cancer chemotherapy. There has been heated debate on the concept of legalization of marijuana especially due to the fact that it has got both positive and negative effects on an individual’s body. I am personally for the legalization of the drug as the negative effects are outweighed by the positive ones. The Pros of Legalization of Marijuana Legalization of marijuana entails granting the American people the permission to legally grow, trade, and even ingest marijuana. Some of the arguments for the legalization of marijuana include the fact that the drug is not as harmful as tobacco or even alcohol especially when taken in moderate quantities and the use of these two substances are legal despite their harm. Marijuana is also an essential drug in respect to the medical benefits accrued to it for instance in diseases like glaucoma, HIV AIDS and cancer especially in the chemotherapy sessions. The step towards prohibiting marijuana in most states in America has also exacerbated the indulgence in criminal activities as people find their way towards the use and trade in marijuana which could be avoided through l egalization and campaign for its proper use. Marijuana is also a very important source of income in the United States and the act of legalizing it would therefore result in more tax revenues (White, 2011). The Cons of Legalization of Marijuana Some of the drawbacks associated with the legalization of marijuana in the United States include the perception that the use of marijuana is immoral especially when based on religious and ethical grounds and hence its legalization is viewed to be a promotion of immorality and bad behavior. The use of marijuana is also considered to be an initial step towards the use and addiction to other harder drugs (like cocaine and heroin) and therefore its legalization is deemed to be an enhancement towards the use of all other drugs. The use of marijuana through smoking is also not only harmful to the user but also to the others who may inhale the smoke in the surrounding hence it is considered very harmful to the entire society.Advertising Looking for essay on health medicine? Let's see if we can help you! Get your first paper with 15% OFF Learn More Another argument against the legalization of marijuana is the belief that it would increase the level of crime as those who are involved in the illegal business of marijuana are linked with other crimes and their imprisonment would reduce the chances for criminal activities (Ruschmann, 2004). Conclusion The reason for legalization of Marijuana in some states and not in others is due to the fact that different states view the use of marijuana differently, for instance, those that have recognized its essence in medical field such as in the chemotherapy of various diseases like California support its legalization. I consider the legalization of marijuana to be a positive step as its prohibition entails intrusion of personal freedom and just like any other substance it is only harmful when it is not taken in moderation. The pros of legalizing marijuana also outweigh the con s and the understanding of the benefits associated with marijuana is likely to change the mind of those opposing it. The prohibition will also not limit marijuana use and therefore there should be strategies towards its legalization combined with campaigns aimed at enlightening the people on the effects of its use. Reference List Ruschmann, P. (2004). Legalizing Marijuana. New York: InfoBase publishing. White, D. (2011). Pros and Cons of Legalization Marijuana. Retrieved from https://www.thoughtco.com/pros-and-cons-legalizing-marijuana-3325521 This essay on Why Is Marijuana Legalized In Some States And Not Others? was written and submitted by user Harley Finch to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Sample Paragraph Essay on How to Get Straight a Woman

Sample Paragraph Essay on How to Get Straight a WomanA sample paragraph essay on how to get straight a woman is a must for you. You do not have to be a writer, but it would help if you could draft and complete this type of paper as a guide.It can be used to give you simple ideas about women and how to get straight. In fact, when I was in college, one of my friends left the word man behind in his paper. It made for a funny occasion when she met some friends.In high school science class, you learn about the different things that exist and that there are no two things alike. You should write an essay on how to get straight a woman to convey that you are not superficial and you are not only looking for sex.You can also use this sample paragraph essay to find out how to get straight a woman. When you show her that you are serious about your goals, she will naturally follow suit. If you try to play games with her, she will run away. Show her that you are serious about her and make her laug h.A sample paragraph essay on how to get straight a woman can be simple. Just tell her why you are writing about her and what you want to discuss. Try to explain how you have read all the information available on her and learned a little bit about her so that you can understand how to get straight.When you write a sample paragraph essay on how to get straight a woman, you can give her a bit of history about her life and how it relates to yours. You can tell her about her friends and relatives and, if they have ever dated other people. Show her that you know where she comes from and that you care.After you have finished your sample paragraph essay on how to get straight a woman, she will start to tell you a bit about yourself as well. She will tell you about your interests and hobbies and any special talents that you have.Women will always find ways to avoid talking about themselves. You need to have a sample paragraph essay on how to get straight a woman to get her attention. This i s the one that will get her to notice you.

Women impact on jazz music essays

Women impact on jazz music essays As the progression of jazz has moved over time, Women have stepped in and made a huge, positive impact in many different ways. Bessie Smith was one of the United States most amazing female jazz artists ever performing. Her life started off hard. Her family lived in poverty. Lack of money didnt stop Bessie. She started off in small honky tonk tents, (SOURCE NUMBER TWO) and singing on street corners. As time progressed she moved up in the life and worked as a dancer, She also showed a natural flair for comedy (Smith, Bessie Microsoft Encarta 2001) Finally, In February 16, 1923 her big break came when she had her first recording session. She recorded two songs, Down hearted blues and Gulf coast blues (SOURCE NUMBER THREE). After that, Bessie career really began to move along when in 1929, she stared in a reel film St. Louis Blues. This was during the Great Depression, when most people needed money, Bessie was doing just fine. Once Bessies name was known, she had the opportunity to perform at many wonderful locations. One of the most notable was New Yorks 52nd street in February 1936. Bunny Benigan and Joe Buskin backed Bessie. (SOURCE NUNBER TWO) As Bessies professional life progressed, her personal life did as well. She was married to a man named Jack Gee and adopted one son, they named Jack Gee Jr. Her career started to get the best of her and she began to have problems with alcohol ...

27 Ways to Use the Verb Fare in Italian

27 Ways to Use the Verb Fare in Italian The verb â€Å"fare† is one of the most diverse verbs in Italian. You can use it to ask how the weather is and to talk about an upcoming trip you’re taking. You can use it to tell someone you’re going on a walk and that you’re waiting in line. In short, you can express yourself in a lot of ways using the verb â€Å"fare.† Since the verb â€Å"fare† is derived from facere, a Latin verb of the second conjugation, it’s considered an irregular second conjugation verb. It doesn’t follow the regular pattern of conjugation (infinitive stem endings). How to Conjugate â€Å"Fare† Fare (to do, to make) is conjugated in the present tense as follows: io faccio noi facciamo tu fai voi fate lui, lei, Lei fa loro, Loro fanno Fare also has an irregular past participle: fatto. Ways to Use the Verb â€Å"Fare† IDIOMATIC EXPRESSIONS USING FARE fare i compiti to do ones homework fare il biglietto to purchase a ticket fare la fila / la coda stand on line / wait on line fare la spesa to go grocery shopping fare le spese to go shopping fare forca to play hookey fare vedere to show someone something fare una domanda to ask a question fare una fotografia to take a picture fare una passeggiata to take a walk fare colazione to have breakfast fare un viaggio to take a trip fare un capello in quattro to split hairs farsi la barba to shave farsi coraggio to take heart fare castelli in aria to daydream fare fingere to pretend, make believe fare male to be painful, to ache farsi in l to step to one side fare di tutto to do everything possible fare del proprio meglio to do ones best farsi degli amici to make friends fare alla romana to split the check fare il pieno to fill up the gas tank fare passare to let through The Weather- Il Tempo The verb â€Å"fare† is used in many expressions relating to the weather. Che tempo fa? - How is the weather?Fa bel tempo. - The weather is nice.Fa cattivo tempo. - The weather is bad.Ha fatto caldo. - It has been warm.Qui fa sempre freddo. - Its always cold here.In primavera fa sempre fresco. - In spring, its always cool. Note!: In the preceding examples, it is an impersonal subject and is not translated into Italian. The verb â€Å"fare† expresses the basic idea of doing or making, as in â€Å"fare gli esercizi - to do exercises† and â€Å"fare il letto - to make the bed,† but is is also used in many idioms. Proverbs with â€Å"Fare† Besides idiomatic expressions, the verb â€Å"fare†   is used in a number of proverbs. Fare e disfare à ¨ tuttun lavorare.- Its all go, its a hard life.Chi la fa laspetti.- You will get as good as you gave.Chi fa da sà © fa per tre.- If you want something done, do it yourself.Non fare agli altri cià ² che non vorresti fosse fatto a te.- Do as you would be done by.Tutto fa brodo.- Every little bit helps.Chi non sa fare, non sa comandare. - A bad worker is a bad master.