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Honest Vino Case Summary
The report of Honest Vino's harvesters' replacement frequency Summary This report will examine
why the company, Honest Vino, should replace the selected harvesters every 15 years rather than
every 10 years by Discounted Cash Flow (DCF) method. Based on the Vineyard's and harvester's
details, the Annual Equivalences (AE) of both replacement frequencies were calculated and
compared under the constant chain of replacement assumption. However, the specific assumptions
must be held in this analysis. Methodology There are two options for the harvesters: replaced every
15 years or every 10 years. They are mutually exclusive investments having unequal lives with
replacement. In order to maximise the firm value, the method of AE was used since the two projects
have the same discount rate, and AE method converts the NPVs of the projects into annualised
values which can be compared under this situation. The optimal option is the one with higher AE
when evaluating ... Show more content on Helpwriting.net ...
Specifically, the calculative formula is: AE=NPV/{[1–1/(1+r)^n ]/r}. Additionally, the calculation of
NPV is based on the discounted cash flows. Compared with other DCF methods, AE considers the
time, the amount of value and the risk of the cash flows. Other DCF methods are not appropriate for
this situation. For example, the Benefit–Cost Ratio (BCR) method does not take the size of
investment into account and does not consider for replacement in investment. Another method is
Internal Rate of Return (IRR) method, which may have multiple IRRs or no IRR, and does not
consider magnitude of value. Therefore, AE is the most intuitionistic evaluation method to value and
compare mutually exclusive investments. It indicates the investment's NPV in an annualised
presentation, which takes into account timing, magnitude and discount rate.
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Advantages And Disadvantages Of Nbfc
2.12.1 Bank Finance to Registered NBFCs
In the context of mandatory registration of NBFCs with the Reserve Bank, as also consistent with
the policy of bestowing greater operational freedom to banks in the matter of credit dispensation, the
ceiling on bank credit linked to Net Owned Fund (NOF) of such companies has been withdrawn in
respect of all NBFCs which are statutorily registered with RBI and are engaged in principal business
of equipment leasing (EL), hire–purchase (HP), loan and investment activities. (RBI Notification
/2004–05/14)
2.12.2 Bank Finance to NBFCs not requiring Registration
In respect of NBFCs which do not require to be registered with RBI, viz.
i) Insurance Companies registered under Section 3 of the Insurance Act, ... Show more content on
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The following activities undertaken by non–banking financial companies engaged in leasing
activities are not eligible for bank credit. As such, these items should be excluded from the build–up
of current assets while arriving at permissible bank finance for all categories of NBFCs:
a) Bills discounted/rediscounted by NBFCs, except where specifically permitted;
b) Investments made in shares, debentures etc. of a current nature, i.e., stock–in–trade;
c) Investment in and advances to subsidiaries, group companies or other entities; and
d) Investments in and inter–corporate loans/deposits to other companies. ii. In respect of items
indicated at (a) and (b) above, banks should not make any adjustment in the projected net working
capital (NWC). It may be added that the projected NWC represents long–term surplus available to
support current operations and, therefore, does not need to be adjusted as a result of
changing/pruning the level of current assets while reducing the level of maximum permissible bank
finance. (RBI Notification, 2009)
2.15 Acceptance of Public Deposits by NBFCs engaged in Lease
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Community Case Study
Respondents Carmen Marine Cooperative and Cagan Management Group, Inc. (Respondents) deny
that they retaliated against Complainant based on a previous Complaint filed at the Commission or
failed to accommodate based on her son's disability. Respondents state that Complainant and her
husband applied for membership in the Cooperative in April of 1999, for a two–bedroom apartment
for themselves and their son. They were approved and on May 13, 1999, Complainant and her
husband purchased their membership. Soon after, Complainant, her husband, and minor son
Anthony moved into unit 1409.
As to the noise, Respondents assert throughout Complainant's membership, they have received
numerous noise complaints from other residents about the noise ... Show more content on
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Department of Housing and Urban Development regulations and maintains its waitlists according to
the policy delineated in the Cooperative's membership selection plan. Respondents state that they
determine priority based on the following the HUD regulations and [Cooperative] documents.
Respondents state that the Cooperative should always accommodate qualifying family size at the
time application [is] filed, and must meet family needs according to agreement regulations. Family
size should always have priority over a single applicant. In case of the same family size applicants,
seniority will have priority.
Respondents state that Complainant filed an application for a three–bedroom unit in 2006 and was
placed on the waitlist. Respondents explain that the Building has a limited number of three–
bedroom units so it is not unusual that applicants would remain on the waitlist for an extended
period. Respondents continually audit the waitlist to ensure that all applicants are properly qualified
for and still desire a three–bedroom unit. Respondents state that on November 14, 2014, in response
to an audit, Complainant confirmed that she still desired a three–bedroom unit and had a family size
of four people. Respondents state that there was no indication that the request for a larger unit was
as a reasonable accommodation for Complainant's son and husband's disability
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HOW TO SOLVE THE FORECLOSURE CRISIS
HOW TO SOLVE THE FORECLOSURE CRISIS
What do we think when we hear the word "foreclosure"? Most people realize that it's definitely
something that is not good, some say that it's when someone fails to do something, but those people
don't really know the meaning of it. But before I present my idea let's review the meaning of such
process:
From the website of InvestorWords.com foreclosure Definition
The legal process by which an owner's right to a property is terminated, usually due to default.
Typically involves a forced sale of the property at public auction, with the proceeds being applied to
the mortgage debt.
The issue of the foreclosure crisis is a controversial one. On the one hand, from the buyer's point of
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I truly believe that we must bring together all parties involved (buyers, sellers, bankers, consultants,
government officials, and regulators as well), since the problem equally affects all parties; it's in for
the best interest of everyone to listen, analyze and share the best possible solution available. I
propose to create a Housing agency at the federal level named "The People's Housing Cooperative"
which monitors and regulates the creation, operation and compliance of the housing industry,
membership will be voluntary, it's implied that all states and territories will comply, and bind to the
agreement.
To begin with, "The People's Housing Cooperative" will be based on the following components for
a typical house model:
1. Land: which is referring to the physical location in which the structure was and/or has been built.
2. Construction Materials: which is referring to all materials utilized to erect a house including
exterior and interior fixtures.
3. Labor: which is referring to the physical activity employed by many persons to erect the house?
The cooperative approach works in the following way, anyone interested in acquiring a house
(which ranges from a single family story unit and/or up to a multiple story building) must be willing
to work during the construction phase of the unit without any compensation due to the person (later
on, that time spent will
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Peace Kawomera Coffee Cooperative Case Study
Table of contents
1.0 EXECUTIVE SUMMARY
2.0 The cooperative success is based on
2.1 Objectives
2.2 Mission
3.0 The summary of the cooperative
3.1 Cooperative ownership
3.2 History of the cooperative
4.0 Short term plans for the cooperative
5.0 Long term plans for the cooperative
6.0 Production and products
6.1 SWOT analysis
7.0 Market analysis and plan
8.0 Strategy and implementation
9.0 Risk management plan
10.0 Management summary
11.0 Calendar of important activities each season
12.0 Financial plan
12.1 Appendix 1 Financial statement
12.2 Cash flow
13.0 Reference
1.0 EXECUTIVE SUMMARY
Peace kawomera coffee cooperative produces Arabica coffee through its 6200 membership of small
holders which it processes and sells to overseas nations USA to its roasters in Thanksgiving coffee
company and COEXIST FOUNDATION AMERICA. The cooperative is to increase ... Show more
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2.2 Mission
To improve the economic livelihood of the 6,200 small holder individual coffee farmers registered
with peace kawomera in Mbale district through direct export of their coffee to international coffee
markets
This will not only safeguard the interests of 6,200 small scale coffee farmers, but also facilitate the
maximization of returns from their coffee sales proceeds creating a sustainable community.
3.0 The summary of the cooperative
The cooperative runs an organic certified scheme with its farmers headed by a democratically
elected farmer board members who oversee the management, it only buys coffee from the small
holder certified farmers in parchment form, processes it and bags it in 60kg bags and exports. It
mainly sells its coffee to two American roasters of high quality coffee.
3.1 Cooperative
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The Pros And Cons Of Group Health And Kaiser Permanente
Founded in 1946, Seattle's Group Health Cooperative was created by doctors and community
members who believed that there needed to be a health care program that was affordable, member
centered, and held principles of social justice. This cooperative was one that had been successful for
many years, but just recently was acquired by the not for profit Kaiser Permanente health–care
company on February 1, 2017 for 1.8 billion dollars. Although Group Health is a cooperative and
Kaiser Permanente is a nonprofit healthcare company, they have similar views on how they run their
companies because both have missions to put their members and employees first. This is something
that the articles stressed because this merge is going to affect thousands of members and employees.
I plan on focusing on the process Kaiser Permanente had when wanting to take over Group Health
Cooperative, the pros and cons of the final decision to merge the two healthcare programs, and
ultimately how Group Health's marketing and management strategies will be implemented in the
merge. (12)
Back in December of 2015, Kaiser Permanente planned to acquire Group Health Cooperative for 1.8
billion dollars with a proposition to invest $1 billion in new equipment, staff, facilities and research
in hope to improve health in Washington state. In the Advisory Board's article Eyeing growth,
Kaiser announces first major acquisition in over a decade it says, "these deals are focused on
delivering a better product to
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Case Study: Go Global or No
Case study: Go Global or No
Abstract
Greg McNally, the CEO of the DataClear had owned the data analysis market for two years to itself.
But British VisiDat had starting to compete by producing beta testing of data analysis package.
DataClear had the potential to expand their business in other industries such as the chemical,
petrochemical and pharmaceutical or expand overseas to prevent their business from going down
and beaten by the competitor.
Issues
As the British VisiDat starting to sell similar product, the data analysis package market will not
owned to the DataClear anymore. Worst, if the VisiDat are entering the global market, the DataClear
performance will badly pressured if they did not take any action quickly. The CEO of ... Show more
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They are lack of experienced to do business across–border, so they did not yet prepare to do so.
They did not have international sales strategy and the CEO also lacks of international management
experience. If they interested to go global, they have the opportunities to joint venture with Benro
which are familiar to the Europe. As that can reduce the cost by making Benro as the distributor of
their software, Benro also familiar to the Europe culture. Even so, they have many threats that
trouble them to maintain their performance. As they are starting to have competitors, they must do
something to assure their business survives. If they decides to expand internationally, they must
account the high cost of starting up business in other country. Besides the different language and
culture, they lacks of expertise to recruit local quality staff. They also might faced difficulty to
transfer their fragile installations equipments. Based on the CAGE framework, shows the analysis of
the condition of the company if they want to expand their business internationally. In cultural
distance, obviously, they use different language and have different ethnicities. If they want to run
business in other country like Japan, they have to know the social norm in the country. Like in
Japan, they detailed their works perfectly and not likely to take risk and choose the safest option
while the U.S people are risk
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Business Owners Of Sole Proprietorships And Partnerships
I. Introduction
When the term "salary" comes to mind, people reference employee wages and the taxes paid by both
the employee and the employer. However, the term has a slightly different meaning when it comes
to payment of business owners. There are many options on how business owners can be paid, but
the options are based on the business entity election. Business owners of sole proprietorships and
partnerships do not receive a real salary; instead they receive profit distributions from business
operations. Profits from a partnership are then divvied up based on the ownership percentage of
each partner. They are not responsible for paying the FICA tax, but they do need to pay self–
employment taxes and quarterly estimated taxes. Business ... Show more content on Helpwriting.net
...
The first major source include the services performed by the shareholder (i.e. administrative tasks &
daily business tasks) in which require compensation to be awarded from distributed profits. The
second and third major sources include acquired profits from non–shareholder employees as well as
equipment and capital added to the business. The profits that are distributed from these sources are
indirectly created within the business and are to be distributed as compensation and dividends (S
Corporation Compensation and Medical Insurance Issues 2016).
The IRS knows that business owners are not keen on paying taxes, so they have put together a list of
rules to make sure that business owners are compensating themselves. One of the biggest
advantages of electing the S–corporation status is being able to take a salary as well as distribute
profits to shareholders. However, determining the amount of the business owner's salary can be
problematic. Since Mr. Jones and Mandy are going to take salaries of $180,000 and $70,000
respectively, the IRS is not going to notice red flags. Another key point is that profits should be
divided in a way that salaries are more than distributions. The 60/40 split allows Mr. Jones to claim
60% of all profits to be distributed, nothing higher or lower. If Mr. Jones' company made $100,000
one year, he could not claim anything higher
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The Great Canadian Real Estate Crash Of 2013
Toronto is the largest condominium market in North America followed by Montreal, Calgary, and
Vancouver along with Halifax and St. Johns. Up until 2013 the market had been growing and
especially booming in Toronto. In 2013 this high condominium purchasing rate attracted the
attention of the Bank of Canada, and the question was posed whether satisfying this high demand,
including from foreigner's side, was a good thing for the market. Following that, the banks became
more "cautious" when lending funds for construction or to purchase a unit. Low interest rates were
believed to be favouring the booming demand. An increase in interest rates was believed to be a
serious threat, however the probability of that happening was perceived as low in ... Show more
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The upward trend in condominiums ownership by individuals is seen in the numbers: in 1971 only
5% of all condominiums were occupied by private owners, whereas in 2001 this number reached
19%. In the same year two of every three apartments formed part of a condo. In 2001
condominiums accounted for 8% of all real estate in metropolitan cities, while they were only 1% of
all real estate in smaller cities or in rural areas. There was a difference between the major
metropolitan centers. Almost one fifth of privately owned real estate in Vancouver in 2001 were
condominiums, 70% of which were apartments. In Quebec City and Montreal this number was 80%,
whereas it was 50% in such cities as Edmonton, Calgary, and Ottawa dominated by "row houses"
(Canada Mortgage and Housing Corporation, 2004).
Immigration, Migration and Population
Search for employment within a province and nationwide had led to an increase in migration within
Canada, both intra and inter–provincially. External immigration increased too and the difference
between external immigration and emigration abroad was estimated to reach roughly 316 thousand
people in 2013. Such population growth may be a positive trend for the real estate market, yet it is
seen by some a threat to economy fuelled by potentially rising unemployment (PWC, 2013). In
2013, migration patterns were benefiting Calgary at a higher than average national rate: 1.9% vs.
1.4% increase in population. Still, the popular belief
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Kcdfs Vxvxv
THE AHMEDABAD DISTRICT CO–OPERATIVE BANK LTD.
NEAR GANDHI BRIDGE, OPP.INCOME TAX OFFICE, ASHRAM ROAD,AHMEDABAD –
380009.
TEL NO.27542608–09–10–11, FAX NO.(079) 27541651
(REG NO. 3896–7 DATED 09–03–1925)
BRIEF HISTORY OF THE BANK
This bank was originally registered as the Dascroi Taluka Co–opearative Federation in 1922.The
above federation was financed by the Apex Bank for on–lending to the affiliated societies. In year
1925,the federation was given name of Dascroi Co–operative Union and objects of this union were
identical to that of the District central Co–opearative Bank, and subsequently in 1937 amendments
were made in the bye–laws of the union and the bank started working as Ahmedabad Central Co–
operative Bank Ltd. This bank ... Show more content on Helpwriting.net ...
To augment the profits of the bank has stated non–farm advance since 1999. There is a gradual
increase in Non–farm advance. The maximum individual loan limit is Rs.20.00 lakh and Rs.12.00
lakh in urban and rural areas respectively. Our investment in Government Securities as on 31–3–
2009 is Rs.11110.54 crore.
Ahmedabad is a Mega Industrial city and Gandhinagar is State Capital, therefore, there are number
of salary–earners and urban credit co–operative societies in our jurisdiction. There are good number
of urban co–operative banks in Ahmedabad and Gandhinagar districts,of which 82 urban co–
operative banks are members of our bank, out of which 23 urban co–operative bank are our sub–
members in clearing house.
Shri Ajaybhai Patel who has been elected unopposed for the last three tems, on assuming the chame
for the first time as a Chairman on 06–01–2003, introduced action plans to improve the profitability
of the bank and impressed upon the importance of recovery in NPAs. Under his leadership for the
first time in the co–operative sector in the State "Lok Adalat" was used to settle chronically overdue
accounts and it received good response from the borrowers.
The staff of the bank was given training and seminars were organised to improve their
knowledge/working capabilities. As a result during the year there was considerable improvement in
mobilization of low cost deposits and increase in
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The City 's Housing Market
'Location efficient ' neighborhoods, and employment and recreational opportunities in walking and
biking distances are attracting more and more people to reside in the downtown core. Studies show
that, since 1976, the residential population has doubled, with more than 240000 people living in the
Area and the ownership share has increased by almost two times since 1996 (City of Toronto.
2014b). Accordingly, the City 's housing market is dealing with more and more housing needs
(CHBA, 2012; Landau, 2013). Also, Toronto Official Plan identifies the Area, as a place to
accommodate significant population growth by 2041 (Ontario. Ministry of Finance, 2014). As a
consequence, the value of land in the Area is extensively increasing and ... Show more content on
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To overcome the limitations in land supply, a number of municipal and provincial policies and
programs have been initialized to redirect growth, intensification to the existing built–up sites in the
Area. These policies promote transforming or conversion of brown–field sites (formerly–
deteriorating industrial and commercial sites) as well as improvement of the un–/under–utilized
lands and buildings, and at–grade parking lots, for high/dense condominium developments
(Pantalone, 2014). The City permits the conversion through re–zoning or re–designating of land
from one use to the other, which also overcomes the density controls imposed on those lands. For
example, employment or brownfield lands to mixed–use or residential developments (Lehrer &
Wieditz, 2009). The conversion of land from one use to another requires an amendment to zoning
bylaws and, sometimes, an amendment to the municipal Official Plan. This conversion is possible
when the developers make a S37 agreement, Density Bonusing agreement with the City of Toronto.
5.1.4 Housing Affordability Issues The City of Toronto is recognized for its highest market–based
economy and housing costs in the country (Wellesley Institute, 2014). In a market–based economy,
the market decides the major share of housing. Today, the market of housing is burgeoning on most
expensive
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Warehouse Advantages And Disadvantages
3. Type of warehouse
3.1 On the basis of Structure
Warehouse are built in different ways to meet the special requirement for storage. Different
warehouses are constructed for specific goods. While selecting the types of warehouse, one has to
take into consideration the factors like the nature of goods, the quality and the climatic condition.
From the point of view of structure, the following types of warehouses are found:
 Classical Warehouses
 Silo
 Bins
 Elevator
 Portable Warehouse
 Automatic Warehouse
3.1.1 Classical Warehouses
It is a single storey building divided into various compartments through a concrete wall. These
warehouses are generally used for storage of general merchandise. Racks and lift trucks may also be
provided ... Show more content on Helpwriting.net ...
A public warehouse is also known as duty–paid warehouse.
Public warehouses are very useful to the business community. Most of the business enterprises
cannot afford to maintain their own warehouses due to huge capital Investment. In many cases the
storage facilities required by a business enterprise do not warrant the maintenance of a private
warehouse. Such enterprises can meet their storage needs easily and economically by making use of
the public warehouses, without heavy investment.
Public warehouses provide storage facilities to small manufacturers and traders at low cost. These
warehouses are well constructed and guarded round the clock to ensure safe custody of goods.
Public warehouses are generally located near the junctions of railways, highways and waterways.
They provide, therefore, excellent facilities for the easy receipt, despatch, loading and unloading of
goods. They also use mechanical devices for the handling of heavy and bulky goods. A public
warehouse enables a businessman to serve his customers quickly and economically by carrying
regional stocks near the important trading centres or markets of two
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The Affordability Problem Of Washington State
The affordability problem is across all states and largely affects the working wage earners and
below.(Housing Needs Assessment, 2015 booklet page 297) This is because throughout the nation
there is a large differences between minimum wage, housing wage, and the affordable units
available. As noted earlier in the essay, King County is experiencing a huge affordable housing
Crisis. The 2015 Housing Needs Assessment indicated that there are only 28 affordable units for
every 100 extremely cost burden families. Washington State is short in 166,058 affordable units,
2015. With Seattle economy and populations growing each year these affordable units are necessary
to maintain the working class.
In many states such as Washington, the housing wage is twice as much as the minimum wage per
hour creating a population of cost burdened residents. In the state of Washington there are 353,472
households that are severely cost burdened creating a large gap between the 100,098 affordable
units that are available creating the 253,375 units still needed. To afford a market priced two
bedroom apartment in Washington, an individual needs to work 115 hours a month with a minimum
wage $ 9.47 to pay the average rent of $1089 per month. (Housing Development, 2015 page 2015)
The difference between minimum wage and housing wage is even more distinct in King County and
Seattle. King County minimum wage is $11 per hour with a housing wage of $27.21 per hour. For
working wage individuals in Seattle
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Key Characteristics Of Gentrification
Gentrification is the process of renovating and revitalizing undervalued and dilapidated residential
and commercial areas by the middle or upper class. It is driven by the notion called the "rent gap".
The "rent gap" is the difference between current rent and potential rental income. People will invest
in these deteriorated urban areas to obtain potential rent in the future. Consequently, once new
money flows in these areas, it forces rent to surge. High rents force low income residents to relocate
from the area. This is one of the key characteristics of gentrification, the displacement of local
residents. Gentrification is driven by both private investment and government policies.
Gentrification is a growing concern in New York. It causes ... Show more content on
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The Nation publication writes "Miguel Robles–Durán.....makes a convincing case that among the
most useful tools are limited–equity cooperatives of the kind established under New York's 1955
Limited–Profit Housing Companies Act, better known as Mitchell–Lama. Under these programs,
households own shares in a building, but the price at which they can sell their shares is limited for a
certain period of time, usually twenty years. These arrangements offer stability of ownership
without the skyrocketing prices that accompany real estate speculation." There are numerous
benefits of this program. Mitchell–Lama Housing projects promote economic and social integration
in their communities. They have become stable and burgeoning communities. The integral
components in ensuring the success of this program are maintaining the quality of the cooperatives
and making sure housing units over time are slowly pushed to market values. As the designated time
for subsidized rent ends, the surge in rents forces some households to leave the area. However, if
there was a more gradual increase in rent prices over time, then this would not be the case.
Oversight of these cooperatives is pivotal to their success. State Sen. Jeff Klein said that "The
Mitchell–Lama program, I believe, was probably the greatest housing program we ever created in
New York State because it was based on a very simple premise: that various
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Advantages And Objectives Of Cooperatives
What are the goals and objectives of cooperatives?
The primary objective of every cooperative is to help improve the quality of life of its members.
Towards this end, the cooperative shall aim to:
(a) Provide goods and services to its members to enable them to attain increased income, savings,
investments, productivity, and purchasing power, and promote among themselves equitable
distribution of net surplus through maximum utilization of economies of scale, cost–sharing and
risk–sharing;
(b) Provide optimum social and economic benefits to its members;
(c) Teach them efficient ways of doing things in a cooperative manner;
(d) Propagate cooperative practices and new ideas in business and management;
(e) Allow the lower income and less ... Show more content on Helpwriting.net ...
This financing shall be in the form of blanket loans to qualified cooperatives, without need for
individual processing.
How to organize a Cooperative?
Organizing a cooperative can be complex and simple. It requires an understanding of the basic
needs of the prospective cooperative members. It demands patience from the organizer who must
make the cooperative's long–term goals and objectives, and its visions a real part of the members'
lives.
But it can be too easy because the Cooperative Code of the Philippines (RA 6938) has devised very
clear–cut steps for the cooperative organizer and members. The following are the basic information
that the prospective members should understand before organizing a
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Homeless Men Research Paper
I kissed a homeless guy because I am desperate, so desperate in fact that this wasn't the first but
instead the twenty–sixth. Yes, you heard it, I am so desperate to love someone that I am willing to
kiss whoever to find them, and until then I will kiss however many homeless guys it takes to find
the one. I promise I am not crazy, but rather a 36 year old single working lady who has never really
had any fun and has yet to meet "the one." I told myself that it would never get this far and
eventually I would meet my true soul mate and with time build the family I have always dreamed of
having, but here I am now wondering the streets kissing the crusty lips of all the homeless guys I
can find. Some people may ask why I would look to find my soulmate ... Show more content on
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As I head into work I notice multiple people sitting at the top of the stairs, something very unusual
to my otherwise boring work day so I continue to walk up the stairs glancing as often as I felt it was
socially acceptable, and then suddenly recognizing the all too familiar faces of three men. These are
three homeless men I have met before all coming back for some unknown reason and ruining all of
the very small reputation I have built for myself. I walk past hoping that by ignoring the obvious
problem would allow for it to somehow go away, but as I walk further and further past with still no
words from the men I begin to become even more worried. As I approach the door I see what would
forever be etched into my vivid memory, a poster with three different pictures all of my kissing
three seperate men. As my heart seemed to drop to my stomach the men approached explaining that
they had caught on to my plan and that this was the only way for justice to be served. So many
thoughts should have been rushing through my head in that very moment, but there was only one. It
was whether or not Jim has seen this embarrassing poster and if he has how in the world am I ever
going to explain this to him. I took the poster from the door and walked into my office. I could feel
every judgmental face staring back at me as I walked to my cubicle, but only one meant anything to
me. In that moment I knew, without any words being spoken that Jim knew and that I was going to
do whatever it took to get him
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The Financial Industry And Its Impact On The Canadian Economy
Introduction In this case study, Vancity's CEO, Vrooman, is faced with making the tough decision of
deciding if her organization is in a position to reprice its line of credit offerings, in order to stay
afloat and competitive, and at the same time, not loose the trust of its customers, who also happens
to be the owners. Furthermore, the study showcases how Vancity's innovative value to adapt to the
changing needs in their community gives them a competitive advantage amongst other financial
institution. This case is important as it explains tough decisions that top executives and
organizations as a whole, are often faced with making, in order to stay competitive and profitable. It
also discusses the financial impacts of the recession in the late 2000s on the Canadian economy,
particularly the financial industry. This paper will begin with an introduction to this case, discussing
the financial industry, and its impact on the Canadian economy, also to be accompanied with some
background information on the case study. This will be followed with an analysis of the case study
and I will then determine possible decisions that could be taken, and the merits/drawbacks of each
decision. At this point, I will elaborate on what decision I think would be ideal and provide the best
outcome of benefitting both the organization and its customers. Background Information The
financial industry in Canada is considered to be really stable and highly ranked globally. During the
financial
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Evaluating Bob 's Process For Establishing The Nss...
1. Evaluate Bob's process for establishing the NSS advisory board. What could be improved? Bob's
rationale behind establishing an advisory board, and his approach for selecting its members, has thus
far been successful and valuable for him and the company. He correctly recognized the importance
of "the big picture," as he chose people whose backgrounds covered a wide range of industries and
skills and who could therefore fill in any gaps. Furthermore, Bob's choices were all successful
business professionals, so he could therefore be relatively sure that they would be effective in
handling any future challenges and recognizing future opportunities. Bob was also cognizant that
the business and the family needed unbiased consultants in order to offer advice regarding family
employment, and establishing the advisory board presented an outlet in which family members
could privately discuss any issues on their mind. Lastly, he established an objective for the board, in
that the board would only focus on the "big picture," which meant that they didn't get caught in the
daily details or argue over the day–to–day routine. However, he was fortunate in several ways in
how well the board worked out. For example, he didn't clear the names with his brother Rex until
after he had already offered them a board position and they'd accepted; this could have caused
conflict with Rex if he had felt slighted or left out of the decision–making process or if he had had
any complaints about any
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How Rent Control Has Helped New York Economically And How...
This essay would be an economic analysis concerning how rent control is used to ensure housing is
affordable in New York. Using the market model, information and numerical statistics, this essay
would prove how rent control has helped New York economically and how London currently has
rent inflation. An explanation will then be given to why London needs to introduce rent control, and
if London does not do that, there would be some serious consequences. An economic analysis will
be given to the effects of introduction of rent control in London. Rent control is used to ensure
housing is affordable. Rent control basically means price control usually set by the government that
limits the amount a property owner can charge for renting out a home, apartment or any other real
estate. Rent control acts as a price ceiling by preventing rents from being charged higher than a
certain price. It is argued that governments need to help the poor find affordable housing by placing
a ceiling on the rents the landlords charge their tenants. "In New York, 77% of households renting
rather than owning their homes," according to the National Low Income Housing Coalition. "Carl
Weisbrod, chairman of the New York City planning commission, said rent regulation "is essential
for the future of the city, for its economic goals, for social equality to make a city attractive and
available for all, rich, poor and middle class". Weisbrod added that the programme will ensure New
York remains
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Social Reformers During The Early Years Of The 20th Century
Many social reformers in the early years of the 20th century focused on the plight of child laborers
who worked in both the home and the factory in New York City. One of the pressing issues they
sought to bring light to was the dangerous conditions and injuries the children faced, as well as long
hours and mistreatment. While many workers during this time faced similar problems, children were
particularly vulnerable because they were often encouraged to work by their parents, who needed
the extra income, and because they could not speak up about the abuses they faced. Social reformers
collected a great amount of evidence, especially through interviews and the use of the rapidly
developing technology of photography, eventually succeeding in passing child labor laws that
protected these particularly downtrodden workers. Photography was a relatively new technology at
the time, and reporters used it to great effect when capturing the different aspects of life as a child
laborer. Cameras were more portable and quicker to use than art supplies, and photographs easier to
duplicate, so the rapid production and transmission of images meant that more and more depictions
of the life of child laborers could enjoy greater awareness. In addition, flash technology meant that
photographers could more easily capture images of dimly lit tenements. These photos were
reproduced in books and newspapers which received lots of exposure, such as Jacob Riis's How the
Other Half Lives, which
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The Annual Women And Fair Trade Festival Essay
On a crisp morning this past fall, cooperatives from around the world set up shop in an Austin,
Texas, church for the annual Women and Fair Trade Festival. While most of the vendors were
veterans of collective organizing, one group of single immigrant mothers used the festival to debut
their food cooperative, Cooperativa Posada.
Three Mexican women–Silvia, Elideth, and Erika–and a Guatemalan woman named Hilda spent a
near–sleepless night preparing dozens of their distinct regional varieties of tamales, some wrapped
in corn husks and others in moist banana leaves. Nebat, the lone Ethiopian member of the
cooperative, prepared some luscious, dark, traditional Ethiopian coffee by roasting the beans on a
metal plate over an open flame, then grinding them by hand.
The products of their labor were not only nourishment for the festival attendees (who lined up for a
taste), but also an attempt to raise the awareness–and donations–needed for their cooperative to
succeed. On a broader level, the tamales and coffee represented the mothers' efforts to create an
opportunity for self–sufficiency, to foster collective economic empowerment, and to forge a path
forward for themselves and their families.
All the Cooperativa Posada members currently live or have lived at Posada Esperanza in Austin, a
shelter for homeless immigrant mothers and their children. The shelter houses 16 families, most of
whom are undocumented immigrants or asylum seekers from Latin America and Africa who have
fled
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Advantages And Disadvantages Of Cooperative
Theoretical Background
The history of forming a cooperative started when the Filipinos traveled in Europe during the later
part of the 19th century, studied abroad and brought home with them new ideas. It was this group of
Filipinos who were in close contact with the new economic movement in Europe. Two names
worthy of note were Dr. Jose P. Rizal and Teodoro Sandiko. In Dapitan, Rizal had his ideas in
cooperation partially fulfilled. He put up a school for the poor community on a purely cooperative
basis. He also established a cooperative store with the help of his pupils. One noteworthy group
organized by Rizal was the La Sociedad de los Abacaleros (Society of Abaca Producers). This
functioned for only one year. Rizal returned the members share capital without any loss. Teodoro
Sandiko, in his travels in Europe, had a close contact with the cooperative movement in Germany
where he came across with the Raffeisien movement. Very much impressed by this type of
cooperative, he looked forward for an ... Show more content on Helpwriting.net ...
One main advantage of cooperative is that it is easy to form compare to any other business
organization. No legal formalities are really needed to form this.(Thames & Hudson, 2011) Second
advantage is that there is no obstruction for membership. Anyone can be a member of a cooperative
and can also leave if he/she no longer wants to continue his/her membership. (Davidson &Davidson,
2010) Third advantage is that it is democratically managed; it is managed by the elected officers of
the cooperative with all the members having the equal right to choose and vote. (Democracy for
Cooperation, 2010)The last or fourth advantage is that the members shared the surplus of the
cooperative. The profit from goods sold are distributed to its members and some of it are reserved or
kept also for the welfare of its member which is mainly used for the managing or expanding of a
cooperative. (Today in Cooperatives,
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The Reality of Jacob Riis' How the Other Half Lives Essay
The Reality of Jacob Riis' How the Other Half Lives
Jacob Riis' book How the Other Half Lives is a detailed description on the poor and the destitute in
the inner realms of New York City. Riis tries to portray the living conditions through the 'eyes' of his
camera. He sneaks up on the people flashes a picture and then tells the rest of the city how the 'other
half' is living. As shocking as the truth was without seeing such poverty and horrible conditions with
their own eyes or taking in the experience with all their senses it still seemed like a million miles
away or even just a fairy tale. The reality of this book hit the people of New York right between the
eyes. Riis was once ascribed the label of lower class society, but ... Show more content on
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Riis covers many aspects of the poverty that has stricken the tenement lodgers but when talking
about one end of the spectrum (poor) you also need to discuss the other (rich). With out telling
people how the other half of the other half lives he's leaving out a crucial part of how people live in
New York. By avoiding, that topic he's giving the illusion that all people in New York live in such
cramped housing as tenements. When in reality New York was and is presently not composed of
strictly tenement housing. There was a 'rich' part of town where the thought of not having any
money was never even contemplated. In addition, where the industrial revolution only touched
higher societies on positive outcomes such as economics the industrial revolution only made it
harder for the immigrants to get ahead. By this, meaning, that they worked harder, got paid little to
nothing, and still had to compensate for the short comings that where being pressed against them
because they were in fact immigrants.
Although the industrial industry played a major role, in how all the tenement dwellers made their
incomes Riis never discussed that issue at any great length. He focused purely on the housing and
the conditions of it. One of the examples of the conditions in the book refers to how dusty and full
of dirt the buildings are. On page
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P2/M1 Unit 37 Essay examples
Explain the implications for the business and stakeholders of a business operating ethically. (P2)
All businesses have a number of stakeholders each with individual interests in what the business
does, the owners (In co–ops case, the members) will want good financial gains from their
investments. Businesses such as co–op should be managed with the interests of all stakeholders in
mind.
Stakeholder is anyone with an interest in a business. Stakeholder can be individuals, groups or even
organisations that are affected by the activity of the business, they include:
Owners who are interested in how much profit the business makes Managers who are concerned
about their salary Workers who want their wages to be ... Show more content on Helpwriting.net ...
As I mentioned in the introduction it is more than likely that there will be conflict between one or
more of the stakeholders of the cooperative, one conflict that is more than possible is between the
environmentalists and the members of the cooperative. If the co–op bring out a brand new product
or range etc at it seems to be doing well then the members will be pleased that their investments has
paid off and they are getting good profits of it. However if the products is controversial for example
tree's have been cut down to help make the packaging of the product then environmentalists might
decide to make a big campaign, protesting to get the products of the shelves. If the
environmentalists succeed in their protests then it means the members are losing a good profit which
is a big loss for the company.
The second type of stakeholders is:
External stakeholders: Groups who may have an impact in the business but are not in the inner
circle – eg suppliers and the local community. The suppliers are a very important part of the
business and without them the co–op wouldn't be able to function properly. If for example the co–op
wanted to reduce their carbon emissions then this could affect the suppliers.
Because the suppliers will normally either use big lorry's or through aeroplanes (if they are shipping
from abroad) this
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Eureka Garden Apartments Case Study
Eureka Garden Apartments are located in Jacksonville, Florida's Westside neighborhood. There four
hundred apartments in this complex which are rented out to low–income individuals and families.
The human rights and social injustice issue that these community members are facing has to do with
inadequate housing. Back in October of 2015, a few of the residents banded together and wrote a
letter to the city describing their living conditions at the apartments and managements unwillingness
to fix these problems. Soon after, the city's mayor, city inspectors, and city council members
descended upon the property in order to see if what they had read was true. What they found was
deplorable. Tenants were living in unsanitary conditions which included: ... Show more content on
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They stay in these particular low–income apartments, not because they chose to, but for the fact that
most do not have the funds that are necessary to up and move to a new place. If they did have the
money, other low–income housing has wait lists or is in just as bad of shape. This segment of the
population, being poorer, is generally less educated. This can lead to them being taken advantage of.
For example, complaining to management one too many times can get you evicted. Another
example, is the black mold, this can make the tenants extremely ill, causing adults to miss work and
children to miss days at school. At the mezzo environment, relationships between the micro systems
can be impacted. According to Ambrosino, Ambrosino, Heffernan, and Shuttlesworth, "The
interaction of one micro system influences the interactions of the others" (2016, pp.64). Employers
may fire an employee who misses too many days or a child will do poorly if school attendance
drops. This community of friends and neighbors were tired of their inadequate living conditions and
banded together in order to gain the attention of those in power who could fix these
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National Cranberry Cooperative Case Study Essay
National Cranberry Cooperative Case Study 1. How might transport vehicles be utilized more
effectively? Should crews be scheduled differently on peak days?  More crews should be
scheduled in the bagging station during peak days  The fourth bagging station should be utilized
during peak hours (instead of just three of the four being used at a given time)  An additional
2,667 bbls per 12–hour period could be processed with these changes At receiving plant no. 1
(RP1), trucks would arrive randomly throughout the day, with a random amount of berries,
anywhere from 20 to 400 bbls. In order to utilize transport vehicles more effectively, there should be
crews scheduled differently on peak days. It only takes 5 to 10 minutes to unload a ... Show more
content on Helpwriting.net ...
3 berries should actually be graded No. 2B The installation of a berry grader would positively
impact the cooperative's income, while negatively impacting the farmers' income. With the current
system, 450,000 bbls. of berries are paid a premium of 50 cents per bbl, yet when the berries are
used only about half of them are actually considered No. 3's (berries with the best color). So
basically, the cooperative is paying a premium on 225,000 bbls. more than it should be, and that
worked out to about $112,500 in 1970. It would cost the cooperative $10,000 to install a berry
grader, plus the cost of another full–time skilled operator, but it would still impact their income
greatly. The farmers' would probably prefer that the cooperative continue to grade the color using
pictures as a guide, because they are being paid a 50 cent premium on about half of their No. 3
berries that should actually be considered No. 2B. Calculations: 450,000 bbls. divided by 50%
equals 225,000 bbls. 225,000 bbls. at 50 cent each is equal to $112,500 per year Fixed cost: $10,000
for installation of berry grader 3. What is the impact of installing one new dryer? Two new dryers?
 Each additional dryer will increase the amount of water–harvested berries that can be processed
by 200 bbls. per hour for berries loaded to bulk trucks,
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Effect of Business Acquisition to Get Competitive...
Effect of business acquisition to get competitive advantage based on the case study: Acquisition of
Somerfield by Co–operative group
Background:
Business acquisition is one of the most vital tools to expand an existing business effectively. An
acquisition takes place when an existing company buys another company which has more or less
similar operating activities and ended up controlling it. It is clearly different from merger which is
the integration of a business with another and sharing the control of the combined businesses
collectively. Mergers and acquisitions (M&As) have long been considered as an one of the
most highly appreciated method to achieve the desired growth rate and satisfying the key
stakeholders. With rapid ... Show more content on Helpwriting.net ...
Managing the process of acquisition correctly is the major challenge to make an acquisition work. A
number of different factors that ranges from setting well defined goals to look for circumstances
under which it will make sense to walk away must be carefully considered to make a successful
acquisition. In order to carry out an acquisition activity one must first understand whether the
business is ready for it. A SWOT (strengths, weaknesses, opportunities and threats) analysis can be
carried out to assess the condition of the business as it might give a clear direction about how to take
maximum advantage of the strengths, resolve weaknesses, exploit opportunities and avoid threats.
Another way to understand whether the business is ready for an acquisition is to carrying out a
strategic gap analysis. This involves identifying where the business stands now where one wants to
see it after a defined period of time. By identifying the gap between the two one can decide whether
acquisition is well enough to bridge the gap. However the extent of planning and research that can
be done before making an acquisition decision does not always prove to be enough as situations
outside of control may arise and one have to be prepared for these risks. Degree of uncertainty and
the time and effort that are spent for the deal can in effect damage the performance
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Emilio Jacinto's Trading Cooperative
A1457
Cooperatives:
Principles and practices in the 21st century
Kimberly A. Zeuli and Robert Cropp
ABOUT THE COVER IMAGE: The "twin pines" is a familiar symbol for cooperatives in the
United States. The Cooperative League of the USA, which eventually became the National
Cooperative Business Association (NCBA), adopted it as their logo in 1922. The pine tree is an
ancient symbol of endurance and immortality. The two pines represent mutual cooperation–people
helping people.
COOPERATIVES:
ii
Chapter 1
An introduction to cooperatives
1
Chapter 2
Historical development of cooperatives throughout the world
5
Chapter 3
Cooperative history, trends, and laws in the United States
59
Chapter 8
Procedures for organizing a cooperative ... Show more content on Helpwriting.net ...
Coercion is the antithesis of cooperation. Persons a formal business model, compelled to act
contrary to their wishes are not which has relatively recent origins. The earliest coopera– truly
cooperating. True cooperation with others arises from a belief in mutual help; it can't be tive
associations were created in Europe and North dictated. In authentic cooperatives, persons join
The first signs of
America during the 17th and voluntarily and have the freedom to quit the cooporganized hunting
18th centuries. These associ– erative at any time.3 The forced collectives prevaactivity based around
lent in the former Soviet Union, for example, were ations were precursors to communities are
associated with not true cooperatives. cooperatives. The pioneers
Homo erectus, of the Rochdale Society in
Another widely accepted cooperative definition is modern human
19th–century England are ancestors who lived the one adopted by the United States Department
between 500,000 and celebrated for launching the of Agriculture (USDA) in 1987: A cooperative is
a
1.5
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Essay on Farmland Industries Inc.
Introduction
Today, when we hear the slogans "better farming, better food," or "proud to be
farmer owned" one company comes to mind, Farmland Industries. We may think of this of
this fortune 500 company as a leading agricultural powerhouse, which it is, however, it was not
always that way.
Background
Farmland Industries Inc. was founded by Howard A. Cowden, who was born and raised in
Southwestern Missouri. Cowden started young in the cooperative business by working for the
Missouri Farmers Association (MFA). However; in
October of 1927, he had resigned from the position of secretary for the MFA and started out on his
own. Immediately following, Cowden ... Show more content on Helpwriting.net ...
From here, Farmland Industries only increased its size, sales, and dividends, not to mention
popularity. Some of the major lines include:
Food Marketing, Feed, Crop Production, Grain, Beef, and Pork. Of course, there are many, many
other lines that the company has produced throughout the years. Some of these things include: Ful–
O–Pep (Union Oil Company's
"Antiknock" gas designed to compete with ethyl), CO–OP tires, Batteries,
Groceries, Canning and Dehydration, Tractors, Paint, Twine, Steel buildings, and many other
successful ventures, along with many other flops.
"We've been working to improve margins–by lowering costs, by implementing shared margin
programs, by offering prebooking, and contracting programs in fuel, crop production, products,
& feed–and by increasing our emphasis on providing timely information and other
services" (Annual 94 2).
Organizational Culture
Today, Farmland is the largest farmer–owned agricultural input cooperative in the United States. Its
mission is: To be a producer–driven, customer–focused and profitable "ag supply to consumer
foods" cooperative system (The Farmland Cooperative System 6). The people of Farmland
Industries believe in American agriculture. They believe that everyone involved in progressive
agriculture in America today is entitled to a return on their
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Business Environment Task 1 and Task 2
BUSINESS ENVIRONMENT TASK 1 AND TASK 2 a)Identify the purpose of different
organisation giving examples(AC1.1) Sole trader–it's a business that is owned by only one person
and it can have one or more employees. This type of business organization often succeeds because
the owner has total control of businees, the owner keeps all profit and it's cheap to start–up,but also
it can be difficult to raise financial,it may be difficult to specialise or enjoy economies of scale and
can also have problems with continuity if sole trader retires or dies. E.g * Small retailers * Plumbers
* Builders * Beauticians * Internet entrepreneurs * Market traders * Grocers * Butchers
Partenership it's a business that is ... Show more content on Helpwriting.net ...
McDonalds, Holiday Inn, Pizza hut etc. Public sector refers to the part of the economy concerned
with providing essential government services. The public sector includes such services as a police,
military public roads, primary education and healthcare for the poor. Advantages: * Prevent
exploitation of the customers * Avoid duplication of resources * Protect jobs and maintain key
industries Disadvantage: * The government controls and runs everything E.g. Metropolitan police,
British army etc. BEN&JERRY Ben&jerry stakeholders include management executive,
chefs, creative artists, staff and brand ambasador. STRATEGIC OBJECTIVE * To became a leading
brand amoung dairy product industries TACTICAL OBJECTVE * To employ professionals such as
food and diet specialist,R&D executives and consultant. ETHICAL OBJECTIVE *
Communicated to corporate social responsability and respect the earth and green environment. c)
M1. Explain the responsabilities of an organisation and strategies employed to meet them. ASDA
POLITICAL | ECONOMICAL | SOCIAL | TECHNOLOGICAL | ENVIRONMENTAL |
LEGISLATIVE | Trading policiesEmployment lawTaxation(corporate
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Housing Persuasive Speech
Today, I am going to speak about the affordable housing in Pittsburgh .First let me tell about why
the affordable housing is preferred. People who live in affordable housing today want safe, decent
housing for the same reasons that we all do. The reasons are mainly to provide a nurturing
environment to raise their children. Another reason is to remain in the community where they were
raised or to become part of a community in which they want to settle. Finally, to live in an attractive,
safe environment that they can afford. People who need affordable housing are ones that are
employed as secretaries, school teachers, local government employees, restaurant workers and sales
clerks. These workers need affordable housing because of the wide gap ... Show more content on
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The completed Eastside and Bond apartment complex in East Liberty is perched directly above the
MLK East Busway transit stop, and is a block from amenities like Target, Giant Eagle and a
plethora of restaurants. In a sense, the apartment complex with 360 brand–new units is a perfect
example of how city living can be extremely beneficial to residents of any income bracket: great
public–transit access, close to grocery stores, and quality living conditions.
Unfortunately for Pittsburghers of lower– and middle–income means, living in Eastside and Bond
isn't attainable; a one–bedroom apartment there starts a $1,900 and two–bedroom units start at
$2,300. And a group of affordable–housing advocates are upset about it.
East Liberty Development Inc. statistics from 2015 show that East Liberty had 866 subsidized units,
comprising about 32 percent of the rental units in the neighborhood. This is actually one of the
higher percentages of affordable–units of any Pittsburgh neighborhood. However, these stats were
compiled before the completion of the 360 Eastside and Bond luxury units. Additionally, the waitlist
for subsidized housing in East Liberty is incredibly long and low–income residents have to wait
between two to five years to be
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The Quarters : An Analysis
Main Lessons
One major aspect that was learned through this experience is that it can be extremely difficult to get
in contact with actors who have agency, like The Quarters. They are not losing anything by choosing
not to respond to our questions. But on the other hand, actors with less agency often respond
because a good public image of them is beneficial to helping them gain agency or donations from
individuals. Another interesting lesson is that even though affordable housing is difficult to find for
University of Iowa and Kirkwood students in the Iowa City area ($500 a month per person is
considered reasonable), those with considerably lower incomes or those that have a lack of familial
support have an increasingly difficult time ... Show more content on Helpwriting.net ...
Member Contributions
Kathleen's contribution to the group project was to work with the other members to pick a
sustainability issue within the local community and to help create the initial and second actor map.
Also, she reached out to The Quarters and the Shelter House of Iowa City to see impacts of how
transforming low income housing into luxury apartments for students impacted sustainability efforts
and increased housing inequalities and environmental injustice. She wrote the specific paragraphs in
the paper that dealt with those specific facets, as well as the conclusion and designing the actor
maps on the document. Jazz's contribution to the group project was to work with other group
members to help decipher actors within the group project, those that had the most agency, and those
who had the least agency. She helped Kathleen, Zach, and Mike design the initial actor map
showing the links of which actors would potentially have the most agency. In addition to this, she
reached out to local businesses to see if they have been positively impacted by the project or
negatively impacted by the project. Furthermore, She looked at how transportation of The Quarters
housing project affected local businesses and if there was an increase or decrease in business sales
over the last year and a half since the apartment complex has been built. Zach's contribution to the
group project was to assist in picking a local sustainability issue as well as provide
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Cooperative and Nonprofit Housing in Winnipeg: Toward a...
Introduction In this short essay, the author will review and critique "Cooperative and Nonprofit
Housing in Winnipeg: Toward a Re–engagement of the Provision Infrastructure" by Ian Skelton that
was published in the Canadian Journal of Urban Research in December of 2000. We will see why
public and private charitable low–cost housing initiatives can learn from Winnepeg how to apply
private market incentives to solving the problem of low–cost housing nationwide in Canada. Review
and Critique The Skelton article reviews the organisation of low–cost housing provisions in Canada,
while focusing upon the national cooperative and nonprofit housing programs that developed over
approximately two decades from the early 1970s. It discusses the issues of infrastructure for the
provision of public housing that was left in place in the aftermath of the programs and then reviews
more recent methods of analysis of the organisational forms that public housing has developed into
while searching for possible alternative strategies to keep the housing going. This is followed up a
study of public housing organisations in Winnipeg that implies that suggests that unlike what has
happened in a number of other Canadian cities, an elaborate alternative network did not emerge
around public housing issues and public housing policy to explain this. While this did not happen in
Winnepeg, this may be because the funding for nonprofit housing was concentrated in a handful of
transitory
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Differences And Differences Between Amul And Other...
Differences Between AMUL And Other Cooperatives Following The "AMUL Model"
The NDDB was created so that it could implement AMUL'S Model in other states. Though the main
three tier system is common everywhere there are some differences between them and AMUL which
might be the reason that the other cooperatives have not been as successful as AMUL (Prasad and
Satsangi).
In the other cooperatives the Managing Director is an IAS officer unlike in AMUL's case where the
Managing Director is chosen from amongst the selected representatives chosen by the members.
The negative impact of this is that the IAS officer won't have that level of an attachment that a
farmer who was elected would have. Hence this would surely impact the cooperative adversely.
In other government cooperatives the government has a share in it. Therefore there are government
representatives also on the board of directors other than the Managing Director. These Director's
influence the decisions of the board hugely and in the end it might result in these government
directors taking the decisions and one of the prime principles of a cooperative which is ... Show
more content on Helpwriting.net ...
Seeing the way AMUL and the other cooperatives have grown I can see the reason why Lal Bahadur
Shashtri wanted the Amul model to be emulated in other states. Having farmers as policy makers of
the cooperate and with some assistance from professionals in running the cooperation was an
incredible idea. By providing technology and a support system to the rural producers, the
cooperative has really increased the standard of living of the people living in rural areas. As rightly
said by Kaur in her research paper, "The dairy cooperatives are among those few institutions in
India, which still cherish a strong Cooperative identity, values and purpose. They still boast of
idealism & good will of members and
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The Disadvantages And Disadvantages Of Smallholders And...
2.1.4 Smallholders and Farmer Cooperatives
Coffee farming is crucial as the source of income for smallholders farmer in most of developing
countries. Although, the number of private plantation is quite small, they might have the possibility
to break the boundary and an access broader market channel. However, small–scale farmers might
have several constraints that prevent them from reaching the market. The demand for high quality
products and consistent volumes is one of the possible constraints that they might face. Several
studies have been drawn the important barrier encountered by developing country producers
regarding institutional and infrastructural support (Trienekens, 2011:52). To some extent,
smallholders also faced a various disadvantage ... Show more content on Helpwriting.net ...
Still, economies of scale in production are different from economies of scale in marketing that are
rife in high value export market. The conflict lies in the requirements for marketing in terms of
information procurement and dissemination, the role of reputation and branding and the importance
of negotiations (Roy and Thorat, 2008:1876). Although Fischer and Qaim (2012) argued that
cooperative organizations do not necessarily mean that the farmers can get better access to market,
but the farmers' organization can be the important catalyst for innovation adoption and upgrading of
production systems through promoting efficient information flows (Fischer and Qaim,
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Case Study Of The Marketing Strategy Of Kasaragod Weavers...
The success of a business depends not only upon production of the output but also the proper
marketing of output. Every management is aimed at safe of the product to earn maximum profit.
In the business world, one can find different from organization. Important among them are sole
proprietorship, partnership firm, joint stock companies and co–operative societies. The most suitable
form which is beneficial to the people of different walks, of life in, many respects is co–operative
society like many another form of business enterprises. The co–operative is also an economic
organization. They also depend on business efficiency for their success.
Co–operative occupies one important place in the place of small industries, agro industries and
handicrafts. ... Show more content on Helpwriting.net ...
Efficient function is any business is closely related with efficient marketing of products. The
marketing manager should evaluate the marketing position in terms of profit. This study is based on
the marketing strategy of Kasaragod Weavers Co–operative Society. The sales turnover from 2011–
12 to 2014–15 has been considered for evaluation.
The Kasaragod Weavers Co–operative production and sale society Ltd. being a co–operative
institution is organized to undertaking production and sales activities on behalf of its members. It
should be able to obey co–operative principles.
At the same time, being an enterprise, it should be to attain the organizational goals such as
profitability, expansion, human resource development etc. the achievement of their objectives help
the institution to uplift the economic and social progress of its members and public. The success of
Kasaragod Weavers Co–operative society Ltd. depends on how efficiently its operations are carried
to attain its objects. In these circumstances, a study of the market performance of the weavers co–
operative society Ltd. assumes special
... Get more on HelpWriting.net ...
Cooperatives
Cooperative A cooperative (also co–operative; often referred to as a co–op) is a business
organization owned and operated by a group of individuals for their mutual benefit. Cooperatives
are defined by the International Co–operative Alliance's Statement on the Co–operative Identity as
autonomous associations of persons united voluntarily to meet their common economic, social, and
cultural needs and aspirations through jointly owned and democratically controlled enterprises. A
cooperative may also be defined as a business owned and controlled equally by the people who use
its services or by the people who work there. Cooperative enterprises are the focus of study in the
field of cooperative economics. A cooperative is a legal entity ... Show more content on
Helpwriting.net ...
Marketing cooperatives can serve their members in many ways, including bargaining for better
prices, storing and selling members' grain, and processing farm products into more consumer–ready
goods. In the United States, agricultural cooperatives handle about 30 percent of farmers' total farm
marketing volume (Mather et al.). Supply cooperatives Supply cooperatives (sometimes referred to
as purchasing cooperatives) sell farm supplies to their members. Products include production
supplies such as seed, fertilizer, petroleum, chemicals, and farm equipment. American farmers
purchase about 28 percent of their supply needs through cooperatives (Mather et al.). Service
cooperatives Service cooperatives provide various services to their members. For instance,
cooperatives may offer services such as pesticide applications, seed cleaning, and artificial
insemination. Service cooperatives also include organizations such as the Farm Credit System, a
network of borrower–owned lending institutions that provide credit and other financial services to
farmers, and rural electric cooperatives, which provide electricity to rural areas. The first formal
farmer cooperative to form in the United States occurred in 1810. However, agricultural
cooperatives were not really perceived as a viable business organizational structure until after the
Civil War (Cobia). Several farm organizations helped to promote
... Get more on HelpWriting.net ...
Essay about Jacob A. Riis
Jacob Riis' book How the Other Half Lives is a detailed description on the poor and the destitute in
the inner realms of New York City. Riis tries to portray the living conditions through the ‘eyes' of
his camera. He sneaks up on the people flashes a picture and then tells the rest of the city how the
‘other half' is living. As shocking as the truth was without seeing such poverty and horrible
conditions with their own eyes or taking in the experience with all their senses it still seemed like a
million miles away or even just a fairy tale. The reality of this book hit the people of New York right
between the eyes. Riis was once ascribed the label of lower class society, but worked his way up the
ladder of success and entered into ... Show more content on Helpwriting.net ...
Although he does possess quite a bit of bigotry that boarders on the line of prejudice when it comes
to African Americans he recognizes that they are suffering from racism and he sympathizes with
them. With his sympathy comes an attitude of superiority, he looks down on the people in poverty
because he was once there and knows with hard work, like he has done, you can "pull yourself up
by the bootstraps" and make something better with your life.
Riis covers many aspects of the poverty that has stricken the tenement lodgers but when talking
about one end of the spectrum (poor) you also need to discuss the other (rich). With out telling
people how the other half of the other half lives he's leaving out a crucial part of how people live in
New York. By avoiding, that topic he's giving the illusion that all people in New York live in such
cramped housing as tenements. When in reality New York was and is presently not composed of
strictly tenement housing. There was a ‘rich' part of town where the thought of not having any
money was never even contemplated. In addition, where the industrial revolution only touched
higher societies on positive outcomes such as economics the industrial revolution only made it
harder for the immigrants to get ahead. By this, meaning, that they worked harder, got paid little to
nothing, and still had to compensate for the short comings that where being pressed against them
because
... Get more on HelpWriting.net ...
Differences Between An Additional Assessment And A Special...
THE DIFFERENCES BETWEEN AN ADDITIONAL ASSESSMENT AND A SPECIAL
ASSESSMENT IN A MICHIGAN CONDOMINIUM ASSOCIATION
As many new condominium co–owners are aware, the general operations of a condominium
association are funded through annual assessments. MCL 559.169 sets forth the requirements for
imposing assessments in a Michigan Condominium as follows:
559.169 Assessment of common expenses; contribution of co–owner.
Sec. 69. (1) Except to the extent that the condominium documents provide otherwise, common
expenses associated with the maintenance, repair, renovation, restoration, or replacement of a
limited common element shall be specially assessed against the condominium unit to which that
limited common element was assigned at the time the expenses were incurred. If the limited
common element involved was assigned to more than 1 condominium unit, the expenses shall be
specially assessed against each of the condominium units equally so that the total of the special
assessments equals the total of the expenses, except to the extent that the condominium documents
provide otherwise.
(2) To the extent that the condominium documents expressly so provide, any other unusual common
expenses benefiting less than all of the condominium units, or any expenses incurred as a result of
the conduct of less than all those entitled to occupy the condominium project or by their licensees or
invitees, shall be specially assessed against the condominium unit or condominium units involved,
in
... Get more on HelpWriting.net ...

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Honest Vino Case Summary

  • 1. Honest Vino Case Summary The report of Honest Vino's harvesters' replacement frequency Summary This report will examine why the company, Honest Vino, should replace the selected harvesters every 15 years rather than every 10 years by Discounted Cash Flow (DCF) method. Based on the Vineyard's and harvester's details, the Annual Equivalences (AE) of both replacement frequencies were calculated and compared under the constant chain of replacement assumption. However, the specific assumptions must be held in this analysis. Methodology There are two options for the harvesters: replaced every 15 years or every 10 years. They are mutually exclusive investments having unequal lives with replacement. In order to maximise the firm value, the method of AE was used since the two projects have the same discount rate, and AE method converts the NPVs of the projects into annualised values which can be compared under this situation. The optimal option is the one with higher AE when evaluating ... Show more content on Helpwriting.net ... Specifically, the calculative formula is: AE=NPV/{[1–1/(1+r)^n ]/r}. Additionally, the calculation of NPV is based on the discounted cash flows. Compared with other DCF methods, AE considers the time, the amount of value and the risk of the cash flows. Other DCF methods are not appropriate for this situation. For example, the Benefit–Cost Ratio (BCR) method does not take the size of investment into account and does not consider for replacement in investment. Another method is Internal Rate of Return (IRR) method, which may have multiple IRRs or no IRR, and does not consider magnitude of value. Therefore, AE is the most intuitionistic evaluation method to value and compare mutually exclusive investments. It indicates the investment's NPV in an annualised presentation, which takes into account timing, magnitude and discount rate. ... Get more on HelpWriting.net ...
  • 2. Advantages And Disadvantages Of Nbfc 2.12.1 Bank Finance to Registered NBFCs In the context of mandatory registration of NBFCs with the Reserve Bank, as also consistent with the policy of bestowing greater operational freedom to banks in the matter of credit dispensation, the ceiling on bank credit linked to Net Owned Fund (NOF) of such companies has been withdrawn in respect of all NBFCs which are statutorily registered with RBI and are engaged in principal business of equipment leasing (EL), hire–purchase (HP), loan and investment activities. (RBI Notification /2004–05/14) 2.12.2 Bank Finance to NBFCs not requiring Registration In respect of NBFCs which do not require to be registered with RBI, viz. i) Insurance Companies registered under Section 3 of the Insurance Act, ... Show more content on Helpwriting.net ... The following activities undertaken by non–banking financial companies engaged in leasing activities are not eligible for bank credit. As such, these items should be excluded from the build–up of current assets while arriving at permissible bank finance for all categories of NBFCs: a) Bills discounted/rediscounted by NBFCs, except where specifically permitted; b) Investments made in shares, debentures etc. of a current nature, i.e., stock–in–trade; c) Investment in and advances to subsidiaries, group companies or other entities; and d) Investments in and inter–corporate loans/deposits to other companies. ii. In respect of items indicated at (a) and (b) above, banks should not make any adjustment in the projected net working capital (NWC). It may be added that the projected NWC represents long–term surplus available to support current operations and, therefore, does not need to be adjusted as a result of changing/pruning the level of current assets while reducing the level of maximum permissible bank finance. (RBI Notification, 2009) 2.15 Acceptance of Public Deposits by NBFCs engaged in Lease ... Get more on HelpWriting.net ...
  • 3. Community Case Study Respondents Carmen Marine Cooperative and Cagan Management Group, Inc. (Respondents) deny that they retaliated against Complainant based on a previous Complaint filed at the Commission or failed to accommodate based on her son's disability. Respondents state that Complainant and her husband applied for membership in the Cooperative in April of 1999, for a two–bedroom apartment for themselves and their son. They were approved and on May 13, 1999, Complainant and her husband purchased their membership. Soon after, Complainant, her husband, and minor son Anthony moved into unit 1409. As to the noise, Respondents assert throughout Complainant's membership, they have received numerous noise complaints from other residents about the noise ... Show more content on Helpwriting.net ... Department of Housing and Urban Development regulations and maintains its waitlists according to the policy delineated in the Cooperative's membership selection plan. Respondents state that they determine priority based on the following the HUD regulations and [Cooperative] documents. Respondents state that the Cooperative should always accommodate qualifying family size at the time application [is] filed, and must meet family needs according to agreement regulations. Family size should always have priority over a single applicant. In case of the same family size applicants, seniority will have priority. Respondents state that Complainant filed an application for a three–bedroom unit in 2006 and was placed on the waitlist. Respondents explain that the Building has a limited number of three– bedroom units so it is not unusual that applicants would remain on the waitlist for an extended period. Respondents continually audit the waitlist to ensure that all applicants are properly qualified for and still desire a three–bedroom unit. Respondents state that on November 14, 2014, in response to an audit, Complainant confirmed that she still desired a three–bedroom unit and had a family size of four people. Respondents state that there was no indication that the request for a larger unit was as a reasonable accommodation for Complainant's son and husband's disability ... Get more on HelpWriting.net ...
  • 4. HOW TO SOLVE THE FORECLOSURE CRISIS HOW TO SOLVE THE FORECLOSURE CRISIS What do we think when we hear the word "foreclosure"? Most people realize that it's definitely something that is not good, some say that it's when someone fails to do something, but those people don't really know the meaning of it. But before I present my idea let's review the meaning of such process: From the website of InvestorWords.com foreclosure Definition The legal process by which an owner's right to a property is terminated, usually due to default. Typically involves a forced sale of the property at public auction, with the proceeds being applied to the mortgage debt. The issue of the foreclosure crisis is a controversial one. On the one hand, from the buyer's point of ... Show more content on Helpwriting.net ... I truly believe that we must bring together all parties involved (buyers, sellers, bankers, consultants, government officials, and regulators as well), since the problem equally affects all parties; it's in for the best interest of everyone to listen, analyze and share the best possible solution available. I propose to create a Housing agency at the federal level named "The People's Housing Cooperative" which monitors and regulates the creation, operation and compliance of the housing industry, membership will be voluntary, it's implied that all states and territories will comply, and bind to the agreement. To begin with, "The People's Housing Cooperative" will be based on the following components for a typical house model: 1. Land: which is referring to the physical location in which the structure was and/or has been built. 2. Construction Materials: which is referring to all materials utilized to erect a house including exterior and interior fixtures. 3. Labor: which is referring to the physical activity employed by many persons to erect the house? The cooperative approach works in the following way, anyone interested in acquiring a house (which ranges from a single family story unit and/or up to a multiple story building) must be willing to work during the construction phase of the unit without any compensation due to the person (later on, that time spent will
  • 5. ... Get more on HelpWriting.net ...
  • 6. Peace Kawomera Coffee Cooperative Case Study Table of contents 1.0 EXECUTIVE SUMMARY 2.0 The cooperative success is based on 2.1 Objectives 2.2 Mission 3.0 The summary of the cooperative 3.1 Cooperative ownership 3.2 History of the cooperative 4.0 Short term plans for the cooperative 5.0 Long term plans for the cooperative 6.0 Production and products 6.1 SWOT analysis 7.0 Market analysis and plan 8.0 Strategy and implementation 9.0 Risk management plan 10.0 Management summary 11.0 Calendar of important activities each season 12.0 Financial plan 12.1 Appendix 1 Financial statement 12.2 Cash flow 13.0 Reference 1.0 EXECUTIVE SUMMARY Peace kawomera coffee cooperative produces Arabica coffee through its 6200 membership of small holders which it processes and sells to overseas nations USA to its roasters in Thanksgiving coffee company and COEXIST FOUNDATION AMERICA. The cooperative is to increase ... Show more content on Helpwriting.net ... 2.2 Mission To improve the economic livelihood of the 6,200 small holder individual coffee farmers registered with peace kawomera in Mbale district through direct export of their coffee to international coffee markets This will not only safeguard the interests of 6,200 small scale coffee farmers, but also facilitate the maximization of returns from their coffee sales proceeds creating a sustainable community. 3.0 The summary of the cooperative The cooperative runs an organic certified scheme with its farmers headed by a democratically
  • 7. elected farmer board members who oversee the management, it only buys coffee from the small holder certified farmers in parchment form, processes it and bags it in 60kg bags and exports. It mainly sells its coffee to two American roasters of high quality coffee. 3.1 Cooperative ... Get more on HelpWriting.net ...
  • 8. The Pros And Cons Of Group Health And Kaiser Permanente Founded in 1946, Seattle's Group Health Cooperative was created by doctors and community members who believed that there needed to be a health care program that was affordable, member centered, and held principles of social justice. This cooperative was one that had been successful for many years, but just recently was acquired by the not for profit Kaiser Permanente health–care company on February 1, 2017 for 1.8 billion dollars. Although Group Health is a cooperative and Kaiser Permanente is a nonprofit healthcare company, they have similar views on how they run their companies because both have missions to put their members and employees first. This is something that the articles stressed because this merge is going to affect thousands of members and employees. I plan on focusing on the process Kaiser Permanente had when wanting to take over Group Health Cooperative, the pros and cons of the final decision to merge the two healthcare programs, and ultimately how Group Health's marketing and management strategies will be implemented in the merge. (12) Back in December of 2015, Kaiser Permanente planned to acquire Group Health Cooperative for 1.8 billion dollars with a proposition to invest $1 billion in new equipment, staff, facilities and research in hope to improve health in Washington state. In the Advisory Board's article Eyeing growth, Kaiser announces first major acquisition in over a decade it says, "these deals are focused on delivering a better product to ... Get more on HelpWriting.net ...
  • 9. Case Study: Go Global or No Case study: Go Global or No Abstract Greg McNally, the CEO of the DataClear had owned the data analysis market for two years to itself. But British VisiDat had starting to compete by producing beta testing of data analysis package. DataClear had the potential to expand their business in other industries such as the chemical, petrochemical and pharmaceutical or expand overseas to prevent their business from going down and beaten by the competitor. Issues As the British VisiDat starting to sell similar product, the data analysis package market will not owned to the DataClear anymore. Worst, if the VisiDat are entering the global market, the DataClear performance will badly pressured if they did not take any action quickly. The CEO of ... Show more content on Helpwriting.net ... They are lack of experienced to do business across–border, so they did not yet prepare to do so. They did not have international sales strategy and the CEO also lacks of international management experience. If they interested to go global, they have the opportunities to joint venture with Benro which are familiar to the Europe. As that can reduce the cost by making Benro as the distributor of their software, Benro also familiar to the Europe culture. Even so, they have many threats that trouble them to maintain their performance. As they are starting to have competitors, they must do something to assure their business survives. If they decides to expand internationally, they must account the high cost of starting up business in other country. Besides the different language and culture, they lacks of expertise to recruit local quality staff. They also might faced difficulty to transfer their fragile installations equipments. Based on the CAGE framework, shows the analysis of the condition of the company if they want to expand their business internationally. In cultural distance, obviously, they use different language and have different ethnicities. If they want to run business in other country like Japan, they have to know the social norm in the country. Like in Japan, they detailed their works perfectly and not likely to take risk and choose the safest option while the U.S people are risk ... Get more on HelpWriting.net ...
  • 10. Business Owners Of Sole Proprietorships And Partnerships I. Introduction When the term "salary" comes to mind, people reference employee wages and the taxes paid by both the employee and the employer. However, the term has a slightly different meaning when it comes to payment of business owners. There are many options on how business owners can be paid, but the options are based on the business entity election. Business owners of sole proprietorships and partnerships do not receive a real salary; instead they receive profit distributions from business operations. Profits from a partnership are then divvied up based on the ownership percentage of each partner. They are not responsible for paying the FICA tax, but they do need to pay self– employment taxes and quarterly estimated taxes. Business ... Show more content on Helpwriting.net ... The first major source include the services performed by the shareholder (i.e. administrative tasks & daily business tasks) in which require compensation to be awarded from distributed profits. The second and third major sources include acquired profits from non–shareholder employees as well as equipment and capital added to the business. The profits that are distributed from these sources are indirectly created within the business and are to be distributed as compensation and dividends (S Corporation Compensation and Medical Insurance Issues 2016). The IRS knows that business owners are not keen on paying taxes, so they have put together a list of rules to make sure that business owners are compensating themselves. One of the biggest advantages of electing the S–corporation status is being able to take a salary as well as distribute profits to shareholders. However, determining the amount of the business owner's salary can be problematic. Since Mr. Jones and Mandy are going to take salaries of $180,000 and $70,000 respectively, the IRS is not going to notice red flags. Another key point is that profits should be divided in a way that salaries are more than distributions. The 60/40 split allows Mr. Jones to claim 60% of all profits to be distributed, nothing higher or lower. If Mr. Jones' company made $100,000 one year, he could not claim anything higher ... Get more on HelpWriting.net ...
  • 11. The Great Canadian Real Estate Crash Of 2013 Toronto is the largest condominium market in North America followed by Montreal, Calgary, and Vancouver along with Halifax and St. Johns. Up until 2013 the market had been growing and especially booming in Toronto. In 2013 this high condominium purchasing rate attracted the attention of the Bank of Canada, and the question was posed whether satisfying this high demand, including from foreigner's side, was a good thing for the market. Following that, the banks became more "cautious" when lending funds for construction or to purchase a unit. Low interest rates were believed to be favouring the booming demand. An increase in interest rates was believed to be a serious threat, however the probability of that happening was perceived as low in ... Show more content on Helpwriting.net ... The upward trend in condominiums ownership by individuals is seen in the numbers: in 1971 only 5% of all condominiums were occupied by private owners, whereas in 2001 this number reached 19%. In the same year two of every three apartments formed part of a condo. In 2001 condominiums accounted for 8% of all real estate in metropolitan cities, while they were only 1% of all real estate in smaller cities or in rural areas. There was a difference between the major metropolitan centers. Almost one fifth of privately owned real estate in Vancouver in 2001 were condominiums, 70% of which were apartments. In Quebec City and Montreal this number was 80%, whereas it was 50% in such cities as Edmonton, Calgary, and Ottawa dominated by "row houses" (Canada Mortgage and Housing Corporation, 2004). Immigration, Migration and Population Search for employment within a province and nationwide had led to an increase in migration within Canada, both intra and inter–provincially. External immigration increased too and the difference between external immigration and emigration abroad was estimated to reach roughly 316 thousand people in 2013. Such population growth may be a positive trend for the real estate market, yet it is seen by some a threat to economy fuelled by potentially rising unemployment (PWC, 2013). In 2013, migration patterns were benefiting Calgary at a higher than average national rate: 1.9% vs. 1.4% increase in population. Still, the popular belief ... Get more on HelpWriting.net ...
  • 12. Kcdfs Vxvxv THE AHMEDABAD DISTRICT CO–OPERATIVE BANK LTD. NEAR GANDHI BRIDGE, OPP.INCOME TAX OFFICE, ASHRAM ROAD,AHMEDABAD – 380009. TEL NO.27542608–09–10–11, FAX NO.(079) 27541651 (REG NO. 3896–7 DATED 09–03–1925) BRIEF HISTORY OF THE BANK This bank was originally registered as the Dascroi Taluka Co–opearative Federation in 1922.The above federation was financed by the Apex Bank for on–lending to the affiliated societies. In year 1925,the federation was given name of Dascroi Co–operative Union and objects of this union were identical to that of the District central Co–opearative Bank, and subsequently in 1937 amendments were made in the bye–laws of the union and the bank started working as Ahmedabad Central Co– operative Bank Ltd. This bank ... Show more content on Helpwriting.net ... To augment the profits of the bank has stated non–farm advance since 1999. There is a gradual increase in Non–farm advance. The maximum individual loan limit is Rs.20.00 lakh and Rs.12.00 lakh in urban and rural areas respectively. Our investment in Government Securities as on 31–3– 2009 is Rs.11110.54 crore. Ahmedabad is a Mega Industrial city and Gandhinagar is State Capital, therefore, there are number of salary–earners and urban credit co–operative societies in our jurisdiction. There are good number of urban co–operative banks in Ahmedabad and Gandhinagar districts,of which 82 urban co– operative banks are members of our bank, out of which 23 urban co–operative bank are our sub– members in clearing house. Shri Ajaybhai Patel who has been elected unopposed for the last three tems, on assuming the chame for the first time as a Chairman on 06–01–2003, introduced action plans to improve the profitability of the bank and impressed upon the importance of recovery in NPAs. Under his leadership for the first time in the co–operative sector in the State "Lok Adalat" was used to settle chronically overdue accounts and it received good response from the borrowers. The staff of the bank was given training and seminars were organised to improve their knowledge/working capabilities. As a result during the year there was considerable improvement in mobilization of low cost deposits and increase in ... Get more on HelpWriting.net ...
  • 13. The City 's Housing Market 'Location efficient ' neighborhoods, and employment and recreational opportunities in walking and biking distances are attracting more and more people to reside in the downtown core. Studies show that, since 1976, the residential population has doubled, with more than 240000 people living in the Area and the ownership share has increased by almost two times since 1996 (City of Toronto. 2014b). Accordingly, the City 's housing market is dealing with more and more housing needs (CHBA, 2012; Landau, 2013). Also, Toronto Official Plan identifies the Area, as a place to accommodate significant population growth by 2041 (Ontario. Ministry of Finance, 2014). As a consequence, the value of land in the Area is extensively increasing and ... Show more content on Helpwriting.net ... To overcome the limitations in land supply, a number of municipal and provincial policies and programs have been initialized to redirect growth, intensification to the existing built–up sites in the Area. These policies promote transforming or conversion of brown–field sites (formerly– deteriorating industrial and commercial sites) as well as improvement of the un–/under–utilized lands and buildings, and at–grade parking lots, for high/dense condominium developments (Pantalone, 2014). The City permits the conversion through re–zoning or re–designating of land from one use to the other, which also overcomes the density controls imposed on those lands. For example, employment or brownfield lands to mixed–use or residential developments (Lehrer & Wieditz, 2009). The conversion of land from one use to another requires an amendment to zoning bylaws and, sometimes, an amendment to the municipal Official Plan. This conversion is possible when the developers make a S37 agreement, Density Bonusing agreement with the City of Toronto. 5.1.4 Housing Affordability Issues The City of Toronto is recognized for its highest market–based economy and housing costs in the country (Wellesley Institute, 2014). In a market–based economy, the market decides the major share of housing. Today, the market of housing is burgeoning on most expensive ... Get more on HelpWriting.net ...
  • 14. Warehouse Advantages And Disadvantages 3. Type of warehouse 3.1 On the basis of Structure Warehouse are built in different ways to meet the special requirement for storage. Different warehouses are constructed for specific goods. While selecting the types of warehouse, one has to take into consideration the factors like the nature of goods, the quality and the climatic condition. From the point of view of structure, the following types of warehouses are found:  Classical Warehouses  Silo  Bins  Elevator  Portable Warehouse  Automatic Warehouse 3.1.1 Classical Warehouses It is a single storey building divided into various compartments through a concrete wall. These warehouses are generally used for storage of general merchandise. Racks and lift trucks may also be provided ... Show more content on Helpwriting.net ... A public warehouse is also known as duty–paid warehouse. Public warehouses are very useful to the business community. Most of the business enterprises cannot afford to maintain their own warehouses due to huge capital Investment. In many cases the storage facilities required by a business enterprise do not warrant the maintenance of a private warehouse. Such enterprises can meet their storage needs easily and economically by making use of the public warehouses, without heavy investment. Public warehouses provide storage facilities to small manufacturers and traders at low cost. These warehouses are well constructed and guarded round the clock to ensure safe custody of goods. Public warehouses are generally located near the junctions of railways, highways and waterways. They provide, therefore, excellent facilities for the easy receipt, despatch, loading and unloading of goods. They also use mechanical devices for the handling of heavy and bulky goods. A public
  • 15. warehouse enables a businessman to serve his customers quickly and economically by carrying regional stocks near the important trading centres or markets of two ... Get more on HelpWriting.net ...
  • 16. The Affordability Problem Of Washington State The affordability problem is across all states and largely affects the working wage earners and below.(Housing Needs Assessment, 2015 booklet page 297) This is because throughout the nation there is a large differences between minimum wage, housing wage, and the affordable units available. As noted earlier in the essay, King County is experiencing a huge affordable housing Crisis. The 2015 Housing Needs Assessment indicated that there are only 28 affordable units for every 100 extremely cost burden families. Washington State is short in 166,058 affordable units, 2015. With Seattle economy and populations growing each year these affordable units are necessary to maintain the working class. In many states such as Washington, the housing wage is twice as much as the minimum wage per hour creating a population of cost burdened residents. In the state of Washington there are 353,472 households that are severely cost burdened creating a large gap between the 100,098 affordable units that are available creating the 253,375 units still needed. To afford a market priced two bedroom apartment in Washington, an individual needs to work 115 hours a month with a minimum wage $ 9.47 to pay the average rent of $1089 per month. (Housing Development, 2015 page 2015) The difference between minimum wage and housing wage is even more distinct in King County and Seattle. King County minimum wage is $11 per hour with a housing wage of $27.21 per hour. For working wage individuals in Seattle ... Get more on HelpWriting.net ...
  • 17. Key Characteristics Of Gentrification Gentrification is the process of renovating and revitalizing undervalued and dilapidated residential and commercial areas by the middle or upper class. It is driven by the notion called the "rent gap". The "rent gap" is the difference between current rent and potential rental income. People will invest in these deteriorated urban areas to obtain potential rent in the future. Consequently, once new money flows in these areas, it forces rent to surge. High rents force low income residents to relocate from the area. This is one of the key characteristics of gentrification, the displacement of local residents. Gentrification is driven by both private investment and government policies. Gentrification is a growing concern in New York. It causes ... Show more content on Helpwriting.net ... The Nation publication writes "Miguel Robles–Durán.....makes a convincing case that among the most useful tools are limited–equity cooperatives of the kind established under New York's 1955 Limited–Profit Housing Companies Act, better known as Mitchell–Lama. Under these programs, households own shares in a building, but the price at which they can sell their shares is limited for a certain period of time, usually twenty years. These arrangements offer stability of ownership without the skyrocketing prices that accompany real estate speculation." There are numerous benefits of this program. Mitchell–Lama Housing projects promote economic and social integration in their communities. They have become stable and burgeoning communities. The integral components in ensuring the success of this program are maintaining the quality of the cooperatives and making sure housing units over time are slowly pushed to market values. As the designated time for subsidized rent ends, the surge in rents forces some households to leave the area. However, if there was a more gradual increase in rent prices over time, then this would not be the case. Oversight of these cooperatives is pivotal to their success. State Sen. Jeff Klein said that "The Mitchell–Lama program, I believe, was probably the greatest housing program we ever created in New York State because it was based on a very simple premise: that various ... Get more on HelpWriting.net ...
  • 18. Advantages And Objectives Of Cooperatives What are the goals and objectives of cooperatives? The primary objective of every cooperative is to help improve the quality of life of its members. Towards this end, the cooperative shall aim to: (a) Provide goods and services to its members to enable them to attain increased income, savings, investments, productivity, and purchasing power, and promote among themselves equitable distribution of net surplus through maximum utilization of economies of scale, cost–sharing and risk–sharing; (b) Provide optimum social and economic benefits to its members; (c) Teach them efficient ways of doing things in a cooperative manner; (d) Propagate cooperative practices and new ideas in business and management; (e) Allow the lower income and less ... Show more content on Helpwriting.net ... This financing shall be in the form of blanket loans to qualified cooperatives, without need for individual processing. How to organize a Cooperative? Organizing a cooperative can be complex and simple. It requires an understanding of the basic needs of the prospective cooperative members. It demands patience from the organizer who must make the cooperative's long–term goals and objectives, and its visions a real part of the members' lives. But it can be too easy because the Cooperative Code of the Philippines (RA 6938) has devised very clear–cut steps for the cooperative organizer and members. The following are the basic information that the prospective members should understand before organizing a ... Get more on HelpWriting.net ...
  • 19. Homeless Men Research Paper I kissed a homeless guy because I am desperate, so desperate in fact that this wasn't the first but instead the twenty–sixth. Yes, you heard it, I am so desperate to love someone that I am willing to kiss whoever to find them, and until then I will kiss however many homeless guys it takes to find the one. I promise I am not crazy, but rather a 36 year old single working lady who has never really had any fun and has yet to meet "the one." I told myself that it would never get this far and eventually I would meet my true soul mate and with time build the family I have always dreamed of having, but here I am now wondering the streets kissing the crusty lips of all the homeless guys I can find. Some people may ask why I would look to find my soulmate ... Show more content on Helpwriting.net ... As I head into work I notice multiple people sitting at the top of the stairs, something very unusual to my otherwise boring work day so I continue to walk up the stairs glancing as often as I felt it was socially acceptable, and then suddenly recognizing the all too familiar faces of three men. These are three homeless men I have met before all coming back for some unknown reason and ruining all of the very small reputation I have built for myself. I walk past hoping that by ignoring the obvious problem would allow for it to somehow go away, but as I walk further and further past with still no words from the men I begin to become even more worried. As I approach the door I see what would forever be etched into my vivid memory, a poster with three different pictures all of my kissing three seperate men. As my heart seemed to drop to my stomach the men approached explaining that they had caught on to my plan and that this was the only way for justice to be served. So many thoughts should have been rushing through my head in that very moment, but there was only one. It was whether or not Jim has seen this embarrassing poster and if he has how in the world am I ever going to explain this to him. I took the poster from the door and walked into my office. I could feel every judgmental face staring back at me as I walked to my cubicle, but only one meant anything to me. In that moment I knew, without any words being spoken that Jim knew and that I was going to do whatever it took to get him ... Get more on HelpWriting.net ...
  • 20. The Financial Industry And Its Impact On The Canadian Economy Introduction In this case study, Vancity's CEO, Vrooman, is faced with making the tough decision of deciding if her organization is in a position to reprice its line of credit offerings, in order to stay afloat and competitive, and at the same time, not loose the trust of its customers, who also happens to be the owners. Furthermore, the study showcases how Vancity's innovative value to adapt to the changing needs in their community gives them a competitive advantage amongst other financial institution. This case is important as it explains tough decisions that top executives and organizations as a whole, are often faced with making, in order to stay competitive and profitable. It also discusses the financial impacts of the recession in the late 2000s on the Canadian economy, particularly the financial industry. This paper will begin with an introduction to this case, discussing the financial industry, and its impact on the Canadian economy, also to be accompanied with some background information on the case study. This will be followed with an analysis of the case study and I will then determine possible decisions that could be taken, and the merits/drawbacks of each decision. At this point, I will elaborate on what decision I think would be ideal and provide the best outcome of benefitting both the organization and its customers. Background Information The financial industry in Canada is considered to be really stable and highly ranked globally. During the financial ... Get more on HelpWriting.net ...
  • 21. Evaluating Bob 's Process For Establishing The Nss... 1. Evaluate Bob's process for establishing the NSS advisory board. What could be improved? Bob's rationale behind establishing an advisory board, and his approach for selecting its members, has thus far been successful and valuable for him and the company. He correctly recognized the importance of "the big picture," as he chose people whose backgrounds covered a wide range of industries and skills and who could therefore fill in any gaps. Furthermore, Bob's choices were all successful business professionals, so he could therefore be relatively sure that they would be effective in handling any future challenges and recognizing future opportunities. Bob was also cognizant that the business and the family needed unbiased consultants in order to offer advice regarding family employment, and establishing the advisory board presented an outlet in which family members could privately discuss any issues on their mind. Lastly, he established an objective for the board, in that the board would only focus on the "big picture," which meant that they didn't get caught in the daily details or argue over the day–to–day routine. However, he was fortunate in several ways in how well the board worked out. For example, he didn't clear the names with his brother Rex until after he had already offered them a board position and they'd accepted; this could have caused conflict with Rex if he had felt slighted or left out of the decision–making process or if he had had any complaints about any ... Get more on HelpWriting.net ...
  • 22. How Rent Control Has Helped New York Economically And How... This essay would be an economic analysis concerning how rent control is used to ensure housing is affordable in New York. Using the market model, information and numerical statistics, this essay would prove how rent control has helped New York economically and how London currently has rent inflation. An explanation will then be given to why London needs to introduce rent control, and if London does not do that, there would be some serious consequences. An economic analysis will be given to the effects of introduction of rent control in London. Rent control is used to ensure housing is affordable. Rent control basically means price control usually set by the government that limits the amount a property owner can charge for renting out a home, apartment or any other real estate. Rent control acts as a price ceiling by preventing rents from being charged higher than a certain price. It is argued that governments need to help the poor find affordable housing by placing a ceiling on the rents the landlords charge their tenants. "In New York, 77% of households renting rather than owning their homes," according to the National Low Income Housing Coalition. "Carl Weisbrod, chairman of the New York City planning commission, said rent regulation "is essential for the future of the city, for its economic goals, for social equality to make a city attractive and available for all, rich, poor and middle class". Weisbrod added that the programme will ensure New York remains ... Get more on HelpWriting.net ...
  • 23. Social Reformers During The Early Years Of The 20th Century Many social reformers in the early years of the 20th century focused on the plight of child laborers who worked in both the home and the factory in New York City. One of the pressing issues they sought to bring light to was the dangerous conditions and injuries the children faced, as well as long hours and mistreatment. While many workers during this time faced similar problems, children were particularly vulnerable because they were often encouraged to work by their parents, who needed the extra income, and because they could not speak up about the abuses they faced. Social reformers collected a great amount of evidence, especially through interviews and the use of the rapidly developing technology of photography, eventually succeeding in passing child labor laws that protected these particularly downtrodden workers. Photography was a relatively new technology at the time, and reporters used it to great effect when capturing the different aspects of life as a child laborer. Cameras were more portable and quicker to use than art supplies, and photographs easier to duplicate, so the rapid production and transmission of images meant that more and more depictions of the life of child laborers could enjoy greater awareness. In addition, flash technology meant that photographers could more easily capture images of dimly lit tenements. These photos were reproduced in books and newspapers which received lots of exposure, such as Jacob Riis's How the Other Half Lives, which ... Get more on HelpWriting.net ...
  • 24. The Annual Women And Fair Trade Festival Essay On a crisp morning this past fall, cooperatives from around the world set up shop in an Austin, Texas, church for the annual Women and Fair Trade Festival. While most of the vendors were veterans of collective organizing, one group of single immigrant mothers used the festival to debut their food cooperative, Cooperativa Posada. Three Mexican women–Silvia, Elideth, and Erika–and a Guatemalan woman named Hilda spent a near–sleepless night preparing dozens of their distinct regional varieties of tamales, some wrapped in corn husks and others in moist banana leaves. Nebat, the lone Ethiopian member of the cooperative, prepared some luscious, dark, traditional Ethiopian coffee by roasting the beans on a metal plate over an open flame, then grinding them by hand. The products of their labor were not only nourishment for the festival attendees (who lined up for a taste), but also an attempt to raise the awareness–and donations–needed for their cooperative to succeed. On a broader level, the tamales and coffee represented the mothers' efforts to create an opportunity for self–sufficiency, to foster collective economic empowerment, and to forge a path forward for themselves and their families. All the Cooperativa Posada members currently live or have lived at Posada Esperanza in Austin, a shelter for homeless immigrant mothers and their children. The shelter houses 16 families, most of whom are undocumented immigrants or asylum seekers from Latin America and Africa who have fled ... Get more on HelpWriting.net ...
  • 25. Advantages And Disadvantages Of Cooperative Theoretical Background The history of forming a cooperative started when the Filipinos traveled in Europe during the later part of the 19th century, studied abroad and brought home with them new ideas. It was this group of Filipinos who were in close contact with the new economic movement in Europe. Two names worthy of note were Dr. Jose P. Rizal and Teodoro Sandiko. In Dapitan, Rizal had his ideas in cooperation partially fulfilled. He put up a school for the poor community on a purely cooperative basis. He also established a cooperative store with the help of his pupils. One noteworthy group organized by Rizal was the La Sociedad de los Abacaleros (Society of Abaca Producers). This functioned for only one year. Rizal returned the members share capital without any loss. Teodoro Sandiko, in his travels in Europe, had a close contact with the cooperative movement in Germany where he came across with the Raffeisien movement. Very much impressed by this type of cooperative, he looked forward for an ... Show more content on Helpwriting.net ... One main advantage of cooperative is that it is easy to form compare to any other business organization. No legal formalities are really needed to form this.(Thames & Hudson, 2011) Second advantage is that there is no obstruction for membership. Anyone can be a member of a cooperative and can also leave if he/she no longer wants to continue his/her membership. (Davidson &Davidson, 2010) Third advantage is that it is democratically managed; it is managed by the elected officers of the cooperative with all the members having the equal right to choose and vote. (Democracy for Cooperation, 2010)The last or fourth advantage is that the members shared the surplus of the cooperative. The profit from goods sold are distributed to its members and some of it are reserved or kept also for the welfare of its member which is mainly used for the managing or expanding of a cooperative. (Today in Cooperatives, ... Get more on HelpWriting.net ...
  • 26. The Reality of Jacob Riis' How the Other Half Lives Essay The Reality of Jacob Riis' How the Other Half Lives Jacob Riis' book How the Other Half Lives is a detailed description on the poor and the destitute in the inner realms of New York City. Riis tries to portray the living conditions through the 'eyes' of his camera. He sneaks up on the people flashes a picture and then tells the rest of the city how the 'other half' is living. As shocking as the truth was without seeing such poverty and horrible conditions with their own eyes or taking in the experience with all their senses it still seemed like a million miles away or even just a fairy tale. The reality of this book hit the people of New York right between the eyes. Riis was once ascribed the label of lower class society, but ... Show more content on Helpwriting.net ... Riis covers many aspects of the poverty that has stricken the tenement lodgers but when talking about one end of the spectrum (poor) you also need to discuss the other (rich). With out telling people how the other half of the other half lives he's leaving out a crucial part of how people live in New York. By avoiding, that topic he's giving the illusion that all people in New York live in such cramped housing as tenements. When in reality New York was and is presently not composed of strictly tenement housing. There was a 'rich' part of town where the thought of not having any money was never even contemplated. In addition, where the industrial revolution only touched higher societies on positive outcomes such as economics the industrial revolution only made it harder for the immigrants to get ahead. By this, meaning, that they worked harder, got paid little to nothing, and still had to compensate for the short comings that where being pressed against them because they were in fact immigrants. Although the industrial industry played a major role, in how all the tenement dwellers made their incomes Riis never discussed that issue at any great length. He focused purely on the housing and the conditions of it. One of the examples of the conditions in the book refers to how dusty and full of dirt the buildings are. On page ... Get more on HelpWriting.net ...
  • 27. P2/M1 Unit 37 Essay examples Explain the implications for the business and stakeholders of a business operating ethically. (P2) All businesses have a number of stakeholders each with individual interests in what the business does, the owners (In co–ops case, the members) will want good financial gains from their investments. Businesses such as co–op should be managed with the interests of all stakeholders in mind. Stakeholder is anyone with an interest in a business. Stakeholder can be individuals, groups or even organisations that are affected by the activity of the business, they include: Owners who are interested in how much profit the business makes Managers who are concerned about their salary Workers who want their wages to be ... Show more content on Helpwriting.net ... As I mentioned in the introduction it is more than likely that there will be conflict between one or more of the stakeholders of the cooperative, one conflict that is more than possible is between the environmentalists and the members of the cooperative. If the co–op bring out a brand new product or range etc at it seems to be doing well then the members will be pleased that their investments has paid off and they are getting good profits of it. However if the products is controversial for example tree's have been cut down to help make the packaging of the product then environmentalists might decide to make a big campaign, protesting to get the products of the shelves. If the environmentalists succeed in their protests then it means the members are losing a good profit which is a big loss for the company. The second type of stakeholders is: External stakeholders: Groups who may have an impact in the business but are not in the inner circle – eg suppliers and the local community. The suppliers are a very important part of the business and without them the co–op wouldn't be able to function properly. If for example the co–op wanted to reduce their carbon emissions then this could affect the suppliers. Because the suppliers will normally either use big lorry's or through aeroplanes (if they are shipping from abroad) this ... Get more on HelpWriting.net ...
  • 28. Eureka Garden Apartments Case Study Eureka Garden Apartments are located in Jacksonville, Florida's Westside neighborhood. There four hundred apartments in this complex which are rented out to low–income individuals and families. The human rights and social injustice issue that these community members are facing has to do with inadequate housing. Back in October of 2015, a few of the residents banded together and wrote a letter to the city describing their living conditions at the apartments and managements unwillingness to fix these problems. Soon after, the city's mayor, city inspectors, and city council members descended upon the property in order to see if what they had read was true. What they found was deplorable. Tenants were living in unsanitary conditions which included: ... Show more content on Helpwriting.net ... They stay in these particular low–income apartments, not because they chose to, but for the fact that most do not have the funds that are necessary to up and move to a new place. If they did have the money, other low–income housing has wait lists or is in just as bad of shape. This segment of the population, being poorer, is generally less educated. This can lead to them being taken advantage of. For example, complaining to management one too many times can get you evicted. Another example, is the black mold, this can make the tenants extremely ill, causing adults to miss work and children to miss days at school. At the mezzo environment, relationships between the micro systems can be impacted. According to Ambrosino, Ambrosino, Heffernan, and Shuttlesworth, "The interaction of one micro system influences the interactions of the others" (2016, pp.64). Employers may fire an employee who misses too many days or a child will do poorly if school attendance drops. This community of friends and neighbors were tired of their inadequate living conditions and banded together in order to gain the attention of those in power who could fix these ... Get more on HelpWriting.net ...
  • 29. National Cranberry Cooperative Case Study Essay National Cranberry Cooperative Case Study 1. How might transport vehicles be utilized more effectively? Should crews be scheduled differently on peak days?  More crews should be scheduled in the bagging station during peak days  The fourth bagging station should be utilized during peak hours (instead of just three of the four being used at a given time)  An additional 2,667 bbls per 12–hour period could be processed with these changes At receiving plant no. 1 (RP1), trucks would arrive randomly throughout the day, with a random amount of berries, anywhere from 20 to 400 bbls. In order to utilize transport vehicles more effectively, there should be crews scheduled differently on peak days. It only takes 5 to 10 minutes to unload a ... Show more content on Helpwriting.net ... 3 berries should actually be graded No. 2B The installation of a berry grader would positively impact the cooperative's income, while negatively impacting the farmers' income. With the current system, 450,000 bbls. of berries are paid a premium of 50 cents per bbl, yet when the berries are used only about half of them are actually considered No. 3's (berries with the best color). So basically, the cooperative is paying a premium on 225,000 bbls. more than it should be, and that worked out to about $112,500 in 1970. It would cost the cooperative $10,000 to install a berry grader, plus the cost of another full–time skilled operator, but it would still impact their income greatly. The farmers' would probably prefer that the cooperative continue to grade the color using pictures as a guide, because they are being paid a 50 cent premium on about half of their No. 3 berries that should actually be considered No. 2B. Calculations: 450,000 bbls. divided by 50% equals 225,000 bbls. 225,000 bbls. at 50 cent each is equal to $112,500 per year Fixed cost: $10,000 for installation of berry grader 3. What is the impact of installing one new dryer? Two new dryers?  Each additional dryer will increase the amount of water–harvested berries that can be processed by 200 bbls. per hour for berries loaded to bulk trucks, ... Get more on HelpWriting.net ...
  • 30. Effect of Business Acquisition to Get Competitive... Effect of business acquisition to get competitive advantage based on the case study: Acquisition of Somerfield by Co–operative group Background: Business acquisition is one of the most vital tools to expand an existing business effectively. An acquisition takes place when an existing company buys another company which has more or less similar operating activities and ended up controlling it. It is clearly different from merger which is the integration of a business with another and sharing the control of the combined businesses collectively. Mergers and acquisitions (M&As) have long been considered as an one of the most highly appreciated method to achieve the desired growth rate and satisfying the key stakeholders. With rapid ... Show more content on Helpwriting.net ... Managing the process of acquisition correctly is the major challenge to make an acquisition work. A number of different factors that ranges from setting well defined goals to look for circumstances under which it will make sense to walk away must be carefully considered to make a successful acquisition. In order to carry out an acquisition activity one must first understand whether the business is ready for it. A SWOT (strengths, weaknesses, opportunities and threats) analysis can be carried out to assess the condition of the business as it might give a clear direction about how to take maximum advantage of the strengths, resolve weaknesses, exploit opportunities and avoid threats. Another way to understand whether the business is ready for an acquisition is to carrying out a strategic gap analysis. This involves identifying where the business stands now where one wants to see it after a defined period of time. By identifying the gap between the two one can decide whether acquisition is well enough to bridge the gap. However the extent of planning and research that can be done before making an acquisition decision does not always prove to be enough as situations outside of control may arise and one have to be prepared for these risks. Degree of uncertainty and the time and effort that are spent for the deal can in effect damage the performance ... Get more on HelpWriting.net ...
  • 31. Emilio Jacinto's Trading Cooperative A1457 Cooperatives: Principles and practices in the 21st century Kimberly A. Zeuli and Robert Cropp ABOUT THE COVER IMAGE: The "twin pines" is a familiar symbol for cooperatives in the United States. The Cooperative League of the USA, which eventually became the National Cooperative Business Association (NCBA), adopted it as their logo in 1922. The pine tree is an ancient symbol of endurance and immortality. The two pines represent mutual cooperation–people helping people. COOPERATIVES: ii Chapter 1 An introduction to cooperatives 1 Chapter 2 Historical development of cooperatives throughout the world 5 Chapter 3 Cooperative history, trends, and laws in the United States 59 Chapter 8 Procedures for organizing a cooperative ... Show more content on Helpwriting.net ... Coercion is the antithesis of cooperation. Persons a formal business model, compelled to act
  • 32. contrary to their wishes are not which has relatively recent origins. The earliest coopera– truly cooperating. True cooperation with others arises from a belief in mutual help; it can't be tive associations were created in Europe and North dictated. In authentic cooperatives, persons join The first signs of America during the 17th and voluntarily and have the freedom to quit the cooporganized hunting 18th centuries. These associ– erative at any time.3 The forced collectives prevaactivity based around lent in the former Soviet Union, for example, were ations were precursors to communities are associated with not true cooperatives. cooperatives. The pioneers Homo erectus, of the Rochdale Society in Another widely accepted cooperative definition is modern human 19th–century England are ancestors who lived the one adopted by the United States Department between 500,000 and celebrated for launching the of Agriculture (USDA) in 1987: A cooperative is a 1.5 ... Get more on HelpWriting.net ...
  • 33. Essay on Farmland Industries Inc. Introduction Today, when we hear the slogans "better farming, better food," or "proud to be farmer owned" one company comes to mind, Farmland Industries. We may think of this of this fortune 500 company as a leading agricultural powerhouse, which it is, however, it was not always that way. Background Farmland Industries Inc. was founded by Howard A. Cowden, who was born and raised in Southwestern Missouri. Cowden started young in the cooperative business by working for the Missouri Farmers Association (MFA). However; in October of 1927, he had resigned from the position of secretary for the MFA and started out on his own. Immediately following, Cowden ... Show more content on Helpwriting.net ... From here, Farmland Industries only increased its size, sales, and dividends, not to mention popularity. Some of the major lines include: Food Marketing, Feed, Crop Production, Grain, Beef, and Pork. Of course, there are many, many other lines that the company has produced throughout the years. Some of these things include: Ful– O–Pep (Union Oil Company's "Antiknock" gas designed to compete with ethyl), CO–OP tires, Batteries, Groceries, Canning and Dehydration, Tractors, Paint, Twine, Steel buildings, and many other successful ventures, along with many other flops. "We've been working to improve margins–by lowering costs, by implementing shared margin programs, by offering prebooking, and contracting programs in fuel, crop production, products, & feed–and by increasing our emphasis on providing timely information and other services" (Annual 94 2). Organizational Culture Today, Farmland is the largest farmer–owned agricultural input cooperative in the United States. Its mission is: To be a producer–driven, customer–focused and profitable "ag supply to consumer foods" cooperative system (The Farmland Cooperative System 6). The people of Farmland Industries believe in American agriculture. They believe that everyone involved in progressive agriculture in America today is entitled to a return on their ... Get more on HelpWriting.net ...
  • 34. Business Environment Task 1 and Task 2 BUSINESS ENVIRONMENT TASK 1 AND TASK 2 a)Identify the purpose of different organisation giving examples(AC1.1) Sole trader–it's a business that is owned by only one person and it can have one or more employees. This type of business organization often succeeds because the owner has total control of businees, the owner keeps all profit and it's cheap to start–up,but also it can be difficult to raise financial,it may be difficult to specialise or enjoy economies of scale and can also have problems with continuity if sole trader retires or dies. E.g * Small retailers * Plumbers * Builders * Beauticians * Internet entrepreneurs * Market traders * Grocers * Butchers Partenership it's a business that is ... Show more content on Helpwriting.net ... McDonalds, Holiday Inn, Pizza hut etc. Public sector refers to the part of the economy concerned with providing essential government services. The public sector includes such services as a police, military public roads, primary education and healthcare for the poor. Advantages: * Prevent exploitation of the customers * Avoid duplication of resources * Protect jobs and maintain key industries Disadvantage: * The government controls and runs everything E.g. Metropolitan police, British army etc. BEN&JERRY Ben&jerry stakeholders include management executive, chefs, creative artists, staff and brand ambasador. STRATEGIC OBJECTIVE * To became a leading brand amoung dairy product industries TACTICAL OBJECTVE * To employ professionals such as food and diet specialist,R&D executives and consultant. ETHICAL OBJECTIVE * Communicated to corporate social responsability and respect the earth and green environment. c) M1. Explain the responsabilities of an organisation and strategies employed to meet them. ASDA POLITICAL | ECONOMICAL | SOCIAL | TECHNOLOGICAL | ENVIRONMENTAL | LEGISLATIVE | Trading policiesEmployment lawTaxation(corporate ... Get more on HelpWriting.net ...
  • 35. Housing Persuasive Speech Today, I am going to speak about the affordable housing in Pittsburgh .First let me tell about why the affordable housing is preferred. People who live in affordable housing today want safe, decent housing for the same reasons that we all do. The reasons are mainly to provide a nurturing environment to raise their children. Another reason is to remain in the community where they were raised or to become part of a community in which they want to settle. Finally, to live in an attractive, safe environment that they can afford. People who need affordable housing are ones that are employed as secretaries, school teachers, local government employees, restaurant workers and sales clerks. These workers need affordable housing because of the wide gap ... Show more content on Helpwriting.net ... The completed Eastside and Bond apartment complex in East Liberty is perched directly above the MLK East Busway transit stop, and is a block from amenities like Target, Giant Eagle and a plethora of restaurants. In a sense, the apartment complex with 360 brand–new units is a perfect example of how city living can be extremely beneficial to residents of any income bracket: great public–transit access, close to grocery stores, and quality living conditions. Unfortunately for Pittsburghers of lower– and middle–income means, living in Eastside and Bond isn't attainable; a one–bedroom apartment there starts a $1,900 and two–bedroom units start at $2,300. And a group of affordable–housing advocates are upset about it. East Liberty Development Inc. statistics from 2015 show that East Liberty had 866 subsidized units, comprising about 32 percent of the rental units in the neighborhood. This is actually one of the higher percentages of affordable–units of any Pittsburgh neighborhood. However, these stats were compiled before the completion of the 360 Eastside and Bond luxury units. Additionally, the waitlist for subsidized housing in East Liberty is incredibly long and low–income residents have to wait between two to five years to be ... Get more on HelpWriting.net ...
  • 36. The Quarters : An Analysis Main Lessons One major aspect that was learned through this experience is that it can be extremely difficult to get in contact with actors who have agency, like The Quarters. They are not losing anything by choosing not to respond to our questions. But on the other hand, actors with less agency often respond because a good public image of them is beneficial to helping them gain agency or donations from individuals. Another interesting lesson is that even though affordable housing is difficult to find for University of Iowa and Kirkwood students in the Iowa City area ($500 a month per person is considered reasonable), those with considerably lower incomes or those that have a lack of familial support have an increasingly difficult time ... Show more content on Helpwriting.net ... Member Contributions Kathleen's contribution to the group project was to work with the other members to pick a sustainability issue within the local community and to help create the initial and second actor map. Also, she reached out to The Quarters and the Shelter House of Iowa City to see impacts of how transforming low income housing into luxury apartments for students impacted sustainability efforts and increased housing inequalities and environmental injustice. She wrote the specific paragraphs in the paper that dealt with those specific facets, as well as the conclusion and designing the actor maps on the document. Jazz's contribution to the group project was to work with other group members to help decipher actors within the group project, those that had the most agency, and those who had the least agency. She helped Kathleen, Zach, and Mike design the initial actor map showing the links of which actors would potentially have the most agency. In addition to this, she reached out to local businesses to see if they have been positively impacted by the project or negatively impacted by the project. Furthermore, She looked at how transportation of The Quarters housing project affected local businesses and if there was an increase or decrease in business sales over the last year and a half since the apartment complex has been built. Zach's contribution to the group project was to assist in picking a local sustainability issue as well as provide ... Get more on HelpWriting.net ...
  • 37. Cooperative and Nonprofit Housing in Winnipeg: Toward a... Introduction In this short essay, the author will review and critique "Cooperative and Nonprofit Housing in Winnipeg: Toward a Re–engagement of the Provision Infrastructure" by Ian Skelton that was published in the Canadian Journal of Urban Research in December of 2000. We will see why public and private charitable low–cost housing initiatives can learn from Winnepeg how to apply private market incentives to solving the problem of low–cost housing nationwide in Canada. Review and Critique The Skelton article reviews the organisation of low–cost housing provisions in Canada, while focusing upon the national cooperative and nonprofit housing programs that developed over approximately two decades from the early 1970s. It discusses the issues of infrastructure for the provision of public housing that was left in place in the aftermath of the programs and then reviews more recent methods of analysis of the organisational forms that public housing has developed into while searching for possible alternative strategies to keep the housing going. This is followed up a study of public housing organisations in Winnipeg that implies that suggests that unlike what has happened in a number of other Canadian cities, an elaborate alternative network did not emerge around public housing issues and public housing policy to explain this. While this did not happen in Winnepeg, this may be because the funding for nonprofit housing was concentrated in a handful of transitory ... Get more on HelpWriting.net ...
  • 38. Differences And Differences Between Amul And Other... Differences Between AMUL And Other Cooperatives Following The "AMUL Model" The NDDB was created so that it could implement AMUL'S Model in other states. Though the main three tier system is common everywhere there are some differences between them and AMUL which might be the reason that the other cooperatives have not been as successful as AMUL (Prasad and Satsangi). In the other cooperatives the Managing Director is an IAS officer unlike in AMUL's case where the Managing Director is chosen from amongst the selected representatives chosen by the members. The negative impact of this is that the IAS officer won't have that level of an attachment that a farmer who was elected would have. Hence this would surely impact the cooperative adversely. In other government cooperatives the government has a share in it. Therefore there are government representatives also on the board of directors other than the Managing Director. These Director's influence the decisions of the board hugely and in the end it might result in these government directors taking the decisions and one of the prime principles of a cooperative which is ... Show more content on Helpwriting.net ... Seeing the way AMUL and the other cooperatives have grown I can see the reason why Lal Bahadur Shashtri wanted the Amul model to be emulated in other states. Having farmers as policy makers of the cooperate and with some assistance from professionals in running the cooperation was an incredible idea. By providing technology and a support system to the rural producers, the cooperative has really increased the standard of living of the people living in rural areas. As rightly said by Kaur in her research paper, "The dairy cooperatives are among those few institutions in India, which still cherish a strong Cooperative identity, values and purpose. They still boast of idealism & good will of members and ... Get more on HelpWriting.net ...
  • 39. The Disadvantages And Disadvantages Of Smallholders And... 2.1.4 Smallholders and Farmer Cooperatives Coffee farming is crucial as the source of income for smallholders farmer in most of developing countries. Although, the number of private plantation is quite small, they might have the possibility to break the boundary and an access broader market channel. However, small–scale farmers might have several constraints that prevent them from reaching the market. The demand for high quality products and consistent volumes is one of the possible constraints that they might face. Several studies have been drawn the important barrier encountered by developing country producers regarding institutional and infrastructural support (Trienekens, 2011:52). To some extent, smallholders also faced a various disadvantage ... Show more content on Helpwriting.net ... Still, economies of scale in production are different from economies of scale in marketing that are rife in high value export market. The conflict lies in the requirements for marketing in terms of information procurement and dissemination, the role of reputation and branding and the importance of negotiations (Roy and Thorat, 2008:1876). Although Fischer and Qaim (2012) argued that cooperative organizations do not necessarily mean that the farmers can get better access to market, but the farmers' organization can be the important catalyst for innovation adoption and upgrading of production systems through promoting efficient information flows (Fischer and Qaim, ... Get more on HelpWriting.net ...
  • 40. Case Study Of The Marketing Strategy Of Kasaragod Weavers... The success of a business depends not only upon production of the output but also the proper marketing of output. Every management is aimed at safe of the product to earn maximum profit. In the business world, one can find different from organization. Important among them are sole proprietorship, partnership firm, joint stock companies and co–operative societies. The most suitable form which is beneficial to the people of different walks, of life in, many respects is co–operative society like many another form of business enterprises. The co–operative is also an economic organization. They also depend on business efficiency for their success. Co–operative occupies one important place in the place of small industries, agro industries and handicrafts. ... Show more content on Helpwriting.net ... Efficient function is any business is closely related with efficient marketing of products. The marketing manager should evaluate the marketing position in terms of profit. This study is based on the marketing strategy of Kasaragod Weavers Co–operative Society. The sales turnover from 2011– 12 to 2014–15 has been considered for evaluation. The Kasaragod Weavers Co–operative production and sale society Ltd. being a co–operative institution is organized to undertaking production and sales activities on behalf of its members. It should be able to obey co–operative principles. At the same time, being an enterprise, it should be to attain the organizational goals such as profitability, expansion, human resource development etc. the achievement of their objectives help the institution to uplift the economic and social progress of its members and public. The success of Kasaragod Weavers Co–operative society Ltd. depends on how efficiently its operations are carried to attain its objects. In these circumstances, a study of the market performance of the weavers co– operative society Ltd. assumes special ... Get more on HelpWriting.net ...
  • 41. Cooperatives Cooperative A cooperative (also co–operative; often referred to as a co–op) is a business organization owned and operated by a group of individuals for their mutual benefit. Cooperatives are defined by the International Co–operative Alliance's Statement on the Co–operative Identity as autonomous associations of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through jointly owned and democratically controlled enterprises. A cooperative may also be defined as a business owned and controlled equally by the people who use its services or by the people who work there. Cooperative enterprises are the focus of study in the field of cooperative economics. A cooperative is a legal entity ... Show more content on Helpwriting.net ... Marketing cooperatives can serve their members in many ways, including bargaining for better prices, storing and selling members' grain, and processing farm products into more consumer–ready goods. In the United States, agricultural cooperatives handle about 30 percent of farmers' total farm marketing volume (Mather et al.). Supply cooperatives Supply cooperatives (sometimes referred to as purchasing cooperatives) sell farm supplies to their members. Products include production supplies such as seed, fertilizer, petroleum, chemicals, and farm equipment. American farmers purchase about 28 percent of their supply needs through cooperatives (Mather et al.). Service cooperatives Service cooperatives provide various services to their members. For instance, cooperatives may offer services such as pesticide applications, seed cleaning, and artificial insemination. Service cooperatives also include organizations such as the Farm Credit System, a network of borrower–owned lending institutions that provide credit and other financial services to farmers, and rural electric cooperatives, which provide electricity to rural areas. The first formal farmer cooperative to form in the United States occurred in 1810. However, agricultural cooperatives were not really perceived as a viable business organizational structure until after the Civil War (Cobia). Several farm organizations helped to promote ... Get more on HelpWriting.net ...
  • 42. Essay about Jacob A. Riis Jacob Riis' book How the Other Half Lives is a detailed description on the poor and the destitute in the inner realms of New York City. Riis tries to portray the living conditions through the ‘eyes' of his camera. He sneaks up on the people flashes a picture and then tells the rest of the city how the ‘other half' is living. As shocking as the truth was without seeing such poverty and horrible conditions with their own eyes or taking in the experience with all their senses it still seemed like a million miles away or even just a fairy tale. The reality of this book hit the people of New York right between the eyes. Riis was once ascribed the label of lower class society, but worked his way up the ladder of success and entered into ... Show more content on Helpwriting.net ... Although he does possess quite a bit of bigotry that boarders on the line of prejudice when it comes to African Americans he recognizes that they are suffering from racism and he sympathizes with them. With his sympathy comes an attitude of superiority, he looks down on the people in poverty because he was once there and knows with hard work, like he has done, you can "pull yourself up by the bootstraps" and make something better with your life. Riis covers many aspects of the poverty that has stricken the tenement lodgers but when talking about one end of the spectrum (poor) you also need to discuss the other (rich). With out telling people how the other half of the other half lives he's leaving out a crucial part of how people live in New York. By avoiding, that topic he's giving the illusion that all people in New York live in such cramped housing as tenements. When in reality New York was and is presently not composed of strictly tenement housing. There was a ‘rich' part of town where the thought of not having any money was never even contemplated. In addition, where the industrial revolution only touched higher societies on positive outcomes such as economics the industrial revolution only made it harder for the immigrants to get ahead. By this, meaning, that they worked harder, got paid little to nothing, and still had to compensate for the short comings that where being pressed against them because ... Get more on HelpWriting.net ...
  • 43. Differences Between An Additional Assessment And A Special... THE DIFFERENCES BETWEEN AN ADDITIONAL ASSESSMENT AND A SPECIAL ASSESSMENT IN A MICHIGAN CONDOMINIUM ASSOCIATION As many new condominium co–owners are aware, the general operations of a condominium association are funded through annual assessments. MCL 559.169 sets forth the requirements for imposing assessments in a Michigan Condominium as follows: 559.169 Assessment of common expenses; contribution of co–owner. Sec. 69. (1) Except to the extent that the condominium documents provide otherwise, common expenses associated with the maintenance, repair, renovation, restoration, or replacement of a limited common element shall be specially assessed against the condominium unit to which that limited common element was assigned at the time the expenses were incurred. If the limited common element involved was assigned to more than 1 condominium unit, the expenses shall be specially assessed against each of the condominium units equally so that the total of the special assessments equals the total of the expenses, except to the extent that the condominium documents provide otherwise. (2) To the extent that the condominium documents expressly so provide, any other unusual common expenses benefiting less than all of the condominium units, or any expenses incurred as a result of the conduct of less than all those entitled to occupy the condominium project or by their licensees or invitees, shall be specially assessed against the condominium unit or condominium units involved, in ... Get more on HelpWriting.net ...