This document provides an overview of different types of mortgages, beginning with fixed-rate mortgages. It discusses the pros and cons of fixed-rate mortgages, including their predictable payments but higher rates. It then summarizes variable-rate mortgages and how the interest rate can change, affecting monthly payments. The document aims to provide foundational information about mortgages to help with research and obtaining a mortgage.
Mortgage rates beginner's_guide-maria arruaMaria A. Arrua
The document provides an overview of mortgages, including what a mortgage is, different types of mortgages and mortgage rates, how to find the best mortgage rates, what mortgage rate lock-in is, and how changing mortgage rates can affect homeowners. It serves as a beginner's guide to understanding mortgages and making informed decisions when taking out a home loan.
PROBLEMS AND PROSPECTS OF REVERSE MORTGAGE INRamees Ali
This document discusses reverse mortgages in India. Reverse mortgages allow senior citizens over age 60 to receive periodic payments from a lender using their home as collateral while remaining in their home. The study examines the status and future prospects of reverse mortgages in India, identifies risks associated with them, and analyzes their potential welfare benefits for senior citizens. It reviews National Housing Bank regulations and processes, surveys senior citizens' awareness and opinions, and concludes that reverse mortgages provide an unconventional retirement tool but also carry risks like foreclosure that require safeguards.
Take advantage of today’s low rates and refinance or cash out and refinance your home loan to consolidate debt, lower your payments or renovate your home.
Falling into the trap of unmanageable debt is a very common
situation nowadays. It is a proven fact that more than 40% of US
people spends more than what they earn and very obviously most of
them experience the difficulty of paying debt at the right time. Get all
the info you need here
This document provides an overview and analysis of reverse mortgage loans in the United States. It discusses the history and key features of reverse mortgages, including eligibility criteria, loan disbursement options, and how the amount that can be borrowed is determined based on the homeowner's age and interest rates. The document also analyzes the various costs associated with reverse mortgages, such as origination fees, mortgage insurance premiums, interest expense, and servicing fees. It provides examples of how these costs are calculated and can accumulate over the life of the loan.
Mortgage rates beginner's_guide-maria arruaMaria A. Arrua
The document provides an overview of mortgages, including what a mortgage is, different types of mortgages and mortgage rates, how to find the best mortgage rates, what mortgage rate lock-in is, and how changing mortgage rates can affect homeowners. It serves as a beginner's guide to understanding mortgages and making informed decisions when taking out a home loan.
PROBLEMS AND PROSPECTS OF REVERSE MORTGAGE INRamees Ali
This document discusses reverse mortgages in India. Reverse mortgages allow senior citizens over age 60 to receive periodic payments from a lender using their home as collateral while remaining in their home. The study examines the status and future prospects of reverse mortgages in India, identifies risks associated with them, and analyzes their potential welfare benefits for senior citizens. It reviews National Housing Bank regulations and processes, surveys senior citizens' awareness and opinions, and concludes that reverse mortgages provide an unconventional retirement tool but also carry risks like foreclosure that require safeguards.
Take advantage of today’s low rates and refinance or cash out and refinance your home loan to consolidate debt, lower your payments or renovate your home.
Falling into the trap of unmanageable debt is a very common
situation nowadays. It is a proven fact that more than 40% of US
people spends more than what they earn and very obviously most of
them experience the difficulty of paying debt at the right time. Get all
the info you need here
This document provides an overview and analysis of reverse mortgage loans in the United States. It discusses the history and key features of reverse mortgages, including eligibility criteria, loan disbursement options, and how the amount that can be borrowed is determined based on the homeowner's age and interest rates. The document also analyzes the various costs associated with reverse mortgages, such as origination fees, mortgage insurance premiums, interest expense, and servicing fees. It provides examples of how these costs are calculated and can accumulate over the life of the loan.
This document provides information about different types of loans, including secured and unsecured loans, demand loans, subsidized loans, personal loans, credit cards, home equity loans, home equity lines of credit, cash advances, and small business loans. It discusses the key aspects of each type of loan such as interest rates, terms, eligibility requirements, advantages, and disadvantages. The document also contains sections on bank deposits, including time/term deposits and sight deposits. It defines each type of deposit and discusses how interest is paid on deposits and how long funds must be kept in each type.
Financial freedom through reverse mortgageProjects Kart
The document discusses reverse mortgages as a tool for financial freedom for senior citizens in India. It notes that housing wealth makes up a large portion of wealth for many elderly Indians and reverse mortgages allow them to access this equity to meet living expenses without having to sell their home. The document covers the concept and workings of reverse mortgages, including eligibility requirements, valuation, risks for lenders and borrowers, and the potential market size in India based on demographics and home ownership rates. It also discusses the objectives and methodology of a research study analyzing awareness and demand for reverse mortgages among Indian seniors.
This document discusses strategies for debt consolidation. It begins by defining different types of debts, including loans and revolving credit. It then defines debt consolidation as refinancing multiple loans into one loan with potentially lower interest rates. The document provides two main types of debt consolidation: home equity loans, which use home equity to pay off other loans, and negotiated debt settlement, where a third party negotiates with creditors to lower monthly payments. It emphasizes making a budget, selling unneeded assets, paying more than minimums on debts, and restructuring mortgage payments as effective debt consolidation strategies.
A personal loan is an unsecured loan that does not require collateral. It has fast approval processes due to less documentation requirements. Personal loans have lower interest rates than credit cards or overdrafts in India. Borrowers can use personal loans for any purpose and repay them through easy equated monthly installments over loan terms that typically range from one to five years. However, personal loans require good credit scores for approval and defaulting can negatively impact credit ratings and incur penalties.
The document provides information about personal loans, including:
- Personal loans are either secured (backed by collateral like a home) or unsecured. Secured loans typically have lower interest rates and more favorable terms.
- They can be used for a variety of purposes and are offered by banks, credit unions, and other financial institutions. Loan amounts typically range from $1,000 to $100,000 with repayment periods of 1-5 years.
- While convenient for meeting short-term needs, personal loans require repayment and interest charges, so borrowers must use them judiciously to avoid getting into deeper financial trouble. Proper planning and only borrowing what is needed can help personal loans be used safely and effectively
The document discusses the benefits of a reverse mortgage line of credit (HECM LOC) for a 62-year-old couple with a $625,500 home and no mortgage. The initial LOC of $266,963 would grow to $509,469 in 10 years and $972,262 in 20 years without any withdrawals. Research from retirement experts argues that a HECM LOC provides flexible access to home equity that can grow over time, acts as insurance if home values decrease, and allows for improved retirement outcomes compared to alternatives like HELOCs. The HECM LOC offers advantages like no monthly payments, an indefinite loan term, and funds that are not reduced or revoked by the lender as long as obligations are
The document is a presentation about reverse mortgages developed by the National Reverse Mortgage Lenders Association for educational purposes. It discusses what a reverse mortgage is, how it works, recent changes that make it safer and more affordable, and how people are using reverse mortgages to supplement retirement income, pay off debts, defer social security, and afford longer retirements. The presentation aims to help homeowners determine if a reverse mortgage could fit into their retirement plans.
1. The document provides information about reverse mortgage loans for homeowners aged 62 and older. It explains that a reverse mortgage allows homeowners to convert home equity into tax-free funds without monthly payments as long as they live in the home.
2. The proceeds can be used for any purpose and are disbursed as lump sums, monthly payments, or a line of credit. The maximum loan amount depends on the home value, interest rate, and borrowers' age.
3. Borrowers retain ownership and there are no repayment requirements as long as terms are met, such as paying taxes and insurance. When the last borrower dies or moves out permanently, the loan balance must be repaid.
The document provides an overview of the mortgage industry. It discusses what a mortgage is, the factors and people involved in the mortgage process such as credit reports, mortgage brokers, lenders, and down payments. It also outlines different types of mortgages including adjustable-rate, fixed-rate, and reverse mortgages. Refinancing options are explained as ways for homeowners to potentially lower their interest rates or monthly payments. Eligibility and loan limits for reverse mortgages are also summarized. The document aims to explain the key concepts and participants in the US mortgage market.
You May Be Paying Too Much for Your MortgageDawn Hicks
This document discusses how mortgage rates and terms can vary greatly between lenders and that some borrowers may qualify for better terms now that could save them thousands. It provides an example showing that on a $200,000, 30-year fixed rate mortgage, the monthly payment for a borrower with a 700 credit score and 6.2% rate would be $1,227, while a borrower with a 620 credit score and 9.4% rate would pay $1,671 per month, a difference of $444 per month or $5,328 per year. It advises readers to check their credit history and score, ask if their mortgage rate is over 7%, and consider refinancing or modifying their loan
How To Get Student Loan, How To Get Student Loans At Low Interest, How To Get Student Loans From Banks, How To Get Student Loans In Canada, How To Get Private Student Loans, How To Get Student Loans For Graduate School
1. A reverse mortgage is a loan against a homeowner's equity in their home that does not need to be repaid until the homeowner dies, permanently moves out, or sells the home. It allows homeowners to convert the equity in their home into tax-free cash or a line of credit without having to make monthly payments.
2. The document discusses the history and origin of reverse mortgages dating back to 1961, the benefits for homeowners including tax-free funds and no repayment requirement, guidelines from RBI, costs involved, and risks for lenders including mortality, interest rate, and moral hazard risks.
3. Risks to lenders are mitigated through eligibility criteria, variable interest rates,
SoFi Medical Borrower Refinancing GuideJeff Carroll
This document provides information about student loan refinancing for medical professionals. It discusses how refinancing can help borrowers save money on total interest costs and lower monthly payments by getting a lower interest rate. Refinancing allows switching between fixed and variable rates or consolidating multiple loans into a single monthly payment. While refinancing federal loans means losing benefits like deferment, forbearance and forgiveness programs, it can save thousands in interest for those who don't need those benefits. A one point interest rate reduction on $100,000 in loans at a 10-year term could save $6,000 in interest costs.
Home loans can only be used to purchase a home, have stricter eligibility criteria, but generally have lower interest rates than personal loans. Personal loans have more flexible use of funds, easier eligibility, but come with higher flat interest rates. Both loan types differ in available financing amounts, interest rate structures, and sources of funding through banks or licensed money lenders.
The document discusses the benefits of a reverse mortgage for seniors aged 62 and older. A reverse mortgage allows homeowners to convert equity in their home into tax-free cash without having to make monthly payments. Borrowers can use the funds for supplemental income, paying off debts, home repairs, or leaving an inheritance. The loan does not become due until the borrower dies or moves out permanently, and the FHA insures that no debt passes to heirs.
1. Specialty mortgages offer lower initial monthly payments but come with greater risks than traditional fixed-rate or adjustable-rate mortgages.
2. The payments on specialty mortgages may increase substantially, by as much as 50%, once an introductory period ends which could lead to "payment shock" if income does not increase enough.
3. Some specialty mortgages like interest-only or negative amortization loans may cause the total amount owed to increase over time rather than decrease.
The document discusses home loans and their benefits. It begins by explaining that owning a home is a lifelong dream for many and requires taking out a home loan, which are long-term loans offered by banks and financial institutions. It then discusses the various types of home loans available, including loans for home purchase, construction, and improvement. Key benefits of home loans include affordable monthly installments to pay for the home over time and tax benefits under section 24(b) and 80C of the Income Tax Act. Borrowers can claim a tax deduction of up to Rs. 150,000 for interest paid and Rs. 100,000 for principal repaid each year.
Este documento describe un proyecto del Ministerio de Educación Nacional de Colombia para incorporar nuevas tecnologías al currículo de matemáticas de la educación básica secundaria y media. El proyecto fue coordinado por Ana Celia Castiblanco Paiba y Luis Moreno Armella, con la participación de varias universidades colombianas. El objetivo era mejorar la enseñanza y el aprendizaje de las matemáticas mediante el uso de tecnologías computacionales.
This document provides a summary of a presentation on cognitive psychology and its applications to web development. The presentation covers several key areas:
- Cognitive psychology and how it studies internal mental processes like memory, problem solving, and language processing.
- Several cognitive psychology concepts are discussed that are relevant to web design, including schemas, affordances, cognitive dissonance, flow, reinforcement, attention, and collective intelligence.
- Examples of how to apply these concepts are given, such as designing for gradual change to match users' schemas, using common conventions to leverage affordances, and managing attention by allowing users to "mute" updates.
- An iterative development process is recommended to continually adapt designs based on user feedback
Este documento presenta un resumen de la Revista Virtual Odontología Ejercicio Profesional de julio de 2012. En 3 oraciones:
1) La revista incluye artículos sobre marketing dental personalizado, cursos de odontomarketing, y reconocimiento a Colgate Palmolive como patrocinador. 2) También presenta noticias sobre la clausura de un curso de odontomarketing y una nueva convocatoria, así como editoriales sobre mejorar el posicionamiento del consultorio dental. 3) Por último, incluye secciones de humor,
This document provides information about different types of loans, including secured and unsecured loans, demand loans, subsidized loans, personal loans, credit cards, home equity loans, home equity lines of credit, cash advances, and small business loans. It discusses the key aspects of each type of loan such as interest rates, terms, eligibility requirements, advantages, and disadvantages. The document also contains sections on bank deposits, including time/term deposits and sight deposits. It defines each type of deposit and discusses how interest is paid on deposits and how long funds must be kept in each type.
Financial freedom through reverse mortgageProjects Kart
The document discusses reverse mortgages as a tool for financial freedom for senior citizens in India. It notes that housing wealth makes up a large portion of wealth for many elderly Indians and reverse mortgages allow them to access this equity to meet living expenses without having to sell their home. The document covers the concept and workings of reverse mortgages, including eligibility requirements, valuation, risks for lenders and borrowers, and the potential market size in India based on demographics and home ownership rates. It also discusses the objectives and methodology of a research study analyzing awareness and demand for reverse mortgages among Indian seniors.
This document discusses strategies for debt consolidation. It begins by defining different types of debts, including loans and revolving credit. It then defines debt consolidation as refinancing multiple loans into one loan with potentially lower interest rates. The document provides two main types of debt consolidation: home equity loans, which use home equity to pay off other loans, and negotiated debt settlement, where a third party negotiates with creditors to lower monthly payments. It emphasizes making a budget, selling unneeded assets, paying more than minimums on debts, and restructuring mortgage payments as effective debt consolidation strategies.
A personal loan is an unsecured loan that does not require collateral. It has fast approval processes due to less documentation requirements. Personal loans have lower interest rates than credit cards or overdrafts in India. Borrowers can use personal loans for any purpose and repay them through easy equated monthly installments over loan terms that typically range from one to five years. However, personal loans require good credit scores for approval and defaulting can negatively impact credit ratings and incur penalties.
The document provides information about personal loans, including:
- Personal loans are either secured (backed by collateral like a home) or unsecured. Secured loans typically have lower interest rates and more favorable terms.
- They can be used for a variety of purposes and are offered by banks, credit unions, and other financial institutions. Loan amounts typically range from $1,000 to $100,000 with repayment periods of 1-5 years.
- While convenient for meeting short-term needs, personal loans require repayment and interest charges, so borrowers must use them judiciously to avoid getting into deeper financial trouble. Proper planning and only borrowing what is needed can help personal loans be used safely and effectively
The document discusses the benefits of a reverse mortgage line of credit (HECM LOC) for a 62-year-old couple with a $625,500 home and no mortgage. The initial LOC of $266,963 would grow to $509,469 in 10 years and $972,262 in 20 years without any withdrawals. Research from retirement experts argues that a HECM LOC provides flexible access to home equity that can grow over time, acts as insurance if home values decrease, and allows for improved retirement outcomes compared to alternatives like HELOCs. The HECM LOC offers advantages like no monthly payments, an indefinite loan term, and funds that are not reduced or revoked by the lender as long as obligations are
The document is a presentation about reverse mortgages developed by the National Reverse Mortgage Lenders Association for educational purposes. It discusses what a reverse mortgage is, how it works, recent changes that make it safer and more affordable, and how people are using reverse mortgages to supplement retirement income, pay off debts, defer social security, and afford longer retirements. The presentation aims to help homeowners determine if a reverse mortgage could fit into their retirement plans.
1. The document provides information about reverse mortgage loans for homeowners aged 62 and older. It explains that a reverse mortgage allows homeowners to convert home equity into tax-free funds without monthly payments as long as they live in the home.
2. The proceeds can be used for any purpose and are disbursed as lump sums, monthly payments, or a line of credit. The maximum loan amount depends on the home value, interest rate, and borrowers' age.
3. Borrowers retain ownership and there are no repayment requirements as long as terms are met, such as paying taxes and insurance. When the last borrower dies or moves out permanently, the loan balance must be repaid.
The document provides an overview of the mortgage industry. It discusses what a mortgage is, the factors and people involved in the mortgage process such as credit reports, mortgage brokers, lenders, and down payments. It also outlines different types of mortgages including adjustable-rate, fixed-rate, and reverse mortgages. Refinancing options are explained as ways for homeowners to potentially lower their interest rates or monthly payments. Eligibility and loan limits for reverse mortgages are also summarized. The document aims to explain the key concepts and participants in the US mortgage market.
You May Be Paying Too Much for Your MortgageDawn Hicks
This document discusses how mortgage rates and terms can vary greatly between lenders and that some borrowers may qualify for better terms now that could save them thousands. It provides an example showing that on a $200,000, 30-year fixed rate mortgage, the monthly payment for a borrower with a 700 credit score and 6.2% rate would be $1,227, while a borrower with a 620 credit score and 9.4% rate would pay $1,671 per month, a difference of $444 per month or $5,328 per year. It advises readers to check their credit history and score, ask if their mortgage rate is over 7%, and consider refinancing or modifying their loan
How To Get Student Loan, How To Get Student Loans At Low Interest, How To Get Student Loans From Banks, How To Get Student Loans In Canada, How To Get Private Student Loans, How To Get Student Loans For Graduate School
1. A reverse mortgage is a loan against a homeowner's equity in their home that does not need to be repaid until the homeowner dies, permanently moves out, or sells the home. It allows homeowners to convert the equity in their home into tax-free cash or a line of credit without having to make monthly payments.
2. The document discusses the history and origin of reverse mortgages dating back to 1961, the benefits for homeowners including tax-free funds and no repayment requirement, guidelines from RBI, costs involved, and risks for lenders including mortality, interest rate, and moral hazard risks.
3. Risks to lenders are mitigated through eligibility criteria, variable interest rates,
SoFi Medical Borrower Refinancing GuideJeff Carroll
This document provides information about student loan refinancing for medical professionals. It discusses how refinancing can help borrowers save money on total interest costs and lower monthly payments by getting a lower interest rate. Refinancing allows switching between fixed and variable rates or consolidating multiple loans into a single monthly payment. While refinancing federal loans means losing benefits like deferment, forbearance and forgiveness programs, it can save thousands in interest for those who don't need those benefits. A one point interest rate reduction on $100,000 in loans at a 10-year term could save $6,000 in interest costs.
Home loans can only be used to purchase a home, have stricter eligibility criteria, but generally have lower interest rates than personal loans. Personal loans have more flexible use of funds, easier eligibility, but come with higher flat interest rates. Both loan types differ in available financing amounts, interest rate structures, and sources of funding through banks or licensed money lenders.
The document discusses the benefits of a reverse mortgage for seniors aged 62 and older. A reverse mortgage allows homeowners to convert equity in their home into tax-free cash without having to make monthly payments. Borrowers can use the funds for supplemental income, paying off debts, home repairs, or leaving an inheritance. The loan does not become due until the borrower dies or moves out permanently, and the FHA insures that no debt passes to heirs.
1. Specialty mortgages offer lower initial monthly payments but come with greater risks than traditional fixed-rate or adjustable-rate mortgages.
2. The payments on specialty mortgages may increase substantially, by as much as 50%, once an introductory period ends which could lead to "payment shock" if income does not increase enough.
3. Some specialty mortgages like interest-only or negative amortization loans may cause the total amount owed to increase over time rather than decrease.
The document discusses home loans and their benefits. It begins by explaining that owning a home is a lifelong dream for many and requires taking out a home loan, which are long-term loans offered by banks and financial institutions. It then discusses the various types of home loans available, including loans for home purchase, construction, and improvement. Key benefits of home loans include affordable monthly installments to pay for the home over time and tax benefits under section 24(b) and 80C of the Income Tax Act. Borrowers can claim a tax deduction of up to Rs. 150,000 for interest paid and Rs. 100,000 for principal repaid each year.
Este documento describe un proyecto del Ministerio de Educación Nacional de Colombia para incorporar nuevas tecnologías al currículo de matemáticas de la educación básica secundaria y media. El proyecto fue coordinado por Ana Celia Castiblanco Paiba y Luis Moreno Armella, con la participación de varias universidades colombianas. El objetivo era mejorar la enseñanza y el aprendizaje de las matemáticas mediante el uso de tecnologías computacionales.
This document provides a summary of a presentation on cognitive psychology and its applications to web development. The presentation covers several key areas:
- Cognitive psychology and how it studies internal mental processes like memory, problem solving, and language processing.
- Several cognitive psychology concepts are discussed that are relevant to web design, including schemas, affordances, cognitive dissonance, flow, reinforcement, attention, and collective intelligence.
- Examples of how to apply these concepts are given, such as designing for gradual change to match users' schemas, using common conventions to leverage affordances, and managing attention by allowing users to "mute" updates.
- An iterative development process is recommended to continually adapt designs based on user feedback
Este documento presenta un resumen de la Revista Virtual Odontología Ejercicio Profesional de julio de 2012. En 3 oraciones:
1) La revista incluye artículos sobre marketing dental personalizado, cursos de odontomarketing, y reconocimiento a Colgate Palmolive como patrocinador. 2) También presenta noticias sobre la clausura de un curso de odontomarketing y una nueva convocatoria, así como editoriales sobre mejorar el posicionamiento del consultorio dental. 3) Por último, incluye secciones de humor,
Este informe quimestral presenta los resultados académicos de los estudiantes de 3er año de informática en 5 asignaturas. Identifica a los estudiantes que no alcanzaron completamente los objetivos de aprendizaje y propone planes de mejora, como cumplir con las tareas a tiempo y prepararse mejor para los exámenes.
Memorial Descritivo AU 118 - ComplexidadesTifani Kuga
O documento descreve a situação atual de uma quadra no bairro da Barra Funda em São Paulo, Brasil. Ele fornece informações sobre o contexto histórico do bairro, dados demográficos, uso do solo, infraestrutura, potencialidades e fragilidades da quadra. O objetivo do projeto é propor uma reurbanização da quadra que inclua habitação social, estudantil e comércio de forma integrada ao contexto urbano da região.
El documento discute la historia y alcance de la piratería en línea. Aborda la piratería de música, películas, libros, juegos y software, y cómo la tecnología como el formato MP3 y las redes P2P han facilitado la distribución ilegal de contenido digital. También analiza las causas de la piratería, incluidos factores como el precio y la accesibilidad de los bienes legales.
Conceptos y protocolos de enrutamiento: 2.1 Enrutamiento estáticoFrancesc Perez
El documento describe la configuración de una red utilizando enrutamiento estático en Packet Tracer. Se implementa la topología de red dada, se configuran las interfaces de capa 1 y 2 de los routers, se asignan direcciones IP usando VLSM, y se configura el enrutamiento estático para proporcionar conectividad entre las tres LANs y los tres enlaces WAN, con rutas principales y de respaldo. Finalmente, se verifica la configuración utilizando el comando tracert.
Las normas son reglas que deben ser respetadas y que permiten regular ciertas conductas o actividades. Las normas establecen pautas de ordenamiento social para organizar el comportamiento de una comunidad de modo que no se entorpezca el bien común. Al elaborar un manual de procedimientos, se incluyen políticas o normas de operación que definan claramente las reglas a seguir y los criterios de acción para facilitar la responsabilidad de quienes participan en los procedimientos.
O documento discute os diferentes significados da palavra "cultura" e como ela é usada no senso comum versus como conceito antropológico. No senso comum, cultura é usada para classificar e julgar pessoas, mas antropologicamente se refere às normas e códigos compartilhados que permitem a vida social de um grupo. Todas as formas culturais de uma sociedade são equivalentes e complementares, não devendo ser classificadas hierarquicamente.
Este documento discute los desafíos de marketing creados por la intangibilidad de los servicios y cómo las empresas han respondido. Explica que debido a que los servicios no pueden tocarse, las empresas usan evidencia física como camas cómodas para ayudar a los clientes a evaluar la calidad. Westin Hotels introdujo la "Cama Celestial" para diferenciarse, lo que llevó a otros hoteles a mejorar sus camas para competir.
Diferencias y semejanzas inv. cualitativa y cuantitativagabyfreirefranco
La investigación cualitativa se enfoca en recopilar y analizar datos narrativos mediante técnicas como observaciones y entrevistas no estructuradas, a diferencia de la investigación cuantitativa que estudia variables cuantificadas. Mientras que la investigación cuantitativa examina las asociaciones entre variables, la cualitativa analiza los contextos estructurales y situacionales. Ambos enfoques comparten pasos como definir una pregunta de investigación, revisar literatura, desarrollar instrumentos para recopilar datos válidos y comunicar los resultados.
Consejos comunales como alternativa de desarrollo comunitarioJosé Fleitas
The present work aims to identify potential emerging that are manifesting in the space of Venezuela as a result of national, regional and local Implemented in the country following the creation of communal councils. It begins with a theoretical and conceptual framework and the legal framework established in the Constitution of the Bolivarian Republic of Venezuela (Constitution), the Law of Communal Councils (LCC) in 2006 and the Organic Law of Communal Councils (LOCC) 2009, where it is assumed, first, globalization and economic development dimensions (LED) as processes acting on the environment, creating a new form of organization: political, social, technological and what economic, and secondly, the legal basis based on the Constitution. Decentralization and globalization trends, and the displacement of the welfare state, the criteria for participation and the role of civil society, the concept of responsibility, the paradigm of the "New Public Management (NPM) and the design of public policies concerted, give way to new approaches to local development, which is based the value of the land, the local. According to these theoretical foundations, taking into account national and international experiences discussed the development micro-local (community) of Venezuela: local strategies can be implemented at any location based on the community councils in the light of what our Constitution states. Identify emerging trends that could be generated under the guise of an agent to promote the achievement of public policy and concerted manner affecting the structure of the state, from the municipality as the primary political unit of the national organization and the partner organization country's territorial aimed at strengthening the development of a community from the community councils.
Keywords: Community Councils, local development, community micro-local, endogenous development.
Main Topic: Management Social and Community Development Network
Este documento describe los mapas conceptuales, sus componentes y cómo se pueden utilizar para facilitar el aprendizaje significativo. Explica que los mapas conceptuales son herramientas visuales que organizan jerárquicamente los conceptos y sus relaciones para integrar nuevos conocimientos a la red conceptual previa del estudiante. También menciona algunas estrategias, como rompecabezas conceptuales y análisis de textos, para involucrar a los estudiantes en la elaboración de sus propios mapas conceptuales.
El documento describe el ciclo PHVA (Planificar, Hacer, Verificar, Actuar), una herramienta de mejora continua propuesta por Deming. Consiste en cuatro pasos: planificar objetivos y procesos, implementarlos, verificar si se cumplieron los objetivos, y actuar para corregir desviaciones o mejorar continuamente. El ciclo permite mejorar la calidad, reducir costos y aumentar la competitividad de las empresas.
Presentation1 fraude cibernetico agosto 2015 Dr. Jose Collazo Gonzalez P.h.D ...Dr. Jose Collazo Gonzalez
El documento resume la historia del fraude desde la época romana hasta la actualidad, explica conceptos clave como fraude cibernético y sus formas, e identifica las partes principales de una computadora como el microprocesador, la placa madre, la memoria RAM y el disco duro. También describe conceptos básicos de evidencia digital y los requisitos para que sea admisible en corte.
El documento describe los estudios de mercado, incluyendo su objetivo de recopilar, analizar e interpretar información sobre el mercado objetivo. Explica los motivos para realizar estudios de mercado y los tipos de estudios. También define conceptos clave como mercado, tamaño de mercado, estructura de mercado y mercado meta. Finalmente, discute las fuentes de información para los estudios de mercado.
El documento presenta los pasos para una negociación exitosa. Explica que la preparación es fundamental, incluyendo el planteamiento, análisis, objetivos, estrategias, evaluación y metodología. Luego, detalla cada paso y provee un ejemplo de cómo aplicarlos para la negociación con una empresa llamada "Christmas Three" para obtener un contrato de distribución exclusivo en México.
El documento describe el enrutamiento basado en directivas (PBR) en redes de computadoras. PBR permite enrutar el tráfico basado en criterios como la dirección IP, puerto y protocolo en lugar de solo la dirección de destino. Se utilizan listas de acceso extendidas, grupos de coincidencias y grupos de acciones para crear directivas PBR que determinan la ruta de los paquetes. El documento también incluye ejemplos de configuración de PBR y listas de acceso en routers para controlar el acceso a diferentes subredes
La ley establece el marco legal para los archivos en Colombia. Define conceptos clave como archivo, documento y función archivística. Establece el Sistema Nacional de Archivos bajo principios de coordinación y cooperación, liderado por el Archivo General de la Nación. Categoriza los archivos públicos a nivel nacional, departamental y municipal.
Este documento presenta información sobre el crecimiento económico y sus determinantes en México. Define la economía como la ciencia que estudia la producción, intercambio, distribución y consumo de bienes y servicios. Explica que la economía es importante para la sociedad porque nuestro vivir actual se basa en el constante intercambio de bienes y servicios. Además, provee definiciones de economía desde perspectivas objetiva y subjetiva.
This document provides information on different types of mortgages. It explains that a mortgage is a loan used to finance the purchase of a property, with the property serving as security. There are two main types of mortgages: line of credit loans and term loans. Term loans have fixed interest rates that remain the same for a set period, providing payment stability but less flexibility. Variable rate loans fluctuate with the market but offer more flexibility to make payments. The document advises speaking with a lending specialist to determine the best option based on individual repayment goals and property ownership timeframe.
This document provides an introduction and overview of home loans in India. It discusses that owning a home is a lifelong dream for many Indians and home loans are an integral part of the process. It then discusses the different types of loans provided by banks, including commercial loans, consumer loans, and mortgage loans which are typically used to purchase a home. The document also provides an introduction to home loans, noting that various banks are helping people purchase their dream homes through home loan products.
The document discusses home loans and their benefits. It begins by explaining that owning a home is a lifelong dream for many and requires taking out a home loan, which are long-term loans offered by banks and financial institutions. It then discusses the various types of home loans available, including loans for home purchase, construction, and improvement. Key benefits of home loans include affordable monthly installments to pay for the home over time and tax benefits under Indian law for interest and principal repayment. Borrowers can deduct up to Rs. 150,000 annually for interest repayment and Rs. 100,000 for principal repayment from their taxable income.
Availing a home loan is one of the most important financial decisions of any individual’s life. So being sure about all the aspects of it is very necessary before going for a home loan. Being informed and aware of all the important aspects not only gets you the best deal available but also saves from the shocks and surprises later on as well.
For Home Loan: https://financebuddha.com/home-loan
This document discusses various factors to consider when taking out a home loan or refinancing an existing loan. It notes that while most people want to pay off their home loan quickly, there are times when extra funds are needed for other purposes like renovations or investments. The document examines the costs and benefits of loans that charge ongoing fees versus those without fees. It also outlines other fees to be aware of like establishment fees, termination fees, and penalties for breaking fixed rates. Finally, it recommends obtaining a flexible loan with features like redraw facilities, offset accounts, and multiple repayment options to meet changing needs over time.
Home loan-overview,-advice,-myths-&-factsagil ahemedabad
Choosing an appropriate property is crucial, but so is securing the ideal mortgage. In today's world, purchasing a home without taking out a loan is nearly difficult. Obtaining a home loan is not difficult, but becoming familiar with loans and understanding the entire process can be difficult.
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A mortgage loan is a loan secured by real property through the use of a mortgage note which evidences the existence of the loan and the encumbrance of that realty through the granting of a mortgage which secures the loan. However, the word mortgage alone, in everyday usage, is most often used to mean mortgage loan.
The document provides information about the home buying process for first-time homebuyers. It discusses determining how much home you can afford, the importance of credit, mortgage options including government and conventional loans, closing costs, and the steps involved in the mortgage application and approval process. The overall goal is to educate homebuyers so they can choose the right mortgage program and home to fit their needs and budget.
Banking finance deals with providing credit through mortgages, loans, and financing. It involves underwriting loans and mortgages according to regulations to ensure credibility and fair treatment of customers. Interest rates depend on factors like the housing market, loan term, and borrower circumstances. Banks may reduce rates in a depressed market to help customers maintain payments.
The document provides information about the home buying process for first-time homebuyers. It discusses determining an affordable mortgage amount, the importance of good credit, different types of loans including government and conventional loans, and what to expect during the application and closing process. The overall goal is to educate homebuyers on choosing the right mortgage program and walking through the steps to purchase a home.
Mortgage rates a beginner's guide - dec 6steven milner
This document provides an overview of mortgages and mortgage rates for beginners. It discusses what a mortgage is, different types of mortgages and mortgage rates. It also covers how to find the best mortgage rates, the process of locking in rates, and how changing rates can affect homeowners. The key topics covered are types of fixed and adjustable rate mortgages, factors that influence mortgage rates like credit scores, and the importance of shopping around and locking in rates when getting a mortgage.
Mortgage is a modern day instrument of asset acquisition. Aside from being part of regular planned expenditures, mortgages have become tools in acquiring properties such as houses, condominiums, and other real-estate properties. In some cases, mortgages can even be used to secure loans.
The guide provides information on:
Obtaining finance
Loan types
Application and settlement process
First home owners grant
Property buyers guide
Top tips for paying off your loan quicker
Home loan FAQs
Glossary
Buying a home can be one of the most exciting and daunting times in your life, and whether you’re deciding to buy with your partner, or by yourself, Homeloans will be there to help you every step of the way.
The document discusses depreciation rates for three cars: a 2010 Fonda Concord EX depreciating at 6% per year, a 2010 Padillac Escalate depreciating at 22.5% per year, and a 1967 Fyord Rustang appreciating at 10% per year. It tasks the reader with generating representations of the value of each car over time and determining which car Jeralyn should buy based on value retention from 2010 to 2012.
This document contains sample problems and solutions from a high school algebra 1 textbook chapter on statistics. It includes questions about analyzing scatterplots and linear models, finding patterns in sequences, solving systems of equations, factoring quadratic expressions, and other statistical and algebraic concepts. The problems range from 6-4 to 6-104 and cover topics such as linear and geometric sequences, linear and quadratic functions, factoring, systems of equations, and analyzing scatterplots and linear models.
This document contains examples and exercises related to sequences from Chapter 5 of a Core Connections Algebra 1 textbook. It includes:
- Examples of sequences defined by explicit formulas with specified terms calculated
- Graphs of sequences
- Identifying patterns in sequences as arithmetic, geometric, or other
- Applying sequence formulas to word problems
- Determining domains and ranges of sequences
This document contains math problems and solutions from a high school algebra 1 textbook. It covers topics like systems of equations, functions, exponents, distributions, graphs, and word problems. The problems are presented along with the step-by-step work or solutions. Key concepts covered include solving linear equations, evaluating expressions, identifying functions, graphing lines, and applying algebraic rules and properties.
The document provides answers and solutions to problems from a chapter on linear functions in an algebra 1 textbook. It includes worked out solutions showing calculations and graphs for problems involving finding rates of change, calculating slopes and y-intercepts of lines, determining equations from graphs or tables of values, and applying linear functions to real-world word problems.
The document provides homework corrections and answers for various algebra problems from Chapter 1 on functions from Orcutt Academy High School's algebra 1 course, including corrections to homework problems, lab answers, and additional practice problems with worked out solutions shown.
This document provides an overview of an assignment for a high school accounting and finance class to create an investment plan project. Students will create a Google Slides presentation on their investment plan consisting of 13 slides covering topics like investment personality, retirement needs, asset allocation, stock and bond selections, index/mutual fund choice, and a conclusion. The project aims to teach students to analyze their financial goals and risk tolerance to develop a personalized, diversified portfolio. Students will present their plan to parents/guardians and submit an evaluation form for grading.
This document discusses the accounting cycle and key accounting documents and processes. It covers source documents like invoices and receipts, accounting journals that record transactions chronologically, T-accounts that make up the general ledger, balancing T-accounts, the trial balance process, and the four main financial statements: the income statement, statement of owner's equity, balance sheet, and statement of cash flows.
Here are the journal entries for Bell's Computers transactions:
1. Capital $60,000
Bank $60,000
2. Equipment $7,000
Bank $7,000
3. Drawings $200
Bank $200
4. Bank $14,000
Income $14,000
5. Debtors $30,000
Income $30,000
6. Bank $4,000
Rent Expense $4,000
7. Bank $1,500
Supplies Expense $1,500
This document discusses various factors to consider when deciding whether to rent or buy a home. It covers the advantages and costs of renting, as well as assessing readiness to buy a home and determining how much money can be borrowed for a mortgage. Key factors discussed include existing debt, income, interest rates, down payments, closing costs, and more. The document provides examples to calculate maximum borrowing amounts and estimates of various homeownership costs.
This document discusses various factors to consider when deciding between renting and owning a home. It covers the costs and advantages of both options over the long run. When considering buying a home, homeowners must determine how much they can afford to borrow from lenders. This depends on their income, existing debt, and interest rates. Buyers also need to save for a down payment, closing costs, and ongoing housing expenses like property taxes, insurance, and maintenance. Fixed-rate and adjustable-rate mortgages each have pros and cons to evaluate. Understanding total monthly costs is essential for determining readiness to purchase a home.
Calculating Simple and Compound InterestJenny Hubbard
This document provides information about simple and compound interest. It defines simple interest as interest paid only on the principal amount without considering accumulated interest over time. The simple interest formula is shown as Interest = Principal x Rate x Time. Compound interest is interest calculated on the initial principal and also on previously accumulated interest over multiple compounding periods. The compound interest formula is shown, which calculates the ending amount based on the principal, interest rate, time in years, and number of compounding periods per year. An example of using the compound interest formula to calculate the ending amount of $500 invested at 8% compounded quarterly over 2 years is provided.
This document provides information about connecting personality types to career clusters. It discusses John Holland's theory that people are happier in careers that match their personality types. The document then defines six main personality types (Doer, Thinker, Creator, Helper, Persuader, Organizer) and provides descriptions and examples of careers that may match each type. Later sections guide students through identifying their own personality traits, interests, skills and choosing a career to research based on their identified personality type. It also provides instructions for creating graphs to display career data from websites like Salary.com.
This document provides information about connecting personality types to career clusters. It discusses John Holland's theory that people are happier in careers that match their personality. The six main personality types are described as Doer, Thinker, Creator, Helper, Persuader, and Organizer. Examples of careers that correspond to each personality type are listed. The document then guides the reader through an exercise to identify their own personality type and provides tips for researching careers that match their unique personality.
This document provides an overview of accounting concepts including financing, investing, the accounting equation, debits and credits, T-accounts, and different types of accounts. It discusses how financing occurs on the right side of the accounting equation and represents sources of money, while investing occurs on the left side and represents the use of money. The key accounting equation assets = liabilities + owner's equity is also explained. Common account types are defined including assets, liabilities, owner's equity, revenues/gains, and expenses/losses. The document also demonstrates how transactions are recorded using debits and credits in T-accounts and journals.
The document discusses key accounting concepts like assets, liabilities, equity, income, and expenses. It provides examples of how business transactions affect accounts - such as taking out a loan which increases assets and liabilities, or an owner withdrawing cash which decreases assets and equity. It also defines important terms like profit as income exceeding expenses, and explains the differences between income/expenses and cash received/paid.
The document discusses the accounting equation of Assets = Liabilities + Equity and key concepts related to the equation. It explains that the accounting equation must remain balanced at all times due to double-entry bookkeeping, where every transaction affects a minimum of two accounts. Assets are defined as resources controlled by a business that are expected to provide future economic benefits. Liabilities represent obligations that will require future outflows from the business. Equity belongs to the owners and represents their claim on any remaining assets after liabilities are deducted.
The document discusses key concepts in accounting including the accounting equation of Assets = Liabilities + Equity, double-entry bookkeeping, and how various transactions affect the accounting equation. It provides examples of how an owner's investment, borrowing money, purchases, and expenses impact asset, liability, and equity accounts to maintain the balance of the accounting equation.
The document discusses key accounting concepts including the accounting equation, assets, liabilities, and owner's equity. It explains that the accounting equation - assets = liabilities + owner's equity - must always balance due to the double-entry bookkeeping method where every transaction affects a minimum of two accounts. Examples are provided to illustrate how various business transactions impact the components of the accounting equation by increasing or decreasing accounts.
This document discusses source documents and accounting journals. It defines source documents as the original records of transactions, such as invoices and receipts. It describes the purpose and contents of accounting journals, which record debit and credit entries in chronological order. Journals include explanations of transactions and cross-references to source documents for verification. The different types of specialized journals are outlined.
How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.