This presentation, made in late 2009, highlights the various industry "pull factors" that existed in metro Atlanta counties given Census and retail sales data. The presentation was made before the Atlanta Regional Commission in downtown Atlanta.
Jebakan hukum swakelola rehabilitasi sekolahzaenal mukodir
sistem swakelola dalam mengelola bantuan pemerintah terkadang menjadi masalah bagi lembaga penerima, bagimana agar tidak menjadi masalah dan terkena masalah? temukan jawabannya disini...
A Place for Us Presentation (June 22, 2007)Andy Carswell
This slide show describes some of the challenges facing Athens, GA and some of the surrounding areas in terms of housing. It was presented in mid-2007.
Jebakan hukum swakelola rehabilitasi sekolahzaenal mukodir
sistem swakelola dalam mengelola bantuan pemerintah terkadang menjadi masalah bagi lembaga penerima, bagimana agar tidak menjadi masalah dan terkena masalah? temukan jawabannya disini...
A Place for Us Presentation (June 22, 2007)Andy Carswell
This slide show describes some of the challenges facing Athens, GA and some of the surrounding areas in terms of housing. It was presented in mid-2007.
App Portal permet aux entreprises d’améliorer la satisfaction de leur clientèle et l’efficacité de leurs services grâce à un magasin d’applications professionnelles en libre-service qui accélère la livraison des logiciels aux entreprises, tout en réduisant le coût de fourniture du service et en garantissant la conformité permanente des licences.
Benefit Cost Analysis (BCA) and Housing ApplicationsAndy Carswell
This presentation covers the applicability of three benefit-cost analyses within the housing sector. The three models cover the following situations: a) a builder advocating a temporary buydown mortgage for a buyer who is interested in one of his properties in a soft market; b) a home buyer who contemplates the net benefits of an energy-efficiency upgrade; and c) an illustration of a pro-active homelessness prevention program.
Costa Rica Habitat for Humanity Study Abroad PosterAndy Carswell
This poster describes a housing-related study abroad program from the UGA Maymester of 2015. This poster was presented at the 2015 Housing Education and Research Association Conference in Springfield, IL.
College Students Say the Darnedest ThingsAndy Carswell
This is a tongue-in-cheek presentation that is given to some of my classes at the very beginning of the semester. The presentation basically addresses some of the most consistently asked questions and statements by students that educators face from students, and serves as a good ice-breaker for students with whom I am not familiar. While being barraged by such statements/questions can get tedious over time, the author provides some (hopefully) helpful responses that when applied consistently across classrooms and cohort groups, can inject a little bit of common sense and a reality check to students when necessary. For veterans of the classroom, these statements/questions have all been heard before. For new professors/educators, this is a primer on just some of the things that you can expect students to ask/say over time...sometimes again and again. Cover art work by Ross Schmidt.
This presentation was given to my class by Quint Newcomer, the Director of UGA Costa Rica and the only single family LEED-certified home owner in the Athens area at the time of this presentation. The presentation serves as an introductory primer on what it means to "be green" as a home owner, and also details some of the steps that he took to make his own home LEED certified. Quint's wife, architect Lori Newcomer, designed the layout of the home as well.
Housing Vouchers: What They Are and How To Calculate ThemAndy Carswell
This slide show presentation describes the framework of the housing voucher program, specifically who benefits from it and how the structure of the program is set up. The presentation explains the types of regulations and financial obligations that a household will face in this situation. The information presented here can benefit both those who are seeking some form of housing assistance and those landlords who are interested in accommodating voucher-assisted households.
This presentation was made in late 2011, and serves as an introductory and generic instruction on the benefits that housing brings to the American household and to the general economy as well. It was presented to a resource management class within the College of Family and Consumer Sciences at the University of Georgia.
Reverse mortgages and older americans presentation (nov. 14, 2013)Andy Carswell
This presentation outlines some of the broad issues that encompass the dilemmas that seniors face in taking on reverse mortgages, a housing option that allows older Americans to age in place. In addition, the presentation covers some recent research results regarding housing counselors' roles in educating and preparing their clients on reverse mortgages, specifically the role that fraud from outside parties can play.
Virtual Property Manager: Providing a Simulated Learning Environment in a New...Andy Carswell
This presentation was given at the Education and Information Systems, Technologies and Applications (EISTA) Conference in Orlando. It provides details on a program that was created to help simulate the types of issues that a residential property manager would normally face in his or her job, such as building lease-up, marketing, budgeting, crisis management, and personnel hiring, among several other things. Results are given from an experiment that tested satisfaction with the simulation in both competitive and non-competitive environments, as well as the potential for the simulation to attract students to a "Residential Property Management" concentration. The University of Georgia is one of only about 6-8 colleges and universities that offers such a concentration.
App Portal permet aux entreprises d’améliorer la satisfaction de leur clientèle et l’efficacité de leurs services grâce à un magasin d’applications professionnelles en libre-service qui accélère la livraison des logiciels aux entreprises, tout en réduisant le coût de fourniture du service et en garantissant la conformité permanente des licences.
Benefit Cost Analysis (BCA) and Housing ApplicationsAndy Carswell
This presentation covers the applicability of three benefit-cost analyses within the housing sector. The three models cover the following situations: a) a builder advocating a temporary buydown mortgage for a buyer who is interested in one of his properties in a soft market; b) a home buyer who contemplates the net benefits of an energy-efficiency upgrade; and c) an illustration of a pro-active homelessness prevention program.
Costa Rica Habitat for Humanity Study Abroad PosterAndy Carswell
This poster describes a housing-related study abroad program from the UGA Maymester of 2015. This poster was presented at the 2015 Housing Education and Research Association Conference in Springfield, IL.
College Students Say the Darnedest ThingsAndy Carswell
This is a tongue-in-cheek presentation that is given to some of my classes at the very beginning of the semester. The presentation basically addresses some of the most consistently asked questions and statements by students that educators face from students, and serves as a good ice-breaker for students with whom I am not familiar. While being barraged by such statements/questions can get tedious over time, the author provides some (hopefully) helpful responses that when applied consistently across classrooms and cohort groups, can inject a little bit of common sense and a reality check to students when necessary. For veterans of the classroom, these statements/questions have all been heard before. For new professors/educators, this is a primer on just some of the things that you can expect students to ask/say over time...sometimes again and again. Cover art work by Ross Schmidt.
This presentation was given to my class by Quint Newcomer, the Director of UGA Costa Rica and the only single family LEED-certified home owner in the Athens area at the time of this presentation. The presentation serves as an introductory primer on what it means to "be green" as a home owner, and also details some of the steps that he took to make his own home LEED certified. Quint's wife, architect Lori Newcomer, designed the layout of the home as well.
Housing Vouchers: What They Are and How To Calculate ThemAndy Carswell
This slide show presentation describes the framework of the housing voucher program, specifically who benefits from it and how the structure of the program is set up. The presentation explains the types of regulations and financial obligations that a household will face in this situation. The information presented here can benefit both those who are seeking some form of housing assistance and those landlords who are interested in accommodating voucher-assisted households.
This presentation was made in late 2011, and serves as an introductory and generic instruction on the benefits that housing brings to the American household and to the general economy as well. It was presented to a resource management class within the College of Family and Consumer Sciences at the University of Georgia.
Reverse mortgages and older americans presentation (nov. 14, 2013)Andy Carswell
This presentation outlines some of the broad issues that encompass the dilemmas that seniors face in taking on reverse mortgages, a housing option that allows older Americans to age in place. In addition, the presentation covers some recent research results regarding housing counselors' roles in educating and preparing their clients on reverse mortgages, specifically the role that fraud from outside parties can play.
Virtual Property Manager: Providing a Simulated Learning Environment in a New...Andy Carswell
This presentation was given at the Education and Information Systems, Technologies and Applications (EISTA) Conference in Orlando. It provides details on a program that was created to help simulate the types of issues that a residential property manager would normally face in his or her job, such as building lease-up, marketing, budgeting, crisis management, and personnel hiring, among several other things. Results are given from an experiment that tested satisfaction with the simulation in both competitive and non-competitive environments, as well as the potential for the simulation to attract students to a "Residential Property Management" concentration. The University of Georgia is one of only about 6-8 colleges and universities that offers such a concentration.
Castle Doctrine: Its Origins and Impacts on U.S. HomeownersAndy Carswell
Laws involving the "Castle Doctrine" for home owners, or the ability to protect oneself from outside intruders, have been broadened in recent years to provide protections and extend gun rights in areas outside the home. This presentation is a brief introduction to the concept with reference to some high-profile cases.
Cover Art: Drake Dunaway
Gauging Stakeholder Interest in Residential Property Management ProgramsAndy Carswell
The presentation highlights recent research conducted by the University of Georgia's Department of Financial Planning, Housing, & Consumer Economics. The specific focus is on an emphasis that the department made to implement residential property management classes within the general housing curriculum. The results are dual track, in that they cover responses given by both students and apartment industry members, two important stakeholders in the overall development of a successful program. The research team would also like to thank Maureen Lambe of the National Apartment Association for her help in making available NAA membership lists to make such industry surveys possible.
This presentation highlights some of the context behind the contentious debate between environmentalists and U.S. builder/developer interests over the issue of "wetlands". The issue has undertones that reveal the tension between pro-growth and slow- or no-growth advocates. It also reveals some of the machinations of the policy process, especially the use of agency power and the court system to bypass the legislative process. The material from which this presentation is based comes from the excellent book, "Housing in the Twenty-First Century: Achieving Common Ground", written by Kent Colton.
UGA Department of Housing and Consumer Economics Presentation To Athens RotaryAndy Carswell
This presentation, made in 2010, highlights some of the good works that have been done within the University of Georgia's Department of Housing & Consumer Economics (since renamed "Department of Financial Planing, Housing & Consumer Economics"). The presentation was made before the Athens Rotary Club.
Homelessness and "Housing First" Cost-Benefit PresentationAndy Carswell
This presentation covers an issue addressed at the Society of Benefit-Cost Analysis in Fall 2011. The topic of homelessness is discussed, particularly the efforts of homeless service providers in implementing an early-intervention "Housing First" approach, in which the external costs of homelessness such as drug abuse and incarceration are diminished through the provision of stable housing in the early stages of a homeless or near-homeless household. This approach was popularized by Sam Tsemberis a few decades ago, and its practical benefits were illuminated in the popular press in the mid-2000s in Malcolm Gladwell's New York Times magazine essay, "Million Dollar Murray".
This presentation helps to enunciate some of these costs and benefits even clearer , including secondary and tertiary benefits that had been either previously undisclosed or underreported. Much of these costs and benefits were derived and validated from conversations within the Athens homelessness provider community by the presenters.
This presentation highlights the types of home buyer assistance programs that are underutilized, yet which are made available to qualified home buyers. Many of those who qualify are not even aware of the fact that they would qualify for such assistance. The type of assistance that is usually made available is far-ranging, from down payment assistance to interest rate breaks to closing cost reduction.
The presentation begins with a layout of housing affordability pressures throughout both Georgia and the United States, with an additional emphasis on the effects that transportation costs have on metropolitan households. This creates a need for “workforce housing” which is interpreted differently from “affordable housing”. The presentation concludes with an illustration of the types of home buyer assistance opportunities that are made available through area MLS with the help of a program developed by Workforce Resource, an Atlanta-based company committed to making such opportunities available to qualified home buyers.
The presentation was made at a consumer conference in Chattanooga in early 2010. The presenters were Rob Chrane, Principal of Workforce Resource, LLC, and Dr. Andy Carswell, Associate Professor at the University Georgia’s Department of Financial Planning, Housing and Consumer Economics.
Georgia Facts: A Look at the "Five Georgias"Andy Carswell
This presentation was made before the Society of Georgia Archivists in 2009. It helps to show the diversity within the state of Georgia, and some of the trending patterns within different pockets of the state. This presentation is dedicated to the memory of long-time state demographer Doug Bachtel, who passed away in the summer of 2013, and who is listed as my co-presenter here.
Shift Share and Location Quotients: An Industry Sector AnalysisAndy Carswell
This presentation was given to the Valdosta/Lowndes County, GA Chamber of Commerce in Spring 2012. The presentation tracked industry growth by specific employment sectors and compared them against similar measures from more than a dozen "sister counties" throughout the Southeast U.S.
This presentation summarizes research conducted in 2009 on the characteristics of multifamily apartment properties that registered and became certified for LEED status as of late 2008/ early 2009. (Cover art by Ross Schmidt)
Community Land Trusts and Social/Neighborhood Outcomes in Athens, GAAndy Carswell
This presentation examines the work done by two UGA researchers on the housing outcomes of people who have entered into a limited homeownership situation made possible through a community land trust, or CLT. CLTs are shared equity partnerships that allow low- to moderate-income households to enter into homeownership situations without owning the land upon which the housing unit rests, thus making the transaction more affordable in the process. The households were surveyed on their present housing condition when compared with previous housing situations.
Mortgage Fraud: A Description and Community Research ResultsAndy Carswell
The following presentation highlights a white-collar crime activity that has flourished within American neighborhoods since the late 1990s and early 2000s. The slide show not only provides a description of mortgage fraud, but also highlights some of the academic research findings by the author over the past five years.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
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Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Accpac to QuickBooks Conversion Navigating the Transition with Online Account...PaulBryant58
This article provides a comprehensive guide on how to
effectively manage the convert Accpac to QuickBooks , with a particular focus on utilizing online accounting services to streamline the process.
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
Taurus Zodiac Sign_ Personality Traits and Sign Dates.pptxmy Pandit
Explore the world of the Taurus zodiac sign. Learn about their stability, determination, and appreciation for beauty. Discover how Taureans' grounded nature and hardworking mindset define their unique personality.
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
Remote sensing and monitoring are changing the mining industry for the better. These are providing innovative solutions to long-standing challenges. Those related to exploration, extraction, and overall environmental management by mining technology companies Odisha. These technologies make use of satellite imaging, aerial photography and sensors to collect data that might be inaccessible or from hazardous locations. With the use of this technology, mining operations are becoming increasingly efficient. Let us gain more insight into the key aspects associated with remote sensing and monitoring when it comes to mining.
4. PULL FACTOR
Measures a county’s retail buying power
that incorporates the effects of income
and population on a county’s retail sales
activity.
5. PULL FACTOR =
Sales Activity Index / Wealth Factor
• PF>1 could indicate that a county is selling to a
greater market than just the local population.
• PF<1 may indicate that the county is losing
shoppers to surrounding counties.
6. SALES ACTIVITY INDEX
• Measures the county’s
share of total GA sales in
a particular retail sector
relative to the share of the
state’s population.
• County % of Total GA
Sales in Retail Sector/
County % of GA’s Pop’n.
7. WEALTH FACTOR
• Measures wealth in a
county relative to the
state as a whole.
• County Median
Wealth/GA Median
Wealth
18. WE THANK YOU FOR THE TIME
TO SPEAK WITH YOU!
carswell@fcs.uga.edu
(706) 542-4867
dbachtel@fcs.uga.edu
(706) 542-4894
Editor's Notes
I’d like to draw your attention to 4 counties in particular that either are urban already or are experiencing tremendous growth.
Lowndes County (pop. 96,705 in 2005) and Whitfield County (pop. 90,889 in 2005) are urban by almost any measure. This group should consider including these counties in its efforts.
Also, Paulding (pop. 112,411 in 2005) and Newton (pop. 86,713 in 2005) counties are growing at top-ten rates in the nation and should be included in the Atlanta urban are measures. Other surrounding counties, such as Walton County (pop. 75,647 in 2005), are close behind.
