Credit Protection Worksheet - 671 Words

Credit Protection Worksheet FP/101-Foundations of Personal Finance Credit Protection and Identity Theft Directions Refer to: Free Credit Report on the Federal Trade Commission’s site. Identity Theft resource center on the Federal Trade Commission’s site. Provide answers to three of the following questions based on your readings and your personal experiences. Answers should be 100-to 150-words each. 1. If you find errors on your credit report, what steps would you take to correct them? You’d tell the credit reporting company, in writing, what information that you found that’s inaccurate on your credit report. The agency must investigate the items within 30 days usually, unless they consider your†¦show more content†¦3. Have you, a family member, or a friend been a victim of identity theft? How did it happen? Describe the resolution process- ex. how much time did it take, what credit damage was corrected? My Mom was actually just recently a victim of identity theft, a couple weeks ago she got a call from her bank questioning some charges that had been made in New Jersey around the same times she had made charges in Toledo, where we live. Obviously my Mom told them they were fraudulent charges because she’s never been to New Jersey so the bank put a freeze on her account. They think someone had gotten her account number by putting a magnetic strip at a gas pump she had used somewhere. It took about a week for her to get everything straightened out, she had to cancel her card as well so it took 10 days for her to get a replacement..it was a big hassle. 4. Using the FTC site, what can you do to minimize the chance of your identity getting stolen? Some of the things you can do to minimize the chances of your identity being stolen would be to kep your important, personal papers in a an organized secure place at all times. Shredding personal papers and documents, and making sure that any personal information or account numbers are blacked out if they’re thrown in the trash. Always make sure to keep only any personal informationShow MoreRelatedCredit Protection Worksheet627 Words   |  3 PagesMaterial Credit Protection and Identity Theft Directions Refer to: Free Credit Report on the Federal Trade Commission’s site. Identity Theft resource center on the Federal Trade Commission’s site. Provide answers to three of the following questions based on your readings and your personal experiences. Answers should be 100-to 150-words each. 1. If you find errors on your credit report, what steps would you take to correct them? If you find errors on your credit reportRead MoreGet A Financial Life : Personal Finance898 Words   |  4 Pagesone’s financial standing one must know their expense to income ratio. Kobliner provides a worksheet that breaks down sources of income and expenses, which allows one to see easily their monthly income and outcome. Unfortunately, the knowledge of what one spends and earns in a month is ineffective unless accompanied with guidelines to help appraise one’s current asset consumption. In order to service the worksheet she provides target ratios for debt, rent, and savings to total income. To finalize thisRead MoreFp101959 Words   |  4 PagesMaterial Credit Protection and Identity Theft Directions Refer to: Free Credit Report on the Federal Trade Commission’s site. * Identity Theft resource center on the Federal Trade Commission’s site. Provide answers to three of the following questions based on your readings and your personal experiences. Answers should be 100-to 150-words each. 1. If you find errors on your credit report, what steps would you take to correct them? 1. Tell the credit reportingRead MoreCSR Program Proposal for Columbia Bank1238 Words   |  5 Pagesgreatest hurdles individuals face in reaching financial success in our country, and particularly in the Washington D.C area, is student loan debt. According to an article in the Washington Business Journal written by Jeff Clabaugh (2013), â€Å"Credit monitoring firm Credit Karma Inc. says the average student loan debt among borrowers in D.C. in August was $42,873, almost 50 percent higher than the national average. Maryland ranks second-highest for student loan debt, with an average balance of $31,791 (paraRead MoreHow Can Communities and Governments Encourage Recycling Efforts in the United States?3602 Words   |  15 Pagesplanning and the opportunity to apply the techniques and strategies essential to this understanding. Primary areas of study include creating and managing a personal budget, understanding and paying taxes, working with financial institutions, wise use of credit cards and consumer loans, financing automobiles and homes, and the use of insurance for protecting one’s family and property. Topics and Objectives Week One: Personal Financial Planning * List the five steps in the personal financial planningRead MoreFoundations of Personal2001 Words   |  9 Pagesplanning and the opportunity to apply the techniques and strategies essential to this understanding. Primary areas of study include creating and managing a personal budget, understanding and paying taxes, working with financial institutions, wise use of credit cards and consumer loans, financing automobiles and homes, and the use of insurance for protecting one’s family and property. Policies Faculty and students/learners will be held responsible for understanding and adhering to all policies containedRead MoreEssay on Fair Credit Reporting Act and Personal Finance1879 Words   |  8 Pagesplanning and the opportunity to apply the techniques and strategies essential to this understanding. Primary areas of study include creating and managing a personal budget, understanding and paying taxes, working with financial institutions, wise use of credit cards and consumer loans, financing automobiles and homes, and the use of insurance for protecting one’s family and property. Policies Faculty and students/learners will be held responsible for understanding and adhering to all policies containedRead MoreThe Ps Of Marketing Are Product, Place, Price And Promotion1416 Words   |  6 PagesTax Service product is a tax preparation service. Four T Tax Service offers various products and services. Income tax return preparation and electronic filing and paper filing are offered. Advice on status, deductions and credits are given as part of this service. Audit protection is also offered where in the event of an audit we can assist the tax payer with the audit. The place a customer can look for Four T Tax Service is in Henderson Nevada. Since we are located in Henderson Nevada we areRead MoreLaw 531 Business Forms Worksheet1386 Words   |  6 Pagesï » ¿University of Phoenix Material Business Forms Worksheet There are seven forms of business: sole proprietorship, partnership, limited liability partnership, limited liability company (including the single member LLC), S Corporation, Franchise, and Corporation. 1. Research and provide three advantages and three disadvantages for each business form. 2. Provide a 100- to 200-word summary in which you provide an example business that you would start for each form. What is legally necessary toRead MoreThe New Deal Of A Big Depression Hit America1440 Words   |  6 PagesRoosevelts era on a constant basis, which are rather important even today and form one of the pillars of modern credit and capital. Some of these rules include: Deposit insurance Securities regulation Federal regulation of banks In conclusion, it can be seen that investor protection started in the 30s and made financial markets saver for market participants and form todays pillars in credit and capital (Piereson, 2008, May 15th). Question 2 Disclosure is important for investors, since they make their

Essay about Effects of Social Networking Sites - 730 Words

Effects of Social Networking Sites The implementation of social networking sites has changed how the average person communicates with others. Studies show that the average person spends at least nine hours a week surfing and posting on social network sites (http://socialnetworking.procon.org/). In fact, using social networking sites has not only improved our communication skills, but has had a negative impact as well. One of the many pros and cons to communicating on a networking site is the ability to â€Å"stay connected.† When a student graduates, a loved one moves, or a career changes, everyone wants to keep up with people they have grown to care for. Being on a social networking site, you can â€Å"friend request† people you know to keep up†¦show more content†¦Artists and topics that attract a younger population give ample opportunity for predators to have access to the viewers. There is no way to know that the 15 year old girl you’ve become  "besties† with is really a young girl, or if it’s really a pedophile looking for new prey. â€Å"In Feb. 2009, MySpace identified 90,000 registered sex offenders with profiles on the site, while Facebook declined to reveal how many were present on its site† (http://socialnetworking.procon.org/). Another example of how social networks affect society both positively and negatively is the ability to obtain information. Many networking sites created today are made for specific genres of people. Sites like LinkedIn.com and CafeMom.com have been created to help people with life issues such as finding new jobs or getting tips on breastfed babies. If a person is shy and has trouble meeting that â€Å"special someone,† they can go to a networking site such as MeetUp.com. Sadly, not everything that is posted on these sites can be verified. Most sites, like the match-making sites, have no way to verify that the person posting on their site is them. An older, obese pe rson can post a picture of a younger, thinner person to try and get a match. The site itself does not know that the picture posted is actually the person posting it. So, when the â€Å"date† shows up expecting person A, they are angry or upset that they meet person B, the real person, and bullying, fighting, orShow MoreRelatedEffects Of Social Networking Sites On Relationships1528 Words   |  7 Pages Effects of Social Networking Sites on Relationships Several studies have found that using social networking sites excessively, including partner surveillance and monitoring, posting ambiguous information, and compulsive internet use, can be detrimental to romantic relationships (Ridgway Clayton, 2016). Social networking sites such as Twitter, Instagram, and Facebook, negatively influence our relationships. It is important to know the common conflicts and how to avoid them. It is alsoRead MoreEffects of Social Networking Sites to Students4872 Words   |  20 PagesPublishing Corporation www.sciencepubco.com/index.php/IJBAS The Effect of Social Networking Sites to the Lifestyles of Teachers and Students in Higher Educational Institutions Seguya Asad1, Md. Abdullah-Al-Mamun2, Che Kum Clement3 Department of Technical and Vocational Education, Islamic University of Technology 1 E-mail: sgyasad@yahoo.co.uk , abmamun@iut-dhaka.edu2, chekum@iutdhaka.edu3 Abstract With the creation of Social Networking Sites, colleges and universities across the globe have been playingRead MoreEFFECT OF THE SOCIAL NETWORKING SITES ON THE STUDY HABBITS OF THE STUDENTS1840 Words   |  8 PagesEFFECT OF THE SOCIAL NETWORKING SITES ON THE STUDY HABBITS OF THE STUDENTS A Research Paper Presented to Ms. Patricia Orpilla By: Ma. Excelsis Dhea T. Arganoza Rose Ann Garcia Kamille Logo Jennifer Capillan Christine Vallejo Michelle Connie Pascual Rainer Rosales INTRODUCTION In our present generations, there a lot of technologies have been deployed to make things easier. One of them is the Social Networking Sites it is very useful in many ways, and it is easy to use by anyone apparently mostRead MoreThe Effect of Social Networking Sites to the Academic Performance of Students2842 Words   |  12 Pagesï » ¿ A STUDY ABOUT THE EFFECTS OF SOCIAL NETWORKING SITES TO A STUDENT’S ACADEMIC PERFORMANCE Kurt Jonas L. Adonis Errol A. Buenaventura Researchers Mrs. Marilyn S. Roque Marcelo H. del Pilar National High School December 2013 Acknowledgement We would like to acknowledge our former teacher in research Mrs. Kathyryn Alvarez for teaching us the basics of research. Without her, we would not know anything about research. We would also like to acknowledge our current teacherRead MoreThe Effects Of Social Networking Sites On People s Lives1136 Words   |  5 PagesFRIEND ON SOCIAL NETWORKING SITE CANNOT BE TRUST†Ã¢â‚¬â€œ A QUALITATIVE WORK DONE BY PROFESSORS AT UNIVERSITY OF MACAU, CHINA. -SAHITHI KUNATI Introduction: There has been a lot of theory about the effect of Social Networking Sites on people’s lives. Some apprehension that Social Networking Sites utilization may reduce human connections and contact, maybe expanding social segregationRead MoreThe Effects of Social Networking Sites to the Academic Performance of the Students6500 Words   |  26 PagesThe Effects of Social Networking Sites to Academic Performance of the Students ABSTRACT Title : The Effects of Social Networking to the Academic Performance of the Students The purpose of the study was to determine the effects of social networking to the academic performance of the students of Universidad de Manila. Specifically, it attempted to answer the following questions: 1. What is the demographic profile of the respondents in terms of age, gender? 2. What is the academicRead MoreThe Effects Of Social Networking Sites On People s Lives1777 Words   |  8 PagesFRIEND ON A SOCIAL NETWORKING SITE CAN BE TRUSTED† – A QUALITATIVE WORK DONE BY PROFESSORS AT UNIVERSITY OF MACAU, CHINA. -SAHITHI KUNATI Introduction: There has been a lot of theory about the effect of Social Networking Sites on people’s lives. Some apprehension that Social Networking Sites utilization may reduce human connections and contact, maybe expanding social segregationRead MoreThe Effect of the Use of Social Networking Sites in the Workplace on Job Performance18692 Words   |  75 PagesTHE EFFECT OF THE USE OF SOCIAL NETWORKING SITES IN THE WORKPLACE ON JOB PERFORMANCE A Dissertation by MURAD MOQBEL Submitted to Texas AM International University in partial fulfillment of the requirements for the degree of DOCTOR OF PHILOSOPHY IN INTERNATIONAL BUSINESS ADMINISTRATION May 2012 Concentration: Management Information Systems THE EFFECT OF THE USE OF SOCIAL NETWORKING SITES IN THE WORKPLACE ON JOB PERFORMANCE A Dissertation by MURAD MOQBEL SubmittedRead MoreThe Effects of Social Networking Sites on the Academic Performance of Grade 7 Students1711 Words   |  7 PagesCHAPTER 1 THE PROBLEM AND ITS BACKGROUND INTRODUCTION Based on the studies today , social media has influenced students to rely on the accessibility of information that is available on the internet .The students are reduced on focusing on their learning as well as on retaining the information. In the Philippines the quality of education is getting low because of the short period of education ,so that’s why the K to12 became was born. The K to 12 Program covers  KindergartenRead MoreThe Effects of Facebook to Study Habits1734 Words   |  7 PagesCatholic College High School Department S.Y. 2011 - 2012 THE EFFECTS OF SOCIAL NETWORKING TO THE STUDY HABITS OF 4TH YEAR HIGH SCHOOL STUDENTS A Thesis Presented To: Mrs. Ma. Teresa C. Radovan In Partial Fulfillment Of The Requirements In English IV Submitted by: Juan Paulo Concepcion Renz Daniel Tenedero Jeffrey Sanchez John Lemuel Lastimado Jeoffrey Asuncion March 2011 CHAPTER I THE PROBLEM INTRODUCTION As many as you know, social networks have been famous since 2001 with Friendster,

Shouldice Hospital Limited Abridged Free Essays

3/26/2013 Shouldice  Hospital  Limited   (Abridged) Summary  of  case  discussion Indicators  of  success †¢ Profits – Revenue  =  7600  *  (320*4  +  650  +  300*20%)  =  $15  mil. – Costs  =  $8. 5  mil  for  hospital  +  $3. We will write a custom essay sample on Shouldice Hospital Limited Abridged or any similar topic only for you Order Now 5  for  clinic $ $ – Profits  =  $3  mil †¢ Word? of? mouth  advertising – Afraid  of  advertising  for  fear  of  generating  too  much  demand †¢ Backlog  of  demand – Currently  2400,  growing  at  100  /  6  mo. †¢ High  percentage  of  doctors  as  patients †¢ L Low  recurrence – 0. 8%  vs. 10%  at  other  hospitals †¢ Patients  reunions †¢ Low  employee  turnover 2 1 3/26/2013 Capacity  at  key  resources Examination – 6  rooms  x  3  patients/hr  x  3  hrs/day  (1? 4pm)  x  5days/wk  =  270   patients/wk †¢ Operating  rooms – 5  rooms  x  7hrs/day  x  5days/wk  x  1  patient  /(hr. room)  =  175   patients/wk †¢ Surgeons – 10  surgeons  x  1  patient/(hr. surgeon)  x  8  hrs/day  x  5  days/wk  =   400  patients/wk †¢ Rooms â₠¬â€œ Assume  patients  stay  for  4  nights,  and  level  demand – Number  of  patients  per  day  (Sun  Ã¢â‚¬â€œ Thur)  =  89  rooms/4  =  22 – Capacity  =  5days/wk  x  22/day  =  110  patients/wk â€Å"Rooms†Ã‚  is  the  bottleneck. So  indeed  capacity  expansion,  if  any,  should  start  with  this  resource. Notice  that  this  processing  rate  does  not  add  up  to  7600  patients  per  year  that  Shouldice  is   handling. Possible  reasons:  patients  stay  for  fewer  nights,  or  they  admit  more  patients  toward   the  end  of  week,  or  there  is  an  Ã¢â‚¬Å"overflow†Ã‚  area  in  the  hospital. 3 Why  patients  like  Shouldice? †¢ Low  price – $1990  (excluding  travel)  vs. $5240  at  other  hospitals †¢ Low  recurrence  rate †¢ Facilities/decor – Investments  made  in  assets  such  as  carpeting,  common  areas  (the   Florida  room  e. g. ),  low  stairs,  nice  grounds. †¢ Socialization/ambiance Schedule  patients  with  similar  backgrounds  in  the  same  room – Group  activities  (e. g. ,  tea  and  cookies)  to  alleviate  anxiety  and  build   p relationships – Create  pleasant,  non? hospital? like  atmosphere †¢ Fast  recovery – Days  vs. weeks  at  other  hospitals – Early  ambulation  (confidence,  medical  benefits) 4 2 3/26/2013 Why  employees  like  Shouldice? †¢ Doctors – Regular  hours,  on  call  but  rarely  called g , y – Good  pay – Low  risk  surgery,  opportunity  to  be  the  best  in  class †¢ Nurses – Minimal  physical  assistance – Counseling  activities,  instead  of  changing  Ã‚  bedpans Staff – Cross  training,  helping  each  other – Interactions  (e. g. ,  in  dining  room) – Strong  concern  for  employees,  nobody  is  fired 5 The  focused  factory  model †¢ A  narrow  market  segment  (a  simple  type  of  hernia  repair),  ensured  by  a   careful  screening  pro cess †¢ An innovative procedure that emphasizes early ambulation which leads to An  innovative  procedure  that  emphasizes  early  ambulation  which  leads  to   quick  recovery †¢ Standardized  procedure,  not  to  be  varied †¢ Patients  are  basically  well,  allowing  demand  to  be  inventoried  (and  thus   easy  scheduling) †¢ Family? tyle  management  allows  a  highly  specialized  workforce  to   â€Å"decompress,†Ã‚  leading  to  happy  employees  with  low  turnover †¢ Low  investments  by  sharing  resources  (e. g. ,  anesthetists,  nurses) †¢ Help patients help themselves (e g tea and cookies to mix pre? operative Help  patients  help  themselves  (e. g. ,  tea  and  cookies  to  mix  pre? operative   patients  with  post? operative  patients) †¢ Attention  to  details:  no  TV  in  room;  carpeting;  low? rise  stairs  for  easy   walking;  walk  from  the  operating  table;  gardens;  good  food,  etc. 3 3/26/2013 Options  for  capacity  expansion †¢ Saturday  operations – Pros:  no  investment – Cons:  interferes  with  regular  work  schedules †¢ Invest  to  build  more  rooms – Pros:  keep  regular  work  schedules – Cons:  heavy  utilization  of  other  resources †¢ Another  hospital – Pros:  there  is  a  market  (1  million  hernia  operations  a  year   ( p y in  the  U. S. ),  save  travel  costs  for  patients – Cons:  Quality  control? Sources  of  doctors. †¢ Another  procedure – What? Expertise? Markets? Too  many  questions. Most  students  chose  either  the  second  or  the  third  options. 7 Key  learning  points †¢ The  focused  factory  approach  leads  to  more   added  value  (and  thus  higher  competitive   added value (and thus higher competitive advantage):  it  increases  the  customer’s   willingness? to? pay  and  lowers  the  cost,  at  the   same  time. †¢ The  devil  is  in  the  details:  many  operational   details,  although  seemingly  routine  and  minute,   play  an  important  role  in  shaping  strategic   decisions  (such  as  capacity  expansion  here). 8 4 How to cite Shouldice Hospital Limited Abridged, Papers

The Many Benefits of Classical Music and rock music free essay sample

Throughout time, various studies have proved the amazing benefits of this genre. 1 . Classical music can reduce stress and anxiety. 2. Babies who listen to classical music while still In the womb often are calmer at birth. As well as have better sleep and tend to learn faster as they age. 3. Classical music helps us to concentrate, and think more clearly. 4. Your more likely to forget about current frustrations, while listening to Classical music. 5. Seniors who listen to Classical are likely to have less depression and Injuries.They were also found to have all over better health. 6. Pets with separation anxiety were found to benefit from classical music being played. 7. A childs cognitive function is greatly enhanced by listening to classical. It was found, that in particular when listening to: Beethoven, Mozart and Brahms 8. While studying and playing classical music In the background, we are better to retain what we are learning and doing. We will write a custom essay sample on The Many Benefits of Classical Music and rock music or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page 9. Children who listen to classical have been found to have better skills at articulating their emotions. 0.After listening to Classical your more likely to be in a relaxed state, and have a good sense of well being. Rock music Is a group of related music styles that have dominated popular music In the West since 1955. Rock music began in the united States, but it has influenced and in turn been shaped by a broad field of cultures and musical traditions, including gospel music, the blues, country-and-western music. Classical music folk music, electronic music, and the popular music of Asia, Africa, and Latin America (often roped together under the term world music).In Dalton to Its use as a broad designation, the term rock-music is used to refer more specifically to music styles after 1959 predominantly influenced by white musicians. Other major rock-music styles Include rock and roll, the first genre of the music; and rhythm and the blues music (R), influenced mainly by black American musicians. Each of these major genres encompasses a variety of sub-styles, such as heavy metal, punk, alternative, and grunge. While innovations in rock music have often occurred In seminal centers-?such as New York, Kingston, and Liverpool-?the Influence If rock music is now felt worldwide.The central musical instr ument in most kinds of rock music is the electric guitar. Important figures In the history of this instrument Include Jazz musician Charlie Christian, who In the late 930 was one of the first to perform the amplified guitar as a solo instrument; Aaron Tableaux T-Bone Walker, the first blues musician to record with an amplified guitar (1942); Leo Fender, who in 1948 introduced the first mass- reduced solid-?body electric guitar; and Less Paul, who popularized the Instrument In the early 1 950 with a series of technologically Innovative recordings.Elvis Presley Is someone everyone all over the world is familiar with. Elvis Presley was the very first 1 OFF left people mesmerisms and along with his powerful music, he was certainly a musical icon. He became a phenomenon almost instantaneously and rock musicians who were to come later on all followed in Elvis Presley footsteps. Another band which was very popular was the Beetles. The Beetles were a rock music group who ere very much inspired by British rock musicians such as Cliff Richard.This b and too became quite popular during the sasss and had a successful career. Over the many years, music has divided into various styles and various genres. Some other forms and styles of music were Folk rock music and Psychedelic rock music. Many people in society of different age groups disagree the fact that rock music is attached to any positive influences that can outweigh its negatives. This can be the public opinion because due to lack of right knowledge most the people Judge the influence of rock music without understanding the facts associated with it.Many blame it for the darkness that exists in the society due the shades of grey that it presents. In fact, it leads society away from darkness. It carries numerous positive influences which are not visible at a swift glance. Rock music in the longer run has not only showcased its positive influences on individuals but on time and society altogether. The positive influence of rock music can be derived from the messages that are conveyed by it. Like, suicide is one of the problems that society needs to deal tit and teenagers are more prone towards it.After receiving overwhelming amount of suicidal letters from teenagers, Good Charlotte band released an anti-suicidal song Hold On. The embracing of the concept by many teens may have saved many lives. Rock music is the music of the teen generation and any positive message conveyed through it is understood by thousands of teenagers. Many draw motivation from these songs. Rock music has opened various issues and ideas ranging from different segments of society which may have remained overlooked otherwise.