Collective investment scheme

October 8, 2015 Regarding: 907 Mimosa, Vacaville CA 95688 Offer from Robert Asmus & Catherine Asmus Dear Mr. & Mrs. Spencer, Please see attached offer for your property on 907 Mimosa Dr. From Mr. & Mrs. Asmus. This offer is for full asking price of $569,000, Conventional/Jumbo loan. The buyer is paying for her own Title and Escrow, with a 45 day close of Escrow. My clients have been preapproved by Quicken loans, and is also working with another local lender Jack Kammer, from Scenic…

The real estate company is Smokin’ Gators Property Management, Inc. The company will influence its competitive advantage, market segmentation strategy and our focus strategy by achieving the vision with the common goal of all affiliates and strategic team of professionals. I am hoping that will the aid of utilizing the five approaches will benefit my business from the initial beginning. The five approaches are cost position, clients, the industry structure, profitability in my area,…

Defined benefit retirement plans differ from defined contribution retirement plans. In reality, both plans are good for the employee, however, a defined benefit retirement plan provides more of a benefit to the employee, rather than a defined contribution retirement plan. More employers are replacing defined benefit retirement plans with defined contribution retirement plans each year because the expense and long-term obligations of the defined benefit retirement plans are much higher than the…

causes prices to decease because of this. This means that stores like Tesco, Asda and Sainsbury do not have a completive advantage because there is not providing high quality product to the customer, this will mean Sainsbury will have a lack of investment which mean there are not able to expand further which mean their can’t provide product which cause market share to decrease which make Sainsbury lose money and profit to their rivals. The recession has affected Sainsbury has it made people…

People say that we don’t use math in everyday life but this Financial Literacy project proved my wrong to the point that I began to hate the calculator because I never thought that math would be used that much. The things I want to remember is the use of a credit card, meal plans and management, lastly car payments. This project made me rethink the use of my money because you must learn to manage it well or you will suffer but the positive moment is that we can figure out what do next. The best…

The components of a comprehensive budget are divided in two categories: The operating income, which includes all forms of recurring income and expenses; and the Capital Budget, which includes nonrecurring items. The purpose of the Operating Budget is in a comprehensive budget is to make clear the forms of income that the individual can count on, on a regular basis and the expenses that have to be made for each period. On the other hand, the capital budget exists for long term purchases and…

4 Steps for Implementing a Successful Progressive Discipline Policy Research by the Society for Human Resource Management (SHRM) shows that average cost-per-hire is over $4,100 for most positions. The SHRM also found that the annual turnover rate is 19 percent and the termination rate is eight percent. While it may take over 40 days to fill an open position, the average employee lasts about eight years. Having a progressive discipline policy is the best way to minimize hiring costs and reduce…

Most communally used in institutional settings, token economies are used as a form of behavior modification. A token economy is a method used to increase and reward desirable behavior. Token’s can be anything from a sticker or coins, to tallies, or poker chips; they just have to have the ability to be counted. Once the subject has earned enough tokens they are able to receive a reward Tokens can be withdrawn in order to decrease bad behavior. The goal of a Token economy is to strengthen…

Export-Import Bank Overview The Export-Import Bank of the United States of America is a federally funded institution which facilitates the growth of exports in the United States and strengthens economic ties with developing nations. Created by President Roosevelt in 1934, the Export-Import (Ex-Im) Bank, “a wholly owned U.S. government corporation, is the official export credit agency (ECA) of the United States.” Ex-Im Bank provides the following: “(1) direct loans; (2) loan guarantees; (3)…

As the manager of a corporation that has it's largest factory in the mid-western United States, I would have to determine what would be best for the company as a whole. Since the current factory is not competitive in international markets and needs extensive renovation, a decision must be made about the factory and about the financial health of the company overall. The three choices proposed to solve the problem with the current factory are: modernize the factory so it will be more…