...Louis van Gaal's team have yet to win away in the league, a record that at least the beleaguered David Moyes could point to with some pride last season. Here, though they scored two very fine goals, they were undone with disconcerting ease on the break and struggled for fluency throughout. A point at the Hawthorns, on balance, is not a poor result, but it is not the stuff of which pushes for UEFA Champions League places are made -- particularly with such stern challenges immediately ahead. Player Ratings (1-10; 10=best. Players introduced after 70 minutes get no rating): (GK) David De Gea, 6 --De Gea was not at fault for either West Bromwich Albion goal. The opener from Stephane Sessegnon was past him almost before he saw it, a strike too sublime for even his remarkable reflexes. Also, when Saido Berahino advanced upon his goal in the second half, he did so unencumbered by any challenges from the Manchester United defence other than a futile howl from Rafael, since they had been caught flat-footed by Chris Brunt's through ball. De Gea stepped forward smartly to intercept a pass here or there, but was otherwise blameless for the frustrating spectacle. (DF) Luke Shaw, 5 --Shaw looked somewhat exposed throughout. This was possibly because Angel Di Maria abandoned his defensive post at most available opportunities, which is unusual for the Argentina playmaker, but also because Shaw showed a worrying tendency to concede possession high up the pitch in dangerous areas, and a failure...
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...Decisions in Paradise One The purpose of this paper will be to analyze preliminary considerations for the development of a new Wyndham Resort on the South Pacific island of Kava. Development of a new resort on Kava will further establish “Wyndham Worldwide as one of the world's largest hospitality companies across six continents” (Wyndham, para. 2, 2011). The paper will examine potential issues that could hinder the establishment of Wyndham’s presence in Kava. Wyndham’s mission is to “be the global leader in travel accommodations welcoming our guests to iconic brands and vacation destinations through our signature Count on Me! service” (Wyndham, para. 1, 2011). Decision-making and analysis pertaining to Wyndham’s presence in Kava must be sensitive in context to internal and external stakeholders needs. Wyndham is a very profitable company. On August 11, 2011, Wyndham Worldwide Corporation announced $500 Million increase in their Share Repurchase Program (Wyndham, 2011). Kava is one of many strands of islands in the South Pacific Ocean. Neighboring destinations such as Fiji, Cook Islands, Tonga, Samoa, and Vanuatu attract many tourists in search of island paradise. Kava’s population consist of an ethnic mix of native South Pacific tribes, Spanish, French, Asian, African, and an increasing number of Americans. Local inhabitants speak various languages including French, English, Spanish, and indigenous dialect. The downside of Kava’s populations is over 50% of the residents...
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...Amanda Preston Tracy Tenson Comp 105 February 10, 2014 The Chase At a first look Annie Dillard’s, “The Chase” is an ordinary tale of children being children. It tells an incident from Dillard’s childhood when she was chased by a man after hitting his car with a snowball. Dillard’s purpose is to convey that even though it is fast paced, the exciting moments in life can be remembered ages after. Dillard begins her story of the day she was chased by studying the details that led to the day of the chase. Dillard describes the strategies that she has learned by playing football. These strategies toughened her up both physically and mentally. Dillard says all or nothing, to signify the skills required to play football. She continues to use diction such as wholeheartedly, body and soul, fearlessly, fate, to stress the seriousness of her actions. Dillard’s use of vivid details allows her to illustrate the sport in her mind. She says you would get kicked in the face while the kid got away, which makes the readers think of such pain. Dillard continues to give the reader imagery and details. She describes the setting with the six inches of snow. The author continues to describe her friends- the Fahey brothers, Chickie McBride, Billy Paul, and Mackie Kean are described as dark and furious, grew up skinny, knowing and skilled. These descriptions allow the reader to identify and imagine the characters. Also, Dillard describes the setting using descriptions. “The tracks left by the...
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...The chase strategy is a tool used throughout many companies to meet the demand for their products. In this paper it will define what the chase strategy is. This paper will also identify 2-3 companies that might use the chase strategy. Finally this paper will list some of the challenges associated with using the chase strategy and why. The chase strategy is a tool used throughout many companies to meet the demand for their products. In this paper it will define what the chase strategy is. This paper will also identify 2-3 companies that might use the chase strategy. Finally this paper will list some of the challenges associated with using the chase strategy and why. The chase strategy is a tool used throughout many companies to meet the demand for their products. In this paper it will define what the chase strategy is. This paper will also identify 2-3 companies that might use the chase strategy. Finally this paper will list some of the challenges associated with using the chase strategy and why. The chase strategy is a tool used throughout many companies to meet the demand for their products. In this paper it will define what the chase strategy is. This paper will also identify 2-3 companies that might use the chase strategy. Finally this paper will list some of the challenges associated with using the chase strategy and why. The chase strategy is a tool used throughout many companies to meet the demand for their products. In this paper it will define what the chase strategy...
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...Strategy Learning Team Reflection: Chase Strategy Carla Brown, Christine Denson, Shacorra Hall, Danielle McGregor, Donnie Phillips OPS 571 October 1, 2015 Dr. Deborah Jones Learning Team Reflection: Chase Strategy Chase Strategy: Introduction Learning Tea A will discuss the Chase strategy. The examination of two companies that may benefit from the utilization of the Chase strategy will take place. Challenges a company may face implementing the Chase strategy within their organization is researched. Advantages and disadvantages of the Chase strategy are identified. Whether intentionally or unintentionally all companies depend on a form of demand generation strategy. The Chase strategy is best recognized when production meets demand from one period to the next. The strategy is most effective when demand is unpredictable and there is no inventory. According to "Chase Strategy Basics: A Lead Generation How-To" (2014), "The basic principle of the Chase Strategy is to identify the market you want to target with your marketing, and create a profile of potential buyers” (Chase Strategy Basics). Companies create a database of potential customers, and then take steps to get leads and turn leads to sales. The chase strategy concentrates selectively targeted accounts. The chase strategy is not for every business. As with all tactics, there are pros and cons with the Chase strategy. Some advantages when applying the Chase strategy are aggregating planning; inventory is allowed...
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...Case Study: Chase’s Strategy for Syndicating the Hong Kong Disneyland Loan (A) Q1. How should Chase have bid in the first round competition to lead the HK$3.3 billion Disneyland financing? 1.Three ways to approach this deal 1) bid to win, 2) bid to lose and3) no bid. Chase chose to bid to lose on the first round, but just enough to make it to the short list. Also, since Chase is one of Disney's relationship banks, Chase would not want to ruin this relationship by not bidding on their project. If Chase wanted to lead the competition from the first round, they should have made a bid that was more aggressive and aimed to win. This bid would have been closer to the desires of Disney, making them more appealing and increasing their probabilities of leading the financing. However, they chose to bid to lose, with just enough terms to get into the second round to "protect their reputation", but not to lead. The deal started to become more attractive with the possibility of Disney awarding a sole lead arranger mandate and with the increased potential for a successful syndication. At this point, after Chase made it through the first round, they decided on a more aggressive final proposal where they would be very close to meeting most of Disney’s demands in order to win the deal. 2. Standard Commitment Letter The standard commitment letter established by Chase for the Disneyland project would have the following terms: 1. HK$300 million loan. 2. 15-year maturity...
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...autobiographies about an experience when both writers were being chased.Both writers include cultural influences on the setting to make it more clear what life was reallylike for them in their autobiographies. They also both dramatize the chase to make the story moreexciting. Yet, the two writers differ in what cultural setting their autobiographies are in and whatstyle they use to dramatize the chase.While these two autobiographies are rooted in culture, they both differ in what exactcultures the autobiographies nestle in. Rodriguez writes about life in a prominently poor Mexicanneighborhood. He describes many of its various aspects such as the “people … on the metalchairs … and beer” (paragraph 1), the “stucco and wood-frame homes” (paragraph 2), and the“neighborhood consisting mostly of Mexicans” (Paragraph 2). This poverty enriched land is sucha clash when viewed against the presumably middle class white community that Dillarddescribes. Her description of the suburbs in Pittsburgh seem less poverty stricken such as withthem leaving from houses (paragraph 4) and the clothes that the man that chases them wears(paragraph 10). She attaches no greatness or inadequacy about the homes which makes them justregular homes. She also addresses the man’s clothes that’s chases them as city clothes consistingof a suit and tire, which would stick out in Rodriguez’s...
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...On Monday, March 20, 2017, I, Officer B. McMillon, #135, of the Mansfield ISD Police Department while assigned to Legacy High School located at 1263 N. Main in Mansfield, Texas 76063. At Approximately 1:00 pm LHS student Kroner, Karlee W/F, d.o.b 01/27/2000 who said that on 02/23/2017 that her vehicle was struck from behind by another vehicle in the west student parking lot. Kroner said that on 02/23/2017 at about 3:00 pm she was leaving the school West parking lot when she was struck by another vehicle. Kroner said that she was sitting still waiting on her turn to turn onto the main road of travel when she was struck from behind. Kroner said that the driver of the car identified herself as Perciado, Vanessa H/F d.o.b 12/13/1993. Kroner said...
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...HISTORY: JP Morgan Chase & Co is one of the oldest, largest and best known financial institutions in the world. It is a result of a combination of several large US banking companies and over 1200 predecessors. It dates back to 1799. Chase bank is a subsidiary of JpMorgan Chase & Co that specializes in?. The Chase brand is used for credit card services in the United States and Canada, the bank's retail banking activities in the United States, and commercial banking. It is a national bank that constitutes the consumer and commercial banking subsidiary of financial services firm JPMorgan Chase. The history of Chase Bank dates back to September 1st, 1799 when the Manhattan Company was founded by Aaron Burr as a water carrier company. Burr’s goal was to bring clean water to New York City and put a stop to the monopoly that the Bank of New York and the federal bank had on the state. Alexander Hamilton started Bank of New York in 1784. The Mannhattan Company received its charter in an unusual way, through Burrs’ political connections in New York. Being a former congress man and vice president as well as other prominent positions, he sponsored abill through the New York assembly that established the water company which in turn allowed the creation of a bank. A clause in the bill allowed the company to invest surplus capital in any lawful enterprise. The Bank of Mannhattan started paying dividends in June 1800. The water carrier/bank was off and running. In 1804 Burr was...
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...Company Research JPMorgan Chase was founded by Aaron Burr. It was built on the foundation of more than 1,000 predecessor institutions that have merged to form the company. The well- known heritage banks include JPMorgan and Co., The Chase Manhattan Bank, Bank One, Manufactures Hanover Trust Co., Chemical Bank, and The First National Bank of Detroit (JPMorgan.com). JPMorgan predecessors were the introducers of the first automated teller machine (ATM). The ATM revolutionized banking by allowing customers to conduct transactions from almost any ATM in the world. The Chemical Bank was the first bank in the country to allow customers to withdraw cash 24 hours a day. The Chase Manhattan Bank introduced the Chase Money Card, the first Visa debit card offered by a bank in New York. The predecessors were also the first to develop one of the earliest online home banking services. Today, JPMorgan Chase is one of the largest bank holding companies in the United States. JPMorgan is a leader in asset management, investment banking, private banking, treasury and securities services, and commercial banking. The company services large franchises, corporations, institutional investors, hedge funds, governments, health care organizations, educational institutions, and individuals. JPMorgan has over two trillion dollars in assets and has over five thousand branches in several states. JPMorgan Chase is also one of the top lenders and credit card issuers. The company operates globally in over...
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...[pic] BB&T BANK ANALYSIS REPORT FINA 280 FINANCIAL INSTITUTION MANAGEMENT & MODELING William C. Handorf, Ph.D. June 28, 2008 Washington, DC Content 1. INTRODUCTION ………………………………………………..…………………3 2. BB&T ……………………….……………………………………………………….4 3. US ECONOMIC OVERVIEW ……………………………………………………12 4. BB&T Bank …………...……………………………………………………………14 5. Conclusion…………………………………………………………………………..41 6. Questions to Management………………………………………………………….42 1. INTRODUCTION The purpose of this report is to analyze the financial operations and financial conditions of BB&T Bank by evaluating financial, economic and market information available for the period from 2000 to 2008. This paper attempts to address key strengths and weaknesses of the bank from a regulatory, financial, and credit market perspective. In order to make assessments and calculate required ratios, statistics and correlations, we mainly review the Uniform Bank Performance Report (UBPR) of the bank and publicly available financial data. Besides BB&T Bank the paper also attempts to analyze the performance of the holding company, BB&T Corporation (NYSE: BBT). Section 2 briefly overviews the holding company - BBT - and its financial analysis. Section 3 provides an overview of the US economy as a backdrop to the financial performance of the bank. Section 4 uses the CAMELS methodology (Capital, Asset Quality, Management, Earnings, Liquidity and Sensitivity) to identify the key strengths and weaknesses...
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...The Logic of JPMorgan Chase Whale Trades The main purpose of this report is to expose the findings and misconduct of disclosing important information of the JPMorgan Chase Whale Trades. This report explicitly details the negligence by the Chief Investment Office in misleading the Office of the Comptroller of Currency of their Synthetic Credit Portfolio. The author’s intention is to inform what went wrong with the trading in the derivatives market by JPMorgan Chase. The key question the author is addressing is why the CIO deviated from their standard midpoint markings to later assigning more favorable prices. Also, the author is addressing why the OCC was unaware of the losses and the risk associated with the SCP. The most important information in this article is the deceptive actions committed by the CIO in the London Whale Trades. It became apparent that senior managers downplayed the problems of the SCP and kept describing the portfolio as a risk-reducing hedge, when in actuality it was a massive portfolio losing billions of dollars and had stopped providing credit loss protection to the bank. The whale trades shows how financial institutions engage in high risk trading activities with federally insure deposits and attempted to divert attention from these synthetic derivatives. The main conclusion s in this article is a combination of poorly executed hedging decisions by the CIO of JPMorgan Chase in their SCP. The CIO failed to alert its regulators of their actions...
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...April 7, 2013 Jamie Dimon, Chief Executive Officer JPMorgan Chase 270 Park Avenue New York, NY 10017 Dear Mr. Dimon, You’re Fired! Hiring the wrong person costs the company time and money, firing them just adds to that cost. Finding the right person to fill a position is not always easy. Think about it this way: the time, money and countless hours your company spends on hiring employees only to find they were not the right fit for your company. Has your company given a seemingly motivated individual a chance, only to have it backfire? Did you ever put in a good word to hire someone and end up with regret? If this sounds familiar, you are not alone. It is not uncommon to meet an applicant and walk away with a good “false” impression. But no need to worry! Support is just a call away! Highly qualified applicants at your fingertips! As a Fortune 500 Company, JPMorgan Chase understands the need to find highly qualified, dependable applicants quickly. Kelly Services can be of great value when fulfilling your new hire needs at any given moment. One of the short-term goals JPMorgan Chase revealed in its 2011 annual review is to open 2,000 branches nationwide within the next 5 years; this is where Kelly Services can help. Finding highly qualified applicants is overwhelming, time consuming and costs money. Why not let Kelly Services focus on finding the talent you need while you focus on other workforce issues, dilemmas, and day to day business duties. As...
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...panic and decide to avoid the police lights and speed off. This is the making of a dangerous high speed chase, if the driver decides not to stop. When this happens, the officer is going to begin the chase, because he does not know whether the driver has committed some terrible crime, like robbery or, if he is a dangerous drug dealer, or perhaps a wanted sex offender. You never know when a high speed pursuit will start. They can sometimes start in a local area and continue into another jurisdiction. Although these chases are dangerous, neither the driver nor the police know what might be ahead of them. Although police chases are dangerous, police who allows suspects to flee run the risk that offenders will do even greater harm to citizens, says Michael Crivello, president of the Milwaukee Police Association and a city police detective. “They’re fleeing because they may be wanted for sexual assaults, shootings, homicides,” he says. “there are pursuits that are successfully concluded all the time, but you never hear about those.” Milwaukee changed its policy on pursuits last month after four people were killed by drivers fleeing police in three separate incidents in a two-month period. Police there now must have probable cause that a violent felony has occurred instead of reasonable suspicion before initiating a chase. Who do you blame when such dangerous chases end up taking the lives of innocent bystanders. The driver, nor the police wouldn’t know, what effect...
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...M1A1 Case Analysis: Merit Enterprise Corp. The Chief Financial Officer of Merit Enterprise Corp has two options that she can recommend to the board. Let’s take a look at option 1. Pros: We already know that JPMorgan Chase bank has served Merit for many years. The $4 billion loan can come quickly from JPMorgan Chase by gathering a group of banks together. As an investment bank it can help Merit raise capital, and engage in trading and market making activities. Because of their good relationship with the bank merit can negotiate to obtain a low interest rate. The business will stay private. (Montoya, D, and Media, D. (n.d.)). The cons: JPMorgan has served with Merit for many years with seasonal credit lines as well as a medium-term loan. Depending on how business goes they may need a long-term loan. Since the loans will come from different banks if the business does not produce enough cash flow there may be a chance for bankruptcy. JPMorgan will have the upper hand in their finances by demanding periodic financial disclosures to monitor Merit’s financial conditions while their operation is increasing. The bank may lay down certain restrictions that can affect future financing. Since $4 billion is a large sum of money to lend the bank may require collateral. If the business doesn’t do so well the bank may use that to control assets and sell it for a profit to make up for what the business owes. Lastly failure to pay back the loan can result in a lawsuit, which can...
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