...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 dispute unfounded. The credit reporting company must forward the data you provide to the company that provided them the information. After the company receives a notice about the dispute from the credit reporting company, it has to investigate the dispute, review the information, and report back the results to the credit reporting company. When they have completed the investigation if the information is inaccurate, they must report it to the credit reporting agencies so they can correct it in your file. After the investigation, they must give you a copy of the written results and of your credit report if the dispute results in a change to your credit file. 2. There are many organizations that claim they will repair your credit for a fee...
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...University of Phoenix Material Credit Protection and Identity Theft Directions Refer to two articles found at the Federal Trade Commission: Fair Credit Reporting Act: http://www.consumer.ftc.gov/articles/0155-free-credit-reports Avoiding Scams: http://www.consumer.ftc.gov/articles/0120-avoiding-scams-101 Provide answers to 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 any type of errors on your credit report there will be multiple steps that you need to take. The credit reporting company along with the information provider are completely responsible for any mistakes made. The first step that you will need to take will be to write a detailed letter informing the reporting company what exactly is wrong or inaccurate. The next thing that you will need to do is wait for them to do their investigation. This should take place within thirty days of reporting the issue. If they believe that the issue is frivolous, the information will then be forwarded to the organization that provided the information. 2. There are many organizations that claim they will repair your credit for a fee. From your readings, should someone use a credit repair service? Why or why not? What are some actions these organizations can take that should be a red flag? 3. Have you, a family member...
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...------------------------------------------------- Course Syllabus FP/101 Foundations of Personal Finance Course Start Date: 08/13/12 Course End Date: 10/14/12 Please print a copy of this syllabus for handy reference. Whenever there is a question about what assignments are due, please remember this syllabus is considered the ruling document. Copyright Copyright ©2010, 2009 by University of Phoenix. All rights reserved. University of Phoenix© is a registered trademark of Apollo Group, Inc. in the United States and/or other countries. Microsoft©, Windows©, and Windows NT© are registered trademarks of Microsoft Corporation in the United States and/or other countries. All other company and product names are trademarks or registered trademarks of their respective companies. Use of these marks is not intended to imply endorsement, sponsorship, or affiliation. Edited in accordance with University of Phoenix© editorial standards and practices. Facilitator Information Carol Ward, MBA, DBA cward123@email.phoenix.edu (University of Phoenix) ciward123@yahoo.com (Personal) (901) 270-9434 (Central Standard Time) Facilitator Availability Dr. Ward is available from 9 a.m.-9 p.m. Central Time on most days, but I attempt to reserve Sunday for my family. During the week, I am online most of the time during that 9 a.m.-9 p.m. time...
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...Take Home Project 1. BUSINESS FORMATION a. What form would be required to form a Limited Liability Company? Articles of Organization b. What form would be required to form a Corporation? Articles of Incorporation c. Does an attorney need to sign the organization documents for an LLC? No but it may be in the best interest for the organization d. Does an attorney need to sign the organization documents for a Corporation? No, but it may be in the best interest for the organization e. What are the filing fees associated with filing an LLC and a Corporation? $110 for both and the CL-1 is $25 f. Are there annual fees to be paid to the state for an LLC or Corporation? Both LLC and Corporation have to pay $10 fees g. Does a Corporation doing business in SC but formed in another state have to register with the State of South Carolina? Yes, they are required to register every location that their business resides in h. Does a General Partnership have to file anything with the Secretary of State? No. 2. BUSINESS LICENSES AND TAX REGISTRATION For this portion- I chose to run an S CORP for my liquor store which sells tobacco, wine, and liquor. My three employees are my cashier, stocker, and manager. a. In Charleston, all businesses are required to have an annual business license for each location. There is a five step process for obtaining this business license. First- Zoning Compliance. The city encourages every business to...
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... |FP/101 Version 4 | | |Foundations of Personal Finance | Copyright © 2011, 2010, 2009 by University of Phoenix. All rights reserved. Course Description This course provides an overview of the elements necessary for effective personal financial planning 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 contained within the following two documents: • University policies: You must be logged into the student website to view this document. • Instructor policies: This document is posted in the Course Materials forum. University policies are subject to change. Be sure to read the policies at the beginning of each class. Policies may be slightly different depending on the modality in which you attend class. If you have recently changed modalities, read the policies governing your current class...
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...Phoenix Material Credit Protection and Identity Theft Directions Refer to: Building a Better Credit Report on the Federal Trade Commission’s site: www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm Identity Theft resource center on the Federal Trade Commission’s site: www.ftc.gov/bcp/edu/microsites/idtheft/consumers/deter.html. 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? Take time to collect all the information you'll need to prove your case, such as copies of canceled checks and creditor statements, and much more. The more the better. All paper work you can come up with is needed. Put everything in writing. I need to have proper document for everything. Contact the bureau whose report you believe is not accurate, give them all your info so that they can verify your information, if you’ve moved, give them your previous address if necessary. Write them as if you were writing a potential employer. Make sure to include what you are disuting, and write it out as clear as possible. Attach any documents, and have all transaction numbers and account numbers. Last but not least, don’t forget to sign the letter. 2. There are many organizations that claim they will repair your credit for a fee. From your readings, should someone use a credit repair service...
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...Material 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 reporting company, in writing, what information you think is inaccurate. Credit reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. 2. Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a credit reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again. If an investigation doesn’t resolve your dispute with the credit reporting company...
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...Assessment Worksheet Applying OWASP to a Web Security Assessment Course Name and Number: _____________________________________________________ Student Name: ________________________________________________________________ Instructor Name: ______________________________________________________________ Lab Due Date: ________________________________________________________________ Overview In this lab, you explored the Open Web Application Security Project (OWASP) Web site and reviewed its Web application test methodology. You studied the standards and guides published by this project and summarized your findings. Finally, you drafted a Web Application Test Plan based on the information you gained in your OWASP research. Lab Assessment Questions & Answers 1. Identify the four recognized business functions and each security practice of OpenSAMM. 1) Governance 2) Construction 3) Verification 4) Deployment 2. Identify and describe the four maturity levels for security practices in SAMM. 1) Implicit starting point representing the activities in the Practice being unfulfilled 2) Initial understanding and ad hoc provision of Security Practice 3) Increase efficiency and/or effectiveness of the Security Practice 4) Comprehensive mastery of the Security Practice at scale 3. What are some activities an organization could perform for the security practice of Threat Assessment? Threat Assessment involves accurately identifying and characterizing potential attacks...
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...FP/101 FOUNDATIONS OF PERSONAL FINANCE Start Date: 04/23/2012 Print COURSE DESCRIPTION This course provides an overview of the elements necessary for effective personal financial planning 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. WEEK 1 - TOPIC 1: PERSONAL FINANCIAL PLANNING Objectives List the five steps in the personal financial planning process. Summarize what influences personal financial planning. Identify parts of a financial plan. Materials READING: Read Ch. 1 of Personal finance - Personal Financial Planning in Action: Developing a Personal Financial Plan. SUPPLEMENT: Appendix A: How to Install Quick Time Movie Player SUPPLEMENT: Appendix B: Personal Financial Planning Worksheet WEB LINK: Decision to Own a Home vs. Rent Video SUPPLEMENT: Video Transcript - Decision to Own a Home vs. Rent Assessment Please see instructor's syllabus for details on assignments. Participation/Discussion Questions WEEK 2 - TOPIC 1: MONEY MANAGEMENT Objectives Describe how to organize and prepare personal financial statements. Identify cash management products and services. Complete a personal cash flow statement. Materials ...
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...G062 Similar but Different Answers – 2014-15 CONTENTS INTRODUCTION ............................................................................................................................... 3 Task 1 – RELATIONAL DATABASE .................................................................................................... 4 1ai – Import data..................................................................................................................... 4 1aii – Relationships ................................................................................................................. 6 1bi – Church form ................................................................................................................... 7 1bii – Campers form................................................................................................................ 8 1biii – Camper photographs ................................................................................................... 9 1biv – Church details on Camper form ................................................................................. 11 1ci – Booking form ................................................................................................................ 14 1cii – Booking form annotation ............................................................................................ 15 1di – Adult campers report ........................................................................................
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...UNIT 1 Answer Key CHAPTER 1 CHAPTER 1 Section 1 Prereading and Vocabulary 2 Reading Comprehension 3 1. 2. 3. 4. 5. 6. oligarchy citizen democracy constitution state two basic levels; certain decisions; only the federal government; each of the states Federalism is a system of government in which power is divided between a central government and several regional, or state, governments. 1. Population; the people who live within the boundaries of the state 2. Territory; land with known and recognized boundaries 3. Sovereignty; the supreme and absolute power within a state’s territory to decide its own foreign and domestic policies 4. Government; the institution through which society makes and enforces public policies 5. Force theory; the state was born of force, when one person or a small group gained control over people in an area and forced them to submit to that person’s or group’s rule. 6. Evolutionary theory; the state evolved from early families that united to form clans. Later, clans united to form tribes. As tribes settled into agricultural groups over time, they formed states. 7. Divine right theory; God created the state and gave a chosen few the right to rule. 8. Social contract theory; people voluntarily agreed to create a state and give to the government just enough power to promote the safety and well-being of all. Government exists to serve the will of the people, and the people are the sole source of political...
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...MAKING A CHOICE RESEARCH ASSIGNMENT Use the Internet as a resource to help you find answers to the questions on this worksheet. You may write your answers in the space provided below using YOUR OWN WORDS. 1. What is the meaning of the following terms (provide an example for each in your explanation): A) Equity Capital • A portion of the capital supplied by the sale of stock • Used to invest in the business • May be bought by institutional or private investors • E.g. Coke sells stocks on the TSX to investors. The money gained (Equity Capital) is then used to invest in business operations. B) Debt Financing • Businesses that raise money for working capital or capital expenditures by selling bonds, bills, or notes to individual and/or institutional investors • In return for lending money, temporary investors become creditors and receive a promise to repay principal and interest on the debt C) Business ‘Angel’ a person who invests privately in a start-up company (especially in exchange for equity in the company) EQUITY CAPITAL 2. Provide advantages and disadvantages for the following types of equity capital: PERSONAL CAPITAL FROM FAMILY |Advantages |Disadvantages | |Negotiations can be made more easily |Can put your own family...
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...Current Business Practices Audit Kimberly Johnson, Richard Siemienczuk, Karen Graham, and Chad Smestad MGT/360 December 3, 2012 Vicki Bauer Current Business Practices Audit The learning team conducted an audit of Riordan Manufacturing’s current business practices at its processing plants located in California, Georgia, Michigan, and China. The business sustainability worksheets used to complete the evaluation aided the team in locating common areas of non-sustainable practices relating to land, water, and air pollution. The three non-sustainable practices evaluated further are solid waste, and hazardous waste causing land pollution, hazardous waste causing water pollution, and gaseous waste causing air pollution. These areas are the most harmful to the immediate population, which includes the plant workers and the communities. Solid Waste and Hazardous Waste Causing Land Pollution One of the non-sustainable practices is adding to land pollution. Currently, off-spec materials are sent to the landfill (Apollo, 2012). In addition to this, scrap plastic managed as waste goes to the landfill (Apollo). The biggest problem is that plastic is not biodegradable. When plastic and off-spec products are sent to the landfill, breakdown occurs but at minimal rates and these take longer to biodegrade over time. To remain compliant with government regulations, Riordan Manufacturing is required to identify hazardous waste generated each month if it exceeds 2,200 pounds (Apollo...
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...Associate Level Material Appendix G Ethical Actions Worksheet Write a 100- to 150-word response to each of the following questions: • Was there anything in either the University of Phoenix Student Code of Conduct or the Student Code of Academic Integrity that surprised you? If so, what was it? Why were you surprised? If not, why not? I really didn’t find anything in the University of Phoenix Student Code Of Conduct that surprised me. All the information in the Code of conduct we find in everyday life. We apply it in the workplace and how we treat people on a daily. I did learn some things in the Student Code of Academic Integrity that surprised me. I was not aware that you could plagiarize your own work. I have always thought that plagiarism was taking someone else work and saying it’s yours. Student Code of Conduct is implemented to keep us safe and provide us with a safe environment for us to learn in. When we were all young our parents raised us with the value and respect on how to treat people. My parents always said treat others as you would want to be treated. I feel it’s the same aspect. • What did you learn about the behaviors considered important for an ethical learner or student in the University of Phoenix learning community? I have learned that we should never judge a book by its cover; everyone is different and has different views. We should be open minded and sensitive to others. It’s important that we respect others in their privacy...
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...the class action suit, John A. Campbell, alleged that the school board’s policy exceeded the authority granted to them, and therefore was unconstitutional. The New Milford attendance policies in question were outlined in detail in the student handbook, which was distributed annually: • Students, who were absent, sans administrative waiver, for more than twenty-four class periods in a yearlong course, did not receive credit for the course. • After the first unapproved absence, each additional unapproved absence resulted in a five-point reduction in the course grade, with the reduction limited...
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