Free Essay

Freddie

In: English and Literature

Submitted By vivek261088
Words 570
Pages 3
One of the things I liked about the course was the experiential learning. I was able to apply my new knowledge to my project, changing to a Common Review Date, and to my everyday work. For example, even if I wasn’t the person involved in a project at work, I was able to identify that Business Intelligence tools were being used. This provided me with a new awareness of how co-workers go about doing their jobs and how decisions are made. It’s encouraged me to wonder about what else is available to help us do our jobs better and more efficiently. In addition, no one was looking at the cost savings side of the conversion to a Common Review Date. Once I started using the Excel tool and thinking about things differently I was able to show these cost savings. Probably my favorite tool is the Canvas used to brainstorm ideas. It assisted with getting all thoughts down in a logical format and it was easy to use and allowed for revision. I will use this often for many different projects. Plus, it just looks so cool when it’s all completed. I also really like making Rocket Pitches on VoiceThread. I’d never used anything where I could add voice, and I see that video is also possible, so this was an exciting new tool. In addition, the book Business Model Generation, which was required for the course, was a great resource, easy to read and very applicable to the subject matter. (Osterwalder & Pigneur, 2010) While meeting on-line with Go-to-Meeting was a great feature I can see where this may not be possible for some students depending upon the type of position they are in and the hours they work. I was able to put this meeting on my calendar and only had one date where there was a conflict and I thought I was going to miss the meeting. Fortunately for me the work meeting was cancelled. If the meetings are taped that helps, but participation is what makes it interactive and that is what I liked about it. Even though on-line written discussions are fine, they aren’t as interactive as meeting in a format like this. You get a sense of knowing the other students this way. I do recommend that the first time you use this in the next class that you tell everyone how to mute their phones and how to send messages. I didn’t see that I could send a message until around the 6th week when Devon Cancilla remarked on how nice Cheryl Ayres ePortfiolo was during one of the meetings. After that I used it to comment on her ePortfolio and as a result she and I got together one evening so she could provide me with some help. I also privately mentioned to Devin Neves that he could purchase the Perrla program to help with the APA format of papers and to ask Kathleen Ives about something she’d said about grading papers and recommendations for the format. I wish I’d known about it sooner. I spent a lot of time on this course, possibly more than other MBA courses, but I was never asked to track my time so I’m unsure. I had to spend more time some weeks than others and often it was time spent learning to use the tools, like the canvas, the spreadsheet,

Similar Documents

Free Essay

Fannie Mae Freddie Mac

...Fannie Mae and Freddie Mac are two major mortgage lending companies in the United States. Both these large scale companies have lent out about $5.3 trillion dollars in mortgages. The companies lend other banks and financial institutions money so that the other banks can make new loans to businesses, potential homeowners, and other people looking to borrow money. By lending out all of this new money to other financial institutions the companies are potentially helping increase the economy. Freddie Mac lent out a plethora of money to major financial institutions that were risky institutions to trust to pay back. If a company knows that they are lending money out, and they know that they may never see the money again, it is considered to be very risky. This set’s mortgage lending companies up for disaster. Being an accounting student I have learned that as an auditor you must possess the trait of professional skepticism. Professional Skepticism is an attitude that an auditor must maintain, which includes having a questioning and critical mind when going through accounting records. The accounting methods that were used by both companies were not in any violation of the accounting rules, but from the view of an accountant with professional skepticism, they may have been considered unethical. Freddie Mac took the losses that they have incurred from lending money to financial institutions that were unable to pay back the money that they owed, and “pushed losses...

Words: 671 - Pages: 3

Free Essay

What Is the Information on Fannie and Freddie, and Why Is the Change Important to the Housing Market

...is the information on Fannie and Freddie, and why is the change important to the housing market First of all, to fully understand the importance of the two companies and their aid, you must thank them how to help the millions of people to become the owner. Fannie Mae and Freddie Mac do not lend money directly to individuals. Rather, they are meant to establish a regular flow of funds banks actual payment of housing loans. Buy lenders from mortgage lenders - commercial banks, savings institutions and credit unions - which in turn allows these institutions to make additional home loans. Fannie mae was established in 1938 during the administration of President franklin d. Roosevelt when millions of families can't afford to buy a home. Freddie MAC in 32 years later. In 2007, the two companies announced the total loss of less than $5.2 billion, according to a report to congress. Before that, they didn't released since 1982, the total losses. In order to prevent crushing blow the real estate market, the federal government rescued company. Fannie mae and Freddie MAC, the financial problem does not pose a risk, if you do not intend to sell your home quickly or you don't want to refinance. That's because you don't have to worry about mortgage rates. And does not affect your current mortgage, so you should continue to pay agreement. My concern is that we really do not know what the market will Fannie Mae and Freddie Mac did not do. We know that there...

Words: 336 - Pages: 2

Premium Essay

Freddie Grey

...jobs and for meager wages, and to never request or demand anything, including equal rights. Sadly, equal rights are something that we are still struggling with in present day. On April 12 in Baltimore, MD, Freddie Gray, a 25-year-old African American man, reportedly made eye contact with a police officer who was on bike patrol. Unsure as to why Freddie Gray decided to run from the police, but he was then chased by the officers, was finally stopped, and gave up without force, according to the police. Part of this interaction was recorded on a cellphone video and went viral, within hours, on social media. The police found a knife on Freddie Gray they described as illegal, but according to State Attorney Marilyn Mosby: “The knife was not a switchblade and is lawful under Maryland law.” When they arrived at the police station, a medic was reportedly called and Gray was taken to the hospital where he underwent double surgery on his spine. He remained in a coma for a week and on April 19, Freddie Gray was pronounced dead of a severed spine after suffering a spinal cord injury while in police custody. Several days later, city officials acknowledged that the police should have given Gray medical care instead of waiting more than forty minutes after his arrest. Protests began after Freddie Gray was pronounced dead. On April 20, Baltimore officials announced that the six police...

Words: 543 - Pages: 3

Free Essay

Freddy Mac and Fannie Mae

...Fannie Mae and Freddie Mac Fannie Mae and Freddie Mac are private corporations that were established by Congress and are referred to as government sponsored enterprises or GSEs. They are the largest “packagers” of individual mortgages into mortgage backed securities (MBS) which they guarantee against loss. We will be addressing the following threats to your financial institutions stability. Counterparty risk. Internal and external vulnerability and threats. Stemming the tide of losses from overly aggressive practices in lending continues to retard the marketplace and has yet to reach equilibrium. The use of macro measures is of critical importance in returning the company to profitability. \ The use of Macroeconomic Measures, Using Aggregate Data. These measures approach threats to financial stability from the top down: Is aggregate credit growing too fast? Are credit underwriting standards falling? Are asset prices too high relative to fundamentals? “In an internal boom-bust cycle, an initial market upswing entices new investors and rising prices until additional capital or investors’ nerves are exhausted.”(Evanoff, Kaufman, and Malliaris, 2012). “This process can be amplified by capital rules that encourage banks to increase leverage when the economy is expanding and loan losses are low.” (Hanson, Kashyap, and Stein, 2011). “In the ensuing bust, a credit crunch can occur as participants switch from lending too much to lending too little.” (Brunnermeier, 2009). A selling...

Words: 960 - Pages: 4

Free Essay

Bohemian Rhapsoy

...Queen and it’s written by Freddie Mercury who is the lead singer. The song consists of six sections: an intro, a ballade, a guitar solo, an opera, hard rock and an outro. The song changes a lot in its style, its tone and its tempo, which is very unusual for rock music. Therefore it’s one of the most known songs even today. After Freddie Mercury’s death in 1991 it became the number one on the charts for five weeks. The intro The song starts with a cappella harmonies and describes confusion between reality and fantasy. When the piano starts Freddie Mercury starts singing “easy come, easy go, little high, little low” which embraces the dreamy atmosphere. By the end of the intro the famous cross handed piano starts in the key of Bb. The ballade The lyrics starts with a guy who’s telling his mom that killed a man with a gun which he truly regrets and by doing so he’s ruined his life. He tells her to move on as if nothing really matters and perhaps he should take charge of his own life. When he mentions that it’s time for him to face to truth and he doesn’t want to die it’s almost as if someone else is going to be responsible for his life. He’s coming clean with the things he’s done in the past. In this section, where he confesses, the music has a kind of sad tune and we can feel how depressed he is. The piano still continues the same pattern throughout the first stanza but with some small changes. Disregarding the lyrics, one can easily hear Freddie Mercury’s voice getting...

Words: 921 - Pages: 4

Free Essay

C100 Task 2

...generation. A bunch of us were singing in a bar recently! It seems like even if you don't like the tune, you still know the words -- even the word "Scaramouche". Even though it was released in 1975, Queen's Freddie Mercury started working on the song in 1968. The original title was "The Cowboy Song" (Chester, 2015). He carried in his head and on a lot of scraps of paper. According to Brian May, no demo was recorded (Savage, 2015). He also said that as a rock band, it was exciting to go full tilt. Brian didn't write that riff -- Freddie wrote it on piano. In the early to mid '70s, Progressive Rock was reaching its zenith with bands like Yes and Genesis. Queen had already embraced progressive rock as one of their many influences. "Bohemian Rhapsody" parodies many different elements of opera by using bombastic choruses, sarcastic recitative and distorted Italian operatic phraseology("Bohemian Rhapsody,"Wikipedia). An embryonic version of this style had already been utilized in Mercury's earlier compositions "My Fairy King" (1973) and "The March Of The Black Queen" (1974). Queen started the recording process on August 24th, 1975 after three weeks of rehearsal. During the recording, the band used a total of five studios. Brian May, Freddie Mercury and Roger Taylor reportedly sang their vocal parts repeatedly for 10 to 12 hours a day. Some sections featured 180 separate overdubs and it took another three...

Words: 743 - Pages: 3

Premium Essay

Example of Financial Illusion in 2000s

...Example of Financial Illusion Introduction The emergence of an increasing number of ‘financial illusions’ in the current state of financial markets around the world casts doubts over the famous and widely accepted efficient market hypothesis. The efficient market hypothesis (EMH) indicates that, at any time, prices fully and instantaneously reflect all available relevant information on a particular stock or market (Fama, 1970). EMH also suggests that it is impossible to “beat the market” because stock market efficiency causes existing share prices to always incorporate and reflect all relevant information. Thus, according to the EMH, it is impossible for investors to either purchase undervalued stocks or sell stocks for inflated prices because stocks are always traded at their fair value on stock exchanges. Another reason is because no one has access to information that is not already available to everyone else. One important characteristic of the EMH is its assumption that agents are rational. Rational agents is agents which has a clear preferences, models uncertainty via expected values, and always chooses to perform the action that results in the optimal outcome from all the feasible actions. Their actions depend on their preferences, their information of the current situation; which may come from past experiences, the actions, duties and obligations available and the estimated or actual benefits that the agents can get after the actions. In reality, however, agents are...

Words: 4978 - Pages: 20

Premium Essay

Egypt

...cash flows and similar features are packaged into interest-bearing securities with marketable investment characteristics. Securitized assets have been created using diverse types of collateral, including home mortgages, commercial mortgages, mobile home loans, leases, and installment contracts on personal property. The most common securitized product is the mortgage-backed security (MBS). The following types of mortgage loans are most suitable for securitization. 406 M A N A GI N G T H E C R I S I S Conforming Residential Loans Conforming residential loans are single-family, performing (one-to-four family) mortgage loans that conform to Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac) guidelines and/or standards. In 1997, these agencies had more than $3 trillion of outstanding mortgage securities backed by conforming residential loans. Nonconforming Residential Loans Nonconforming residential loans are single-family, performing (one-to-four family) mortgage loans that do not conform to...

Words: 11105 - Pages: 45

Premium Essay

Dodd Frank

...Dodd-Frank Act and The Consumer Protection Agency. Finance 5000 Webster University Mr. Smith Patrick Overby Overby41@gmail.com/ 915-540-1267 Spring 2 2015 INTRODUCTION The Wall Street Reform and Consumer Protection Act or the Dodd-Frank Act was signed into law in 2010 due the financial collapse of the economy. It provided regulatory protection for the consumer and oversight on how banks issued loans. It provided a blueprint for how to approach to resolving the challenges that the financial markets can create. The framework of the law resembles The New Deal in the 1930s because of the Great Depression. The reforms implemented by the Dodd-Frank Act will have far-reaching effects on the financial system and our economy. The Dodd-Frank Act allows company stockholder to determine the type of compensation packages of that management receive. Businesses must create a committee to assess and decide the amount awarded to their leaders. There are myriad of viewpoints towards Dodd-Frank from the detractors and proponent of the law. Individuals who are against the law believe that it is inflexible and will hurt businesses. The supporters of the law understand that this will limit the power of the financial institution. Dodd-Frank Act In 2008, the country was going through one of the worst financial crisis in history that resembled the Great Depression of the 1930’s. It not only affected the U.S. but also threatened the total collapse of large financial institutions...

Words: 2743 - Pages: 11

Free Essay

World

...business field. For example, The American Institute of Public Accountants (AICPA) Code requires CPAs to place the interest of the public first. To place the interest of the public first means that CPAs should not place themselves, their client or their employer’s interest above the public. Many business dilemmas involve managers, CPAs, and/or top management who have placed their interest above the public’s interest. An example of an accounting and business dilemma where the public interest was not placed first is Fannie Mae accounting scandal in 2001. Fannie Mae is the Federal National Mortgage Association, a government supported entity that assist lower and middle income Americans to buy homes. The Federal Home Loan Mortgage Corporation (Freddie Mac) also assists lower and Middle Americans to buy homes. Both supported entities gain special treatment and “aimed to increase home ownership by decreasing the cost for homeowners to borrow money.” In order for the entities to decrease the cost for homeowners to borrow money they purchased home mortgages from banks. The home mortgages are then guaranteed and then sold to investors. The treatment of the mortgages helped minimize the credit and interest risk. Fannie Mae “makes money by buying, guaranteeing, and...

Words: 2129 - Pages: 9

Free Essay

Literature

...were Monsiuer Loisel,Will you give everything to your wife ? yes or no ? why ? ( If I were Monsiuer Loisel I will not give everything because im trying the best I can but my wife still not contended . B. If you were Awiyao , will you leave your wife for culture? or will you leave culture for your wife ? ( I will leave my culture for my wife because she is my happiness and she is my everything . C. If you were Lumnay will you fight for your love? Or will you let go of your husband for culture ? ( if I were Lumnay I will fight for my love because culture is just a way of life , love is for lifetime so if we love each other I will choose love. III-What message/s can you get from the following songs? Explain. Anak by Freddie Aguilar ( We should love and love our mother and father because they sacrificed for us for a long time and we should listen to them because they know what’s best for us. ( Make it happen By Mariah Carey ( We should be strong all time because we don’t know what future brings so believe in your self have faith In God. ( Heal the World by Michael Jackson ( We should love our environment take care of them so that we will have a better place ( IV-What Lessons In Life Have You learned from the following narratives: A.The Prodigal Son ( Enjoy life but know your limitations , don’t be greedy and listen to your father. B.The Necklace ( Be contended for what you have. C.The Cask of Ammontilado ( revenge can be...

Words: 425 - Pages: 2

Premium Essay

A New House-Risks and Benefits

...circulation which will lower interest rates. If the Federal Reserve Banks sell T-Bills currency is taken out of circulation which in turn raises interest rates. Private banks use these base interest rates to then determine the amount of interest to charge its customers when they wish to borrow money in the form of personal loans, construction loans, building loans, and mortgages. If interest rates are high, mortgage rates will also be higher. The higher the rates the less likely consumers will apply for a mortgage to purchase a new home. The Federal Reserve also purchases mortgage-backed securities to provide support to the mortgage and housing markets and to improve conditions in financial markets. These purchases allow entities such as Freddie Mac and Fannie Mae to provide more mortgages to consumers (Burek, 2010). The U.S. Department of Treasury controls the value of the dollar which impacts the economy through inflation. The Treasury can affect the housing market through the sale of Treasury Bonds, T-Bills and Notes. The interest paid on these affect the fixed-interest mortgage rates. The lower the yield, the interest paid on the notes, the lower the fixed-interest mortgage rates (Amadeo 2010). The lower the rates the more willing consumers will be to make larger purchases such as buying a home. Interest rates will affect mortgage rates, housing...

Words: 651 - Pages: 3

Free Essay

One Night with Blue Note

...One Night with Blue Note “One Night with Blue Note” directed by John Jopson is based on a jazz concert performed at The Town Hall in New York City on February 22, 1985. This film brings together some of the jazz legends associated with Blue Note over the years as well as some newly signed artists. The concert introduces more than 30 of the world’s most revered jazz musicians in the form of all-star bands and is considered by many to be one of the most important nights in jazz history. Some of the great jazz musicians we heard were Freddie Hubbard, Jackie McLean, Jimmy Smith, Woody Shaw, Walter Davis Jr., Michel Petrucciani Art Blakey, Stanley Turrentine, Joe Henderson, Grover Washington, Jr., and Tony Williams. My favorite artist in the film was Michel Petrucciani. He is not only a great talented pianist but an inspiration as well. Michel Petrucciani was born with osteogenesis imperfecta which is a genetic disease that causes brittle bones and short stature. He still became one of the most accomplished jazz pianists of his generation, despite having arms which caused him pain. I believe that he teaches us that anything is possible with hard work and dedication no matter how hard things may seem. Although I am not a big music fan, I feel this concert was worthwhile watching as well as listening too. At the end I am glad I watched this film because it allowed me to be more open minded to music and the different styles and forms. These people and countless more, and innumerable...

Words: 289 - Pages: 2

Free Essay

Effects of Organization, Sorority or Fraternity to the Teenagers

...Manuel S. Enverga University Foundation College of arts and sciences Eu1103a Love, courtship, marriage Submitted by: Karol Jossephine Issa Magalona Velasco Bs- Economics - II Crazy Little Thing Called Love Written by Freddie Mercury in 1979, Settings: Thailand Character and characteristics: Mario maurer – chon Pimchanok lerwisetpibol – nam Sudarat budtporm- inn (teacher) Perawatch Herabutya - Phol (Teacher) Pijitra Siriwerapan - Aorn (Teacher) Acharanat Ariyaritwikol - Top Khachamach Promsaka Na Skolnakorn - Pin Puttipong Promsaka Na Sakolnakorn - Chon's Father Plot/summary; The ordinary 14 year old girl Nam is unattractive or in simple terms...ugly. But she's always been secretly in love with an older guy in grade 10 called Chon, the most popular student in high-school. He's hot, perfect and generous, and that's what makes girls go crazy about him, including Nam too. But she doesn't give up easily. She tries to do everything to make her get noticed by the boy she loves, in the hope of him turning around to look at her just one more time Can you still remember your first love? A Little Thing Called Love, First Love or more popularly known as "Crazy Little Thing Called Love" is a romantic Thai movie that can surely make you fall in love again... A movie that can bring back the memories of your sweet first love. A movie that will claim a lot of your tears. A movie that can make you smile... and laugh! A movie about life, love, friendship, loyalty...

Words: 465 - Pages: 2

Premium Essay

Freddie Douglass

...Jessica D. Henderson Engl 1010/101/3 October 5, 2011 “Frederick Douglass Speech” During the Civil Rights Movement Frederick Douglass gave an passionate speech about the fourth of July. The purpose of Douglass speech were to applaud America for her accomplishments, to discuss his passion for black rights, and to prove that all Americans didn’t receive its blessings. Frederick Douglass mentioned in the beginning of the saying how proud he was of America. “I am glad, fellow-citizens, that your nation is so young. Seventy-six years, though a good old age for a man, is but a mere speck in the life of a nation. Three score years and ten is the allotted time for individual men; but nations number their years by thousands (Douglass 462).” Before he start expressing how he really felt, he still spoke about the good things that were existed and the blessings that were on the way. However, Douglass later on began to express how he really felt about this particular day. He felt that was need for him to celebrate, and that they gained something that he did not. Around this time in the speech this is when the hypocrisy began to show. Douglass quoted, “I am not included within the pale of this glorious anniversary! Your high independence only reveals the immeasurable distance between us. The blessings in which you, this day, rejoice, are not enjoyed in common.” (468) Douglass went on discussing more how he wasn’t included in America’s blessings. He felt that while they were...

Words: 740 - Pages: 3