...AUTHOR NAME SHAZILA ANDLEEB TITLE HOUSING FINANCE TABLE OF CONTENT ABSTRACT RELATED TO HOUSING INDUSTRY 3 INTRODUCTION 4 LITERATURE REVIEW 7 METHODOLOGY 11 VARIABLES DEPENDENT AND INDEPENDENT 13 DATA ANALYSIS 15 CONCLUSION 21 RECOMMENDATIONS 22 REFERENCES 22 ABSTRACT RELATED TO HOUSING INDUSTRY: PURPOSE: The purpose of this research paper is to examine analyzing and outlining the growth of the housing industry and its rights. The main purpose is to eliminate the problem related to the relevancy and application of housing complexities and its systems across the world. DESIGN OR METHODOLOGY: This paper is set out according to the principle instruments and the rights of development of housing regional and other related bodies. The analysis of the housing system is basically organized on the basis of housing system of development and channels and networks of legal and lawful means of professional concerns and their domains. FINDINGS: All across the world the rights for housing is being considered as a lawful and constitutional concerned nationally and internationally. The findings also suggest the significance of housing rights and the conceptual frame work of human rights effect the implementation. Professional epistemic community development of the housing shape the policies and procedures and laws. The paradiagm of housing foundation and rights are effectively translated into developed fashion of designing...
Words: 5980 - Pages: 24
...and be able to interpret financial reports. By understanding all components of bookkeeping and the financial documents, the board will be better able to design an accounting system for their cooperative, maintain accurate bookkeeping records, and make prudent business decisions based on the financial reports. Practice exercises are included that should be completed after the sections on the daily journal and the general ledger and a final exercise at the end of the guideline. June 1998 Price: domestic45.00; foreign-$5.50 ~~- Contents Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . The Accounting System ............................................... .l FinancialReporting ..................................................... The Balance Sheet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . The Income Statement ................................................ .2 Statement of Cash Flows. .............................................. .3 Accrual Accounting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Monthly Cash Flow Statement ........................................... .4...
Words: 8880 - Pages: 36
...Week 2 “Preparing Journal Entries & Trial Balances” ACC225 Exercise 2-4 Date Account Title PR Debit Credit Aug 1 Cash 101 $7,500 Photography Equipment 165 $35,500 H. Paris, Capital 301 $43,000 Insurance 114 $3,000 Aug 5 Office Supplies 240 $1,400 Aug 20 Photography Fees Earned 623 $2,650 Aug 31 Utilities 275 $875 Exercise 2-5 Debit Credit Cash $7,500 Office Supplies $1,400 Prepaid Insurance $3,000 Photography Equipment $35,500 H. Paris, Capital $43,000 Photography Fees Earned $35,500 Utilities $875 Problem 2-2A General Journal - S. Shelton Designs Date Account Title PR Debit Credit June 1 Cash 101 $105,000 Office Equipment 163 $6,000 Drafting Equipment 164 $45,000 S.Shelton, Capital 301 $156,000 June 2 Land 172 $54,000 Cash 101 $5,400 Notes Payable 250 $48,600 June 3 Building 170 $75,000 Cash 101 $75,000 June 4 Prepaid Insurance 108 $6,000 Cash 101 $6,000 June 7 Cash 101 $5,700 Engineering Fees Earned 402 $5,700 June 8 Drafting Equipment 164 $22,500 Cash 101 $10,500 Notes Payable 250 $12,000 June 11 Accounts Receivable 106 $12,000 Engineering Fees Earned 402 $12,000 June 12 Office Equipment 163 $2,250 Accounts Payable 201 $2,250 June 14 Accounts Receivable 106 $18,000 Engineering Fees Earned...
Words: 826 - Pages: 4
...BAO 1107 ACCOUNTING INFORMATION SYSTEMS TUTORIAL SOLUTIONS WEEK 3 CHAPTER 3 3. One often hears the statement: ‘Debits are bad and credits are good for the business.’ Do you agree? Why or why not? This statement is nonsense. The debits and credits are merely double-entry rules for recording transactions and events. Even though expenses may be “debit”, so too are assets. “Debit” implies neither good or bad. Likewise for credits, which can be revenues or liabilities or equity. |Exercise 3.4 | |Normal balance and classification in financial statements | | | | | | | | | LIGHTFOOT DISTRIBUTION SERVICES Required: Show whether the normal balance is a debit or a credit. Indicate whether the account would appear in the balance sheet/statement of financial position or in the income statement, and under what classification, e.g. liability, asset, equity, income or expense. |LIGHTFOOT DISTRIBUTION SERVICES | | |Item |Normal Balance |Statement | |1. |Telephone Expense | Debit |Income statement (expense) | |2. |Unearned Service...
Words: 977 - Pages: 4
...MUST affect 2 or more accounts to keep the basic accounting equation balance DEBIT = CREDIT for each transaction Chapter 2-3 Summary of Debit/Credit Rules Debits > Credits → Debit balance Credits > Debits → Credit balance Normal balance: the side to record increases Chapter 2-4 Steps in the Recording Process 1) Analysis of transaction → Analyze business documents which provide evidence of transactions (e.g. sales invoice, check, bill or cash register tape) 2) Journalizing 3) Posting Chapter 2-5 The Journal Also refer to “General Journal” Book of original entry Contributions: Record transactions in chronological order 1. Show complete effects of a transaction 2. Provide chronological record of transactions Chapter 2-6 Step 2 Journalizing: entering transactions in a journal 3. Help preventing or locating errors because debit and credit amounts can be easily compared Journalizing Oct. 1 Lynn Robbins begins business as a real estate agent with a cash investment of ¥200,000 in exchange for ordinary shares 2 Hires an administrative assistant. 3 Purchases office furniture for ¥19,000 on account. E2-4 Presented below is information related to Beijing Real Estate Agency. 6 Sells a house and lot for N. Fennig; bills N. Fennig ¥32,000 for realty services provided. 27 Pays ¥8,500 on balance related to transaction of Oct 3. E2-5 Instructions - Journalize the transactions for E2-4. Chapter 2-7 30 Pays the administrative assistant ¥25,000 salary...
Words: 963 - Pages: 4
...IMPACT OF HUMAN RESOURCE MANAGEMENT (HRM) PRACTICES ON EMPLOYEES RETENTION (A CASE STUDY OF EDUCATION AND BANKING SECTOR IN BAHAWALPUR) Muhammad Azhar Sheikh 1 Wusat-ul-Qamar 2 Fariha Iqbal 3 ____________________________________________________________ __________ Abstract: This research has been conducted to study the impact of HRM practices (career development opportunities, supervisor support, working environment, rewards and work-life policies) on employee retention in The Islamia University of Bahawalpur as well as the banks in Bahawalpur. The data collected through questionnaire from 101 respondents. The results show the positive relationship of above mentioned HRM practices with employee retention. Conclusions as well as directions for future research are discussed. INTRODUCTION EMPLOYEE RETENTION: During the last decade, the personnel/HRM field has shifted from a micro focus on individual HRM practices to a debate on how HRM as a more holistic management approach may contribute to the competitive advantage of the organizations. Three different perspectives have been used in recent researches on the relationship between HRM practices and organizational performance, organizational retention and organizational strategies. (Bjorkman and Pavlovskaya: 2000) A number of studies have found that managing turnover is a challenge for organizations, as different organizations using different approaches to retain employees (American Management Association, 2001).Employee...
Words: 3338 - Pages: 14
...Journal Article November 22, 2011 “Chlamydia trachomatis Infection Among Women Reporting Sexual Activity With Women Screened in Family Planning Clinics in the Pacific Northwest ,1997 to 2005” Devika Singh ,David Fine, and Jeanne Marrazzo Introduction In 1907 Chlamydia trachomatis was discovered by scientists, chylamydia is a bacterial infection that has been said to have plagued the world for hundreds of years prior to its discovery according to The University of Oregon. Chylamydia is the most common bacterial sexually transmitted infection (STI) in the United States, surpassing gonorrhea infection with an estimated 4 million to 5 million reported cases annually to the CDC. The purpose of this study was to describe the prevelance of and risk associated with Chlamydia infection among women aged 15 to 24 . Specifically those who reported engaging in same sex behavior and attended family planning clinics in the Pacific Northwest from 1997 to 2005. This study is of great significance because “according to the 2002 National Survey of Family Growth ,11% of US women aged to 44 years reported same-sex behavior in their lifetime”( Singh et al. 2011).[1] In the Perspective On Sexual and Reproductive Health Journal there was an article published “Gonorrhea and Chlamydia Infection among Women Visiting Family Planning Clinics: Racial Variation in Prevalence and Predictors” that examined the disproportional infection rate of black women vs. that of white...
Words: 1129 - Pages: 5
...PYC4802/101/0/2015 Tutorial letter 101/0/2015 Psychopathology PYC4802 Year module Department of Psychology IMPORTANT INFORMATION: This tutorial letter contains important information about your module. CONTENTS Page 1. INTRODUCTION ..................................................................................................... 3 1.1 Turorial material ....................................................................................................... 4 2. PURPOSE OF AND OUTCOMES FOR THE MODULE ......................................... 4 2.1 Purpose ................................................................................................................... 4 2.2 Outcomes ................................................................................................................ 4 3. LECTURER(S) AND CONTACT DETAILS ............................................................ 6 3.1 Lecturer(s) ............................................................................................................... 6 3.2 Department .............................................................................................................. 7 3.3 University ................................................................................................................. 7 4. MODULE-RELATED RESOURCES ....................................................................... 7 4.1 Prescribed book.....
Words: 20674 - Pages: 83
...Nursing 101 The Art and Science of Nursing Spring 2013 PRE-REQUISITES AND CO-REQUISITES: None COURSE CREDITS AND COURSE HOURS: 3 credits (3, 1, 2) GRADING SCALE: Refer to 2011/2012 CNC Calendar, p. 110 COURSE DESCRIPTION: This course introduces the beginning student to the dimensions of professional nursing practice. Through group and individual learning activities, students are introduced to concepts, professional nursing practice, issues & trends in nursing, and the Canadian health care system. This course establishes the foundation for your future nursing career. COURSE STRUCTURE: Classes are delivered using lecture, discussion, group work, and lab and clinical experiences. There is also an online component to the course. Please visit the Nursing 101 Moodle shell regularly for readings and submission of assignments. There are required readings assigned for each week and material from these readings will be applied during class activities. It is expected that students will have completed the required readings, as this will help facilitate each students’ active participation in the course and the achievement of learning outcomes. All required and supplemental readings are testable material. STUDENT REQUIREMENTS: PARTICIPATION IN ALL LAB AND CLINICAL SESSIONS IS MANDATORY. FAILURE TO ATTEND YOUR SCHEDULED SESSION WILL RESULT IN FAILURE OF NURSING 101. (See policy regarding illness in student handbook & CRNBC Fitness to Practice Requirements). You must...
Words: 5452 - Pages: 22
...Abstract a. 120 word overview of paper 2) Introduction a. Introduction to the topic of subprime mortgages and the housing market bubble. b. Timeline of the crisis and housing market bubble burst 3) Discussion Content a. Definitions and background information on the following topics: i. Mortgages ii. Housing Market iii. Subprime Mortgages 1. Demyanyk, Y., & Van Hemert, O. (2011). Understanding the Subprime Mortgage Crisis. Review of Financial Studies, 24(6), 1848-1880. 2. Karikari, J., Voicu, I., & Fang, I. (2011). FHA vs. Subprime Mortgage Originations: Is FHA the Answer to Subprime Lending?. Journal of Real Estate Finance and Economics, 43(4), 441-458. doi.10.1007/s11146-009-9218-7. iv. Housing Market Bubble Burst b. Overview and causes of the subprime mortgage crisis i. Fixed mortgage versus floating 1. Demyanyk, Y., & Van Hemert, O. (2011). Understanding the Subprime Mortgage Crisis. Review of Financial Studies, 24(6), 1848-1880. ii. High risk mortgage loans and lending/borrowing practices 1. Peterson, C.L. (2009). Fannie Mae, Freddie Mac, and the Home Mortgage Foreclosure Crisis. Loyola Journal of Public Interest Law, 101-149. 2. Razaki, K.& Koprowski, W. (2012). The Paucity of Fed Enforcement Actions Leading to the Subprime Mortgage Crisis. Journal of Finance & Accounting, 1190-108. iii. Mortgage fraud and predatory lending c. Fannie Mae and Freddy Mac- financial institutions link to the subprime mortgage crisis...
Words: 970 - Pages: 4
...MNM3025/101/3/2012 Tutorial Letter 101/3/2012 Marketing research MNM3025 Semester 1 & 2 Department of Marketing and Retail Management This tutorial letter contains important information about your module. Bar code MNM3025/101 CONTENTS 1. 2. 3. 4. 5. 6. 7. 8. 9. Introduction and welcome Purpose and outcomes of the module Lecturer and contact details Module related resources Student support services for the module Module specific study plan Assessments Examination Concluding remarks Page reference guide Assignments Additional reading list Appendix A. Appendix B. Appendix C. 1. INTRODUCTION AND WELCOME We are pleased to welcome you to this module in customer service and hope that you will find it both interesting and rewarding. We will do our best to make your study of this module successful. You will be well on your way to success if you start studying early in the semester and resolve to do the assignments properly. You will receive a number of tutorial letters during the semester. A tutorial letter is our way of communicating with you about teaching, learning and assessment. Tutorial Letter 101 – this tutorial letter – contains important information about the scheme of work, the assignments and guidelines for preparing and submitting the assignments for this module. Furthermore, the prescribed study material and other resources and how to obtain it are provided further on. We have also included general information about this module, as well as administrative...
Words: 7706 - Pages: 31
...ACTG 2010 Group Assignment Shabih Rizvi – 214218978 Nicole Triumbari- 214218978 | General Journal | Page 1 | Date | Particulars | P.R. | Debit | Credit | November 2016 | 4 | Dr. Accounts Receivable | 102 | 100.00 | | | | Cr. Teaching Revenue | 301 | | 100.00 | | | Earned the revenue for October class | | | | | | | | | | | 8 | Dr. Cash | 101 | 250.00 | | | | Cr. Accounts Receivable | 102 | | 250.00 | | | Collected $250 from Neighbourhood school | | | | | | | | | | | 10 | Dr. Cash | 101 | 625.00 | | | | Cr. Unearned Revenue | 201 | | 625.00 | | | Received $625 in advance in teaching classes | | | | | | | | | | | 15 | Dr. Accounts Payable | 202 | 50.00 | | | | Cr. Cash | 101 | | 50.00 | | | Pays phone bill worth $650 | | | | | | | | | | | 16 | Dr. Accounts Payable | 202 | 600.00 | | | | Cr. Cash | 101 | | 600.00 | | | Pays his brother for a website design $600 | | | | | | | | | | | 18 | Dr. Cash | 101 | 50.00 | | | | Cr. Unearned Revenue | 201 | | 50.00 | | | Received $50 for photography class | | | | ...
Words: 1507 - Pages: 7
...being repaired or converted into a salable product. Answer: False Difficulty: 2 Objective: 1 Reworked goods are unacceptable units of production that can be repaired into a salable product. 3. The value of scrap material can have either a high or low sales value relative to the product with which it is associated. Answer: False Difficulty: 2 Scrap material by definition has a low sales value. Objective: 1 4. Normal spoilage adds to the cost of the job to which it is attributed in a job order costing system. Answer: True Difficulty: 2 Objective: 2 5. When calculating normal spoilage rates, the base should be actual units started in production. Answer: False Difficulty: 2 The base should be good units started into production. Objective: 2 6. Abnormal spoilage is spoilage that should arise under efficient operating conditions. Answer: False Difficulty: 2 Objective: Abnormal spoilage should not arise under efficient operating conditions. 2 7. A company whose goal is zero defects would usually treat all spoilage as abnormal. Answer: True Difficulty: 2 Objective: 2 8. Counting spoiled units as part of output units in a process-costing system usually results in a higher cost per unit. Answer: False Difficulty: 3 Objective: Counting spoiled units usually results in a lower cost per unit. Chapter 18 Page 1 3 9. Costs in...
Words: 10015 - Pages: 41
...slips = 34,687-11,741 =22,946 Sample size determined in b = 75 Interval = Population sized Sample sized determined = 22,946 75 =305 Sample will be 11878, 12183, 12488, 12793, and 13908 23-24 1. Evaluate the details of the cash recipts journal entries with the details of the daily deposit slips. Lapping indicated a cover up of cash deficiency. 2. Arrange a bank transfer schedule. This way the auditor is able to verify the transactions. 3. Compare the details of the cash receipts journal entries with the details of the corresponding daily deposit slips. 4. Count the balance in petty cash at the year end and also examine invoices, receipts, and other supporting documents related with reimbursement of petty cash. 5. Prepare a bank transfer schedule. 6. Agree gross amount on payroll checks to approved hours and pay rates and examine payroll checks clearing after year-end with the payroll journal. 7. Obtain the cutoff statement and compare the cleared checks to the year-end reconciliation. 21-24 1. Verify the correct cost of inventory recorded in the inventory invoice. 2. Examine the last shipment records and sales invoice of succeeding year. 3. Perform tests for...
Words: 787 - Pages: 4
...Global Antitrust Review 2014 163 The Assessment of Selective Distribution Systems Post-Pierre Fabre CRISTIANA DE FAVERI This article develops an analysis of selective distribution systems, which considers their main characteristics, the traditional principles governing their discipline and the recent evolution of the jurisprudence of the European Courts. In the Pierre Fabre case, the Court seems to have changed its approach to the subject, as, analysing a ‘de facto’ ban on online sales, it passed from the traditional ‘effects’ analysis of these systems to their qualification as restrictions ‘by object unless objectively justified’. The legal result is unaltered as the usual criteria of competition analysis are still adopted, but new perspectives could have been potentially opened in their interpretation. Furthermore, the article also takes into account the Court’s assertion that ‘the aim of maintaining a prestigious image is not a legitimate aim for restricting competition’, which represents another aspect of the judgment in apparent contrast with the settled case law. In both instances, it presents possible explanations consistent with the tradition. Finally, it underlines the significance of the ruling in relation to the controversial topic of internet selling. I. Introduction The topic of selective distribution systems has been explored in many authoritative academic works.1 Yet, it is still important and highly debated, not only because 1 ...
Words: 15217 - Pages: 61
