Overall Basis :: essays research papers

On an overall basis, total assets increased from a projected balance of $115MM on January 1, 2002 to $159MM on December 31, 2002. The investment securities portfolio is anticipated to be $19MM as of December 31, 2002. Projected loan volume increase during 2002 is from $92MM to $127MM. Cash and Cash Equivalents Due From Banks – With the loan portfolio increasing by nearly $35MM and total deposits projected to increase by $27MM, a larger cash letter is anticipated. Due From Banks – Int Bearing – These funds are primarily FHLB deposits. The budget reflects a decrease in the balance by $100M per month during the entire year. The decrease is due to servicing interest on the advances netted against security interest payments. Fed Funds Sold – Plug. Pending Loan Disbursements – With the increase in loan production for 2002, the % of PLD to total cash and cash equivalents is anticipated to double from 14% at 1/1/02 to 28% at 12/31/02. Investment Securities With the exception of Equity Securities, each security type retains its pro rata share of the entire portfolio at both the beginning of the year and at year end. No assumptions are made for called securities. Each security type reflects the maturing schedule as provided by HFW. Securities are added to the portfolio randomly. Equity Securities are increased when a new FHLB advance is added. Loans Commercial Loans – The total C/L portfolio reflects new loan volume of $23.5 million during 2002. This growth is reduced by an anticipated prepayment rate of 21.28%. Consumer/H.E. Loans – Growth in this area parallels the growth in total assets (39.13%). Mortgage Loans – The total M/L portfolio reflects new loan volume of $42MM during 2002. Again, this growth is reduced by an anticipated prepayment rate of 21.28%. Mortgage Loan Pools – One new pool ($300,000 per pool) is added to the portfolio from April through December. In addition, the prepayment rate of 21.28% applies. Other Loans and Overdrafts – Growth in this category parallels the growth in total assets (39.13%). Reserve for Loan Losses – Computed at 1.5% of Gross Loans. Fixed Assets & Other Assets Bank Premises & Equipment – Monthly activity reflects a $40,000 increase reflecting beginning of year purchases. Subsequent purchases are slated in April, June, September, and December at $10,000 for each quarter. Monthly depreciation is estimated at approximately $15,000 per month. ORE – Other Real Estate is calculated at 2% of net loans. Interest Earned not Collected – The monthly balance is a percentage of gross loans.

Crimes Essay

Crime prevention is a major responsibility of law enforcement organizations. It is necessary to promote and maintain peace and order to the community by executing measures that lessens or diminishes crime rates as impacted by lawbreakers in society. Several solutions bring about the decrease in crime rates in the community. These solutions do not only depend on the roles and responsibilities expected to be carried out by law enforcement agencies, but also require cooperation from the people in communities and the government. Crime prevention should be a group effort because the will to prevent crime is everyone’s concern. With this in mind, one possible solution for crime prevention is motivating the community to be vigilant and cooperative in responding to criminal offenses. Law enforcement agencies cannot prevent crime without the help of other members of the community. In this case, the roles of victims, witnesses, and whistleblowers are magnified. When victims, witnesses, and whistleblowers experience criminal offenses of any gravity or kind, they should report it to the police. This catches the attention of law enforcement agencies allowing them to respond to the situation in a timely and apposite manner. Aside from experiencing criminal offenses, people should be able to inform the police of concerns regarding potential offenses observed in the community. Staying one step ahead is better, and by informing the police of concerns or observations, law enforcement agencies are able to plan ahead to prevent crimes from happening. Another way to prevent crime is by being cautious or vigilant about oneself and his surroundings. People should take safety measures in order to protect themselves, their property, and other people from the harmful nature of offenses. This includes following tips on safety precautions as advised by the state, law enforcement agencies, and concerned citizens or private organizations (HCSO, 2008). Engaging in a joint effort by the neighborhood, such as the establishment of neighborhood watch groups, is also one possible way to reduce or eliminate crime. Crime prevention does not only necessitate cooperating with the police, but also with other members of the community. Neighborhood watch groups are composed of people from a neighborhood who are concerned with the community’s safety and are willing to provide assistance to law enforcement agencies for crime prevention. Through collaboration and teamwork, people in the neighborhood are able to counter crime by evaluating their neighborhood and determining what steps to take in order to increase peace and order in their area. (Solutions for America, 2003) Technology and innovation also play a major part in reducing or eliminating crimes committed by offenders in the community. Law enforcement agencies use information technology in order to prevent crime and capture offenders. Crime rates, data sheets, and other background information about crimes, criminals, usual victims, and environments where crimes take place, etc. re stored electronically in a database managed and maintained by law enforcement agencies. Through this system or database, law enforcement agencies are able to share or view this information whenever needed for reference when it comes to predicting criminals patterns of potential risks that may cause the rise in crime rate in a particular situation. (SCRA, 2008) Continuous research and innovative techniques are being employed by private organizations in order to improve technologies that are being used by law enforcement agencies. For instance, the National Law Enforcement and Corrections Technology Center or NLECTC is active in research and experimentation in order to improve the quality, features, and functions of law enforcement technologies, making them more suited for crime prevention and criminal capture. Since technology demands high fees, it is the role of the state or federal government to allocate funds for this cause because technological advancement improves the performance of law enforcement agencies. Using technology automates law enforcement work, making it more efficient and timely in crime prevention. SCRA, 2008) Some of the gadgets that law enforcement use that assists in reducing or eliminating crimes committed by offenders include lightweight body armors, drug-recognition tools (through pupil scanning), cars (such as the Lotus Exige S which increases road safety for police officers especially when in pursuit), gunshot location technologies (computer that supervises specific areas to detect gun shots), video intelligence softwares for computers (may be used in houses, business companies, etc. or surveillance purposes), LED Incapacitator (it is a flashlight which emits LED light that restrains individuals when they look directly at it), and armed robots (apparently, some robots are utilized by law enforcement agencies by arming it with taser guns. (Gizmag, 2008) Focusing on rehabilitating crime offenders is also a plausible way in preventing criminal offenses. Restorative Jus tice is one way of rehabilitating criminals in order to reintegrate them back into society. It includes motivating jailed offenders to contribute to the community as a form of penalty. Restorative Justice also focuses on restoring damages to the victim and the community as a result of criminal actions taken by offenders. As a way to pay for crime offenses committed by offenders, they should be able to take necessary actions to patch up the relationship between the victim and the community to the offender. Through the penalties imposed to criminals, they are able to learn how to become responsible and cooperative citizens who area belt to make the right decisions. Moreover, restorative justice eliminates recidivism because it provides offenders the chance to correct their mistakes and become a valuable and accountable part of society.

Qualitative Method Of Face With A New Pasta Dish Essay

1.1) Qualitative Method of Face to Face Interviewing: For this case, James has decided to implement Face to Face interview procedure, which is the best strategy for talking to customers directly. As the current condition to introduce a new pasta dish demands more of qualitative or perception based information rather than quantitative information. Qualitative method can derives appropriate information required for the situation, hence it is recommended to James to make the most of it. Subjective approach helps examiner to make conversations keeping up synchronization with the respondents to get more possible information required for the examination, easy going open minded talks give rise to more engagement by examiner to know the reasons for their opinions while interview is going on. Steps to implement the interview are: Clearly analyse the objective of the research according to the requirements of Pablo, as he wants to introduce a new Pasta dish. Exactly set up the survey with sensible questions which can clearly make respondents to give out their views on the new dish which could be wise enough to make a decision. Topic is to be cleverly introduced and progressed further digging deep step by step with a logical flow. Ask questions related to their perceptions towards the style of Pasta they are going to introduce and probe them simultaneously to know the reasons behind each and every opinion of them. Plan for the sample of customers to be interviewed carefully, byShow MoreRelated603 Business Research Methods A. Question1 Essay2086 Words   |  9 Pages 603 business research methods A Question1. Business research is a field of practical study in which a company obtains data and analyze it in order to better manage the company. It can include finical data, consumer feedback, product research and competitive analysis. There are some of the research data techniques such as primary and secondary data. Primary data divided in two part quantitative and qualitative in which quantities has three different subdivision: surveyRead MoreA Handbook of Human Resource Management Practice3153 Words   |  13 PagesBusiness Research Methods Assignment 1 Submission date: 16/05/2015 Submitted By: Rajinder Singh Student Id: 1502A487 Answer no . (1.1) In this scenario, owner of an Italian restaurant wants to introduce a new pasta dish. James, a business research executive hired by the restaurant owner Pablo has to conduct a research with the customers to find out reaction about the dish. James has proposed a face to face interview technique to Pablo for this research work. Face to face interview is a oneRead MorePizza Hut Marketing Strategy7194 Words   |  29 PagesOF PIZZA HUT About Pizza, Some will tell you Italy. Thats wrong. What you know as pizza came into vogue around the time of Napoleon and the French revolution. Italians, known to be lovers of fine food and wines perfected and imported this terrific dish to America. From here it quickly endeared itself to mass production and re-export to the rest of the world. Bon appetite! In 1958, Frank and Dan Carney had an idea for a great local pizza restaurant in Wichita Kansas. The small 25 seat restaurant onlyRead MoreManagement Course: Mba−10 General Management215330 Words   |  862 Pagespublication by the instructor of this course. The instructor is solely responsible for the editorial content of such materials. 111 MANGGEN ISBN: 0−390−58539−4 Management Contents Feigenbaum−Feigenbaum †¢ The Power of Management Capital 1. New Management for Business Growth in a Demanding Economy 1 1 Text Jones−George †¢ Contemporary Management, Fourth Edition I. Management 17 17 2. The Evolution of Management Thought Hughes−Ginnett−Curphy †¢ Leadership, Fifth Edition I. LeadershipRead MoreBrand Building Blocks96400 Words   |  386 Pagesall industries from computers to cars to frozen dinners to airlines to soft drinks, price competition is at center stage, driven by the power of strong retailers, value-sensitive customers, reduced category growth, and overcapacity (often caused by new entrants and by old competitors hanging on, sometimes via bankruptcy). Retailers have become stronger year by year, and they have used that strength to put pressure on prices. Whereas a decade ago, the manufacturer largely controlled information, retailersRead MoreStrategic Marketing Management337596 Words   |  1351 PagesProfessor of Business Administration The Business School Loughborough University and Colin Gilligan Professor of Marketing Sheffield Hallam University and Visiting Professor, Northumbria University AMSTERDAM †¢ BOSTON †¢ HEIDELBERG †¢ LONDON †¢ NEW YORK †¢ OXFORD PARIS †¢ SAN DIEGO †¢ SAN FRANCISCO †¢ SINGAPORE †¢ SYDNEY †¢ TOKYO Elsevier Butterworth-Heinemann Linacre House, Jordan Hill, Oxford OX2 8DP 200 Wheeler Road, Burlington, MA 01803 First published 1992 Second edition 1997 Reprinted 1998