Dynamics of Mortgage Loan: Based on Client Needs Calculate the LTV for this home if they were to use a conventional mortgage and explain the significance of your findings. Loan-to- Mortgage ratio=Loan needed/Value of the property. The total value of home =$289 000 Down payment available(Deposit)=289 000-57000 =$232 000(Loan Value) Therefore, Loan to Mortgage Ration=232 000/289 000 = 80.28% The loan is needed to finance 80.28% value of the house to be bought because the available deposit can only finance 19.72% of the total value.   Compare the mortgage options and recommend a mortgage option that would fit Henri and Lila’s needs based on the scant information you have. There exist two financing options when a client needs to purchase a home, either through cash, loan financing, or a partial mix of the two. Coming up with the best mortgage type is a big tide for the most home buyer, especially when the mortgage is to spread over a long time hence a need to factor in all criteria to make sure the best decision is made. When looking for…

The Neolithic The first agricultural revolution, or commonly known as the Neolithic Revolution, marked the beginning of an extensive scale migration of humans from hunting and gathering to that of settlement and agriculture. Human beings began evolving and behaving differently than in the past. Rather than depending on food gathering, humans began developing new technologies to produce food. About 10,000BC, humans began forming agricultural villages. According to Freeman (2019), these villages revolutionized the social sphere of the people in the past, causing them to depart from the former systems and ways of life. The new farming technology allowed people to live in concentrated and more permanent residence. Not everyone had to spend their whole time devoted to food production. The society was opening up for more responsibilities that needed more people to engage in. The food produced was distributed among members, and the rest went to the farmers. Further, the new technological systems of farming allowed people to live together as a community. The communities became reproductive not only in agriculture but also in arts and creativity. Through technology, people…

Industrialization and the Use of Coal Energy Since the industrial revolution, coal a fossil fuel, has been a reliable source of energy. In Canada. Although other forms of energy have surpassed coal, it remains prominent in the metal industry and energy production (Wylie, 1990). Besides, a breakthrough in particular technologies and the ecological concerns associated with energy use have accelerated the need for sustainable energy production (Sadorsky, 2014). Thus, the foundation of the environmental movements associating the coal industry with ecosystem disruption, climate change, and the subsequent health effects. Therefore, to reduce the harmful emissions associated with coal energy, the Canadian government has signalled its intention to phase out the traditional coal-dependent electricity (Quigley, 2016). Although fossils fuel such as coal is predominantly associated with environmental pollution, transiting to lower carbon energy needs to cater for subsequent industrialization while protecting the environment while moving towards sustainability. The concept of industrialization. Usually, the process of energy development relies on specific driving forces. First, the expansion of human civilization accelerating energy demands (Zou et al., 2016). During ancient times, the readily available…

“When studying the role of money in the economy, economists usually use a slightly different version of the quantity equation that the one just introduced.” (Mankiw 108) Citation Mankiw, N. Gregory. Macroeconomics. Macmillan International Higher Education, 2019. 108. APA: According to Mankiw (2019), “When studying the role of money in the economy, economists usually use a slightly different version of the quantity equation that the one just introduced.” (p. 108) Reference Mankiw, N. G. (2019). Macroeconomics (p. 108). Macmillan International Higher Education.     Question 2: Some scientists claim we have 20 years to save the world while others claim we have 12 years, but conclusively, they all mean we have limited time to salvage our planet by addressing environmental protection issues. Global climate conferences are held to evaluate the future of the world in the face of global warming. Reports on climate change suggest that carbon dioxide emissions should be reduced by 45 percent by 2030, an aspect that is yet to be achieved. Earlier, top environmental scientists claimed that 2020 was the deadline for corrections on environmental pollution. Therefore, it…

Slavery and the Economy in America Slavery is still a hot topic in the American public domain. In the 18th century and 19th century, slavery was a common practice in America, where blacks were considered as nothing more than just properties of white Americans (Ford 1). In the southern states, one-third of the population was made of slaves. American towns and cities, such as Savannah, New Orleans, Charleston, Mobile, Philadelphia, and New York, had a vast number of slaves. Most enslaved Africans worked in agricultural plantations and, in particular, in cotton and rice plantations. Besides, African Americans worked as maids, sewists, waiters, butlers, and launderers. Some of them worked as blacksmith, weavers, millers, coopers, stonemasons, spinners, carpenters, drivers, and stable boys. These enslaved Africans provided labor to their masters at an exchange of food and shelter. In this way, slave masters benefited and defended slavery at all costs. This essay paper reviews the economic reasons why people and, in particular, slave owners defended or justified slavery despite its horrible impact on enslaved Africans. Pro-slavery whites and, in particular, those from…

My question: Why Maathai only encourage poor women? How about the poor males? Wangari Maathai chose to involve women in establishing tree-nurseries and tree planting initiatives since a majority of them were “poor and illiterate” with no formal jobs; hence it employed them (Knopf, 2006, p.135). Moreover, she observed that most conservation programs started in different parts of Kenya were failing due to lack of “local people who are committed to the process and were willing to work with their communities” (p.132). Therefore, women who were mostly farmers embraced her initiatives more than men. For instance, after acquiring a donkey to help women fetch water in Isinya to water trees, the local community members mostly men chose to use the donkey for other tasks since their culture regarded water-fetching as a role of women. Big question: What would you do to preserve the nature? In my opinion, I will use both Maathai and Leopold’s approaches. Based on Leopold’s approach, I will carry out conservation sensitization through education in schools as well as creating public awareness to various communities on the…

Supply chain management in the military Abstract The aim of this paper is to address the usefulness of Supply Chain Operations Reference (SCOR) in the DOD combined joint military supply to be both more efficient and effective. Joint chain supply faces potential risks such as broken communication, which hinders optimum performance. The supply chain could also face the challenges of incompetent leadership, poor planning, unforeseen calamities, lack of training, and other issues that may interfere with end to end delivery of supplies. SCOR advocates for an end to end communication between all the stakeholders of the supply chain. Therefore, the paper will examine how SCOR can improve and enhance communication in the supply chain to eliminate all barriers and streamline the supply chain. Introduction Supply Chain Operations Reference (SCOR) addresses, improves, and enhances communication between the involved parties in the supply chain management in an organization. It streamlines the decision making processes by communicating decisions between the company, vendors, and end-users. Normally, it has three components, which are: analysis of the best practices, reengineering of the business process, and standardization…

Practical managerial skills and knowledge In the current competitive manufacturing industry, every company must employ strategies that will earn a competitive advantage in the market. The approach should help the company raise not only the revenue levels but also reduce production and overhead costs. For the case of Durango manufacturing company, the achievement of a 10% revenue increment within five years requires sound approaches that will improve efficiency, ensure continuous production, lower production costs, and that will eliminate production bottlenecks. This is because; the current opportunities in the market come along with more significant threats. To navigate the industry well, the management requires specific specialized skills and abilities that can steer production to the next levels. Such skills and skills are discussed below. Practical managerial skills and knowledge Managerial skills refer to unique attributes or abilities that an executive member of an organization should possess to fulfill specific tasks in the organization. Since the managers are involved in numerous activities such as planning, and decision making, they require skills and knowledge to boost the performance of the company and to…

A MANAGEMENT REPORT ON HSBC Executive Background This management report starts with an executive summary of an international bank known as the Hong Kong and Shanghai Banking Corporation. The name of this Bank is linked to the founder company, The Hong Kong and Shanghai Banking Corporation Limited. This company’s headquarters are in London, United Kingdom. It was established as a local bank in the year 1865, and it was supposed to fulfill international objectives such as to facilitate the growing trade in the various regions of Europe, India, and China. Thomas Sutherland, a Scottish citizen, was one of the key proponents of the idea of founding the Bank (Koller, 2007). He attributed this to the increasing need for banking organizations in the region. After its establishment, HSBC bank sought to expand its customer base and the services it provided to its customers by opening more branches in different regions. Eventually, the Bank established itself as a massive undertaking operating in both local as well as international markets. By the end of the 19th century, HSBC had already developed into an…

Racism and Police Brutality Introduction Over the years, both issues concerning racism and police brutality remain to be the greatest issues that remain unsolved in the US. Police brutality is misconduct performed by police officers, which involves violating the rights of minority groups by threatening and use of unlawful powers to them. As the years pass by, police misconduct has taken root in many countries in the world, including countries where it is prosecuted. Racism, on the other hand, is described as a belief system that justifies racial and ethnic inequality among human beings. Racism is a behavior that aims to deny members of a particular group of civil rights in accessing the societal benefits. African Americans and other minority communities are being subjected to the two forms of scenario. Both police brutality and racism have continued to pose a threat to public safety, raising several rhetorical questions whether the police will be able to bring Americans together? The paper aims to research the levels by which racism has spread and how the police have abused their powers stipulated in…

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