When a potential borrower makes an application for a loan the lender will look at many different factors in order to make a decision to lend or not to lend.

As the lender studies the risk of the loan what department is reviewing information and what is the term for this process?

There is something called a LTV and ratios.  Explain the LTV and the ratios.  Are these meant to protect the lender or the borrower or both?  Explain.  Are they more important to borrower or lender?  If these ratios are ignored what are potential problems that may arise for  lender and/or borrower? 

Assignment Choice #2: Human Resources and Organizations

For this assignment, you will develop a PowerPoint presentation that provides a synopsis (in your own words) of the general themes learned about Human Resources Management and Development from the perspectives of:

1. the organization,
2. employees,
3. the HR practitioner, and
4. global HR implications. 

To effectively demonstrate your knowledge of the roles, functions, and competencies required in organizations, you must synthesize content from the reading assignments and module content. In general, the amount of content in this module can be summarized with 15 slides. Please support your observations and opinions with citations from 2-3 credible sources documented according to the CSU-Global Guide to Writing and APA Requirements.

PowerPoint Slides should follow some basic formatting guidelines:

1. Bulleted text should use the 7 X 5 rule: No more than 7 words per bullet, and no more than 5 bullets per slide.  This ensures the text can be seen from a distance (and keeps presenters from simply reading their slides.)
2. Whenever possible, include an applicable illustration along with text.  An example is utilizing a table that illustrates employment statistics or trends.
3. Use color intentionally: Simple is better.  The purpose is to summarize key points.  Don’t focus too much on bells and whistles, a lot of color, and animation.  While it’s fun to design with these tools, in the end, it takes away from your presentation.  Your audience will get lost in the “dazzle” and miss the content.

Write an analysis in a minimum of 1,050 words in which you include the following:

• Analyze and discuss the difference between express, implied, and apparent agency relationships.
• Describe when an agent may be liable for tort when acting on behalf of a principal.
• Describe when a principal may be liable for tort when an agent is acting on behalf of a principal.
• Identify and describe how an agency relationship is terminated.

Cite a minimum of 3 scholarly references.

A wealthy property owner Mr. Norman has executed a bilateral executory agreement to have his home sold by Century 22 also known as an exclusive right to sell listing agreement. The licensee salesperson is Ms. Smith and Ms. Smith’s employing broker at Century 22 is Mrs. Sorenstam. Mr. Norman travels constantly and during a rain storm when he is away Ms. Smith notices the roof leaking badly, Mr. Norman has no knowledge of this. The weather soon clears up and an offer is made by Mrs. Lopez, the offer is accepted and Mrs. Lopez moves in. Shortly thereafter a heavy rain storm occurs causing the roof to leak causing the floors to become slippery causingMrs. Lopez to fall suffering an injury causing loss of income pain and suffering and damage to art and rare antique furniture. Mrs. Lopez contacts the law firm formerly run by Johnny Cochran to bring a lawsuit. Because Mr. Norman is wealthy Mrs. Lopez’s lawyer targets him in the lawsuit. Can Mr. Norman be found liable?Why or why not, support your case

(This is for my Real Estate Principles Class)

Whether the system will be developed in-house, use package software, or be outsourced, a Request for Proposal (RFP) must be prepared to solicit quotes from vendors. The primary purpose is to communicate with vendors and rank software and hardware products from different candidates. A formal RFP must include system requirements and design features to support the IT system as well as research on technical criteria and options. These tasks are done in combination with the project manager, developers, and business analyst.

Once all RFP responses are received from selected vendors, proposals are evaluated and ranked. Having ranked the proposals, the next step is to present the best options to management in the feasibility report. Once the vendor approval is obtained, the business analyst and project manager will meet with the winning vendor and begin contract negotiations and license agreements. The following RFP samples will give you an idea how these are prepared.

• Sample Request for proposal Template
• Request for Proposal
  

The following documents have examples for RFP for a phone system and a website. Since each student’s assignment is different, you can use the sections to fill in the specifics for your project. All RFP templates are very similar, but on the Internet, these RFPs are already filled out by real companies. To prepare the RFP, you need to consider the main sections and fill in your information not in long detail but enough to make the assignment understandable and substantial for a vendor to read.

• Website RFP Sample Template
• SME Toolkit

References

Priority Integrated Marketing. (2012). Sample Request for proposal Template. Retrieved from http://www.netdynasty.com/articles/request-for-pro…

World Community Grid. (2010). Request for Proposal. Retrieved from http://www.worldcommunitygrid.org/bg/rfp.pdf

Website RFP Sample Template – http://www.entrepreneur.com/formnet/form/1173

SME Toolkit. (2013). Sample Request for Proposals. Retrieved from http://www.smetoolkit.org/smetoolkit/en/content/en…