purchase and payments

Introduction to Nigerian Business Law: Law of Agency and Hire-Purchase

ch.7 completing the residential purchase agreement

ch. 6 The Purchase Agreement Bundled Forms

PURCHASING PART 2

Chapter 1 Vocabulary Investment Any asset you put money into with the expectation that it will generate income or increase in value. ⸻ Portfolio A collection of different investments owned by an investor. ⸻ Return The reward earned from an investment through income and/or an increase in value. ⸻ Income Money earned from an investment, such as interest, dividends, or rent. ⸻ Capital Gain The increase in the value of an investment when it is sold for more than its purchase price. ⸻ Security A financial investment issued by a business, government, or organization that represents a financial claim. ⸻ Property A real asset that is generally less liquid than a security. ⸻ Real Property Land, buildings, and anything permanently attached to the land. ⸻ Tangible Personal Property Physical assets such as gold, artwork, antiques, jewelry, and collectibles. ⸻ Liquidity The ability to quickly buy or sell an investment without losing much of its value. ⸻ Direct Investment An investment in which the investor directly owns the asset. Example: Buying shares of stock yourself. ⸻ Indirect Investment An investment in which ownership is obtained through a professional investment manager. Example: Investing in a mutual fund. ⸻ Debt Security An investment in which the investor lends money and receives interest plus repayment of the loan. Example: Bonds. ⸻ Bond A debt security that pays interest and returns the principal at maturity. ⸻ Equity Security An investment that represents ownership in a business. Example: Common stock. ⸻ Common Stock A security that represents ownership in a corporation and may provide dividends and capital gains. ⸻ Preferred Stock A type of stock that pays fixed dividends but usually has no voting rights. ⸻ Derivative Security A financial security whose value comes from another underlying asset. ⸻ Option A derivative that gives the holder the right to buy or sell an asset at a specific price before a certain date. ⸻ Futures Contract A legally binding agreement to buy or sell an asset at a specified price on a future date. ⸻ Risk The uncertainty about the return an investment will earn. ⸻ Low-Risk Investment An investment with more predictable returns but generally lower average returns. ⸻ High-Risk Investment An investment with less predictable returns but higher potential returns. ⸻ Diversification Owning different types of investments to reduce overall investment risk. ⸻ Short-Term Investment An investment with a maturity of one year or less. ⸻ Long-Term Investment An investment with a maturity of more than one year. ⸻ Domestic Investment An investment issued by companies or governments within your own country. ⸻ Foreign Investment An investment issued by companies or governments outside your own country. ⸻ Financial Institution An organization that pools money from investors and makes loans or investments. Examples: * Banks * Insurance companies * Mutual funds ⸻ Financial Market A marketplace where buyers and sellers trade financial assets. Examples: * Stock market * Bond market ⸻ Individual Investor A person who manages and invests their own money. ⸻ Institutional Investor A professional organization that invests money on behalf of others. Examples: * Banks * Mutual funds * Pension funds * Hedge funds ⸻ Short-Term Investments Investments that mature in one year or less and have low risk. ⸻ Treasury Bill (T-Bill) A short-term U.S. government security sold at a discount and considered virtually risk-free. ⸻ Fixed-Income Security An investment that provides regular interest or dividend payments. Examples: * Bonds * Preferred stock ⸻ Mutual Fund A professionally managed investment that pools money from many investors to buy a diversified portfolio. ⸻ Exchange-Traded Fund (ETF) A diversified investment fund that trades on a stock exchange like a stock. ⸻ Hedge Fund A privately managed investment fund with higher minimum investments and greater risk than mutual funds. ⸻ Real Estate Land and buildings purchased as investments to earn rental income or increase in value. ⸻ Tangibles Physical investment assets other than real estate. Examples: * Gold * Silver * Artwork * Collectibles ⸻ Investment Horizon The length of time an investor expects to keep an investment before selling it. ⸻ Dividend A payment made by a corporation to its shareholders from company profits. ⸻ Capital Appreciation An increase in the value of an investment over time.

Option to Purchase Reversion and Abatement Clause

Common Verbs Purchasing

Malia Hire Purchase and Simple Interest

Louisiana Civ Pro

Partnership Louisiana Bar

Louisiana Civil Procedure Practice Flashcards

Risk Management Unit Why is Risk Analysis Important? Ans: Risk Analysis helps Customs identify high-risk persons, goods and transactions while allowing legitimate trade and travel to move efficiently through ports of entry. What is Risk Profiling ? Ans: Risk Profiling is the process of identifying characteristics commonly associated with non-compliance and enforcement violations. What is Passenger Risk Analysis? Ans: Passenger Risk Analysis examines travel history, behavior, declarations, and intelligence information to identify potentially high-risk travelers. What is the advantage of intelligence-led enforcement? Ans: It allows Customs to act proactively instead of reactively What is the main objective of the Risk Management Unit? Ans: To analyze, intercept, and respond to threats affecting Customs operations. Harbour Office According to Sec 75 of the C.M.A, what must the person in charge of A Means of Transport (vessel or aircraft) ensure. Ans: That the vessel or aircraft arrives only during daylight hours. What must be provided to Customs as proof that a vessel is authorized to operate charter services in The Bahamas Ans: A copy of the Charter License What is the name of the Customs form that is issued to the necessary authorities along with supporting documents when entering a vessel into the Customs territory. Ans: Inward Report of a Vessel C2 Which Customs document is issued, along with a C28 and C37, when a vessel is clearing outbound to a foreign port or destination. Ans: Certificate of Clearance C36 Name at least 5 marinas where harbour office Officers conduct the entry and clearance of private vessels. Nassau Harbour Club Marina Nassau Yacht Haven Marina Atlantis Marina Hurricane Hole Marina Palm Cay Marina Bay Street Marina Bayshore Marina Legendary Marina LPIA What is the difference between a private aircraft and commercial aircraft? Ans: A private aircraft is operated recreationally or no exchange of money and is not regularly scheduled. Ans: A commercial aircraft is operated for compensation/remuneration and is regularly scheduled. List 2 restricted goods and 2 prohibited goods Ans: Prohibited goods: Pornography, counterfeit money, food unfit for human consumption, underwater gun, spiritual items (other than Christianity) Ans: Restricted goods: Commercial items without a business licence, firecrackers, firearms I am a passenger travelling from Miami with items my brother ordered from Amazon along with items I was given for my birthday. I did not declare them on the Exempt App and I tell the Customs Officer I have nothing to declare because I did not purchase these items myself. Am I right or wrong and why? Ans: Wrong - We still have to declare items we bring into the country even if we are bringing them on behalf of others. We are responsible for the items once they are in our possession, even if we did not actually pay for them ourselves. Regular Scheduled Flights and Charted flights are cleared on which form? Ans: C7 Pleasure Aircrafts? Ans: C7A If a passenger is travelling with a dog, which documents would they need to give to the Customs Officer and which agency is the Customs Officer acting on behalf of ? Ans: A copy of the dog permit and a Veterinarian form on behalf of the Ministry of Agriculture. Information Tech What important number is generated from the submission of and IAR? Ans: The Rotation Number which is then attached to the manifest is generated by the submission of a IAR. What is the CDR in the Arrival Reports Module used for? Ans: The CDR which stands for Cargo Discharge Report, is done once all cargo have been off loaded for a particular port. Any container or pallet short shipments are recorded at the Actual Arrival Details tab along with the date and time of completion What are the four types of Cargo found in the Manifest Module as an option? Ans : The four types of cargo found in the manifest module are Containerized, Non- Containerized, Bulk and Vehicle/Heavy equipment, boat, boat trailer What are the three ways to requests any type of changes to a submitted manifest in Click2Clear? ANS: Request Amendment, Request Cancellation and Add B/L What is the processing fee charged for changes to a submitted Manifest? ANS: 25% of the value of the shipment What is the prefix for an approved Master Sea Manifest in Click2Clear? ANS: MSTRNO What is the purpose of the IAR in the arrival report module? ANS: The Impending arrival report serves 2 purposes - It is used as a scheduling option for Arawak Cay Port Development and it also gens the Rotation Number to create a manifest. Examinations Before commencing the examination, the importer must present the examination officer with some required docs. List 2 of the docs. ANS: A copy of the bill of lading, a copy of the road tax, invoices If an importer is bringing in fruits and veggies into the country they are required to upload a copy of ANS: an agricultural permit from the Department of Agriculture. The invoices given to the examination officer must correspond with the invoices uploaded on the click2clear system ANS : TRUE What is the name of the two customs forms the importer must apply to the Comptroller of Customs to have the container removed from the port to their desired location ANS: Attendance Request C1 & Direct Delivery When the container arrives in the country, it is sealed by the Dock Officer once it comnes off the boat ANS: TRUE SCANNER UNIT What is the role of the scanner unit? ANSWS: The scanner unit enhances security and efficiency through modern tech & The scanner unit detects illegal goods and facilitates trade Which type of scanner is used ANS: Mobile scanner How do you identify high-risk cargo? ANS: Profiling, Intelligence reports, and random checks to spot suspicious shipments What are frequently smuggled items? ANS: Illegal Drugs, firearms and ammo, cigarettes and tobacco products, cash and prescription meds What type of tech is used ANS: Backscatter technology

Ch.3 WHAT THE PURCHASER BUYS: ESTATES AND INTERESTS IN LAND

Persons Louisian

Merchant Banking, Leasing and Hire Purchase

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History Final The Railroad: Why were railroads so important for moving west? They fueled westward settlement, spurred the growth of towns, and created massive demand for mass-produced steel and coal, physically connecting rural farmlands to urban factories to build a powerhouse national economy How did they heIp the country change from farming to a factory-based economy? they brought heavy, manufactured factory goods West. The U.S. required unprecedented amounts of steel, iron, coal, and timber. To operate safely and efficiently, they developed professional management hierarchies, advanced accounting, and time zones. Indian Wars: What was the main reason for the fighting between the U.S. government and NativeAmericans in the late 1800s? (Hint: Think about white settlers moving onto their lands). Western expansion . As white settlers and gold prospectors flooded onto Native American lands, the U.S. government forced tribes onto reservations. Forced Change (Assimilation): What was the goal of the Dawes Act? Idea of making civilized land, took away tribe unity What did Indian Boarding Schools force Native American children to do to their culture, hair, and language? to abandon their heritage in a process known as forced assimilation. To become more americanized killing off their culture Big Business & The Gilded Age Rise of Factories: What did the government do (or not do) that allowed giant businesses to grow so fast in the late 1800s? allowed businesses to operate without strict labor, safety, or environmental regulations. The Gilded Age: Why did Mark Twain use the phrase "Gilded Age" to describe this time in history? To describe that while the US was growing and thriving there were many societal issues behind the scenes “Picture perfect front, not back.” What is the difference between a "Captain of Industry" and a "Robber Baron"? Captain of industry (GOOD) Creates jobs, Fair wages, Good working conditions Focus on innovations and new inventions Gives back money to charity, schools, hospitals Robber Baron (BAD) Unfair wages Slows other smaller companies and businesses Buys politicians bribery Famous Bosses&Inventions: Know who Andrew Carnegie(Steel)and John D. Rockefeller (Oil) were. ANDREW CARNEGIE- Scottish American industrialist, made a lot of money in the steel industry, known for giving away money JOHN D ROCKERFELLER- A wealthy American businessman, founded the Standard oil company, became the richest man, using oil. How did electricity change where people could build factories? Electricity liberated factories from needing to be built near bodies of water or coal mines. By utilizing power grids and individual electric motors Unions and Laws: What was the goal of the Interstate Commerce Act? was passed by Congress to regulate the railroad industry, specifically targeting monopolistic practices. Its goal was to ensure fair and reasonable shipping rates, prohibit price discrimination against small businesses and farmers, and establish the Interstate Commerce Commission (ICC) to oversee these operations How did workers use "collective bargaining" to get better rights? Workers utilized collective bargaining through labor unions to negotiate as a unified group with employers over wages, benefits, and working conditions, rather than negotiating individually They would not work until the wage or conditions were raised to be better Immigration: Why did many Americans(Nativists)push back against new immigrants? Many Americans pushed back in fear of losing jobs and getting it taken away from them, because immigrants were willing to do the jobs for less money while they would be doing it for more, hence kicking them out. What was the main goal of the Chinese Exclusion Act? To keep the chinese out because they were taking jobs Mainly stopped them from entering Imperialism (America Expands Overseas) Reasons to Expand: Why did the U.S.want to take over islands and colonies overseas in the late 1800s? The U.S. sought overseas colonies to secure raw materials and new markets for its growing industrial output. Policymakers also desired strategic naval bases Why did some Americans think it was wrong to rule over other people? it directly contradicted the nation's foundational ideals of liberty, democracy, and the "consent of the governed". They believed that subjugating foreign populations violated the core principles of the Declaration of Independence and the Constitution Spanish-American War: How did Yellow Journalism (exaggerated news)and the sinking of the U.S.S.Mainestart a war? Yellow journalism started the war because of exaggeration What lands did the U.S.get after winning? the United States acquired Puerto Rico, Guam, and the Philippines China and Latin America: What was the Open Door Policy,and who were the "Boxers" trying to kick out of China? The Open Door Policy (1899) was a U.S. foreign policy stating that all foreign nations should have equal and unhindered trading rights in China. The "Boxers" were members of a secret Chinese society (the Yihetuan) who violently rebelled to expel all Westerners, foreign imperialists, and Christian missionaries from China. Explain the different foreign policies of the presidents: Teddy Roosevelt's "Big Stick" (and theRoosevelt Corollary), William Howard Taft's "Dollar Diplomacy", and Woodrow Wilson's"Moral Diplomacy". TEDDY ROOSEVELT- Theodore Roosevelt operated on the West African proverb, "Speak softly and carry a big stick; you will go far.". His philosophy focused on peaceful negotiation backed by the explicit threat of a powerful military, particularly the U.S. Navy WILLIAM HOWARD TAFT- His policy aimed to "substitute dollars for bullets," using American economic investments to secure diplomatic stability and expand foreign trade WOODROW WILSON - Woodrow Wilson rejected the imperialism of the "Big Stick" and the materialism of "Dollar Diplomacy". His strategy, engineered alongside Secretary of State William Jennings Bryan, aimed to support nations that aligned with American moral values, democracy, and human rights. How did Teddy Roosevelt get the land to build the Panama Canal? After Colombia rejected a U.S. offer to lease the land, Roosevelt dispatched U.S. warships to block Colombian troops, allowing Panama to declare independence in November 1903 The Progressive Era The Goal: What did Progressives believe was threatening democracy and the rights of regular people?(Hint:Think about Big Business). Progressives believed that concentrated corporate power, unchecked monopolies, and corrupt political machines were threatening democracy. They feared this vast wealth allowed Big Business to bypass the democratic process, rig the economy, and exploit regular people Muckrakers: Who were the muckrakers? Muckrakers were investigative journalists of the early 1900’s who exposed misconduct by powerful organizations or people. How did Upton Sinclair's book The Jungle change the way our meat and food are inspected? The animals had to be inspected before slaughter Inspected after slaughter Had to have clean standards Meat had to have a stamp of approval Cannots adulter, no harmful chemicals No misbranding No narcotics Power to the People: How did new voting systems like the initiative,referendum,recall,and direct primary give regular citizens more power in government? Initiative Citizens are adding a proposed law to a ballot.. Citizens became law makers Refederrum State legislatures put a proposed law on the ballot, voters approve or repeal, voters get veto power Recall Voters can remove political officials before their term ends accountability Direct primary shifted the power to choose political candidates from party bosses directly to regular citizens. Presidents &Nature: Who broke or "busted" more trusts:Teddy Roosevelt or William Howard Taft? William Howard Taft did more to regulate monopolies than TR did. He continued a lot of what teddy started. Which president made protecting the environment a national issue? Teddy roosevelt Rights Movements: What was the primary goal of the NAACP? The NAACP stands for National Association for the advancement of colored people. to ensure the political, educational, social, and economic equality of all minority citizens, eliminate race-based discrimination, and ensure the health and well-being of all persons What finally caused women's suffrage(the right to vote) to pass in 1920? Women's suffrage passed in 1920 because decades of tireless grassroots activism and radical protests during the Progressive Era forced President Woodrow Wilson and Congress to act. World War I! Causes of the War: What were the main causes of WWI? (M-A-I-N) Militarism Empires were expensive to build and defend. Each nation wanted stronger armed forces than the enemy which leads to competition. Alliances Secret treaties, Europe was divided by a complex web of mutual defense pacts. The two primary blocks were the Triple Entente (Britain, France, and Russia) and the Triple Alliance (Germany, Austria-Hungary, and Italy). Imperialism European nations had been building empires and extending economic, and political control. Germany competed with France and Great Britain for colonies. Nationalism Extreme patriotism led to many nations believing that their culture and goals were superior. Why was this war so much more destructive than older wars? Industrialized Weaponry: The advent of the Industrial Revolution allowed for the mass production of highly lethal, mechanized weapons. Innovations like quick-firing artillery, heavy machine guns, poison gas, and tanks drastically increased the rate and scale of casualties Trench Warfare and Attrition: The combination of machine guns and defensive fortifications led to vast, stagnant stalemates. Instead of rapid maneuvers, generals resorted to relentless artillery barrages followed by infantry charges across fortified "no man's land", resulting in massive, grinding losses of life with very little territorial gain U.S.Joins the Fight:Why did the U.S.stop being neutral and join the war? (Hint:Look closely at the Zimmermann Note). Many Americans felt that the U.S. should fight alongside the U.K. and France, and the German submarine sent a Great Britain ship with many Americans on it. Then 2 years later after a worsening relationship we joined and made a secret attempt to turn Mexico against us. The Homefront: What did the Selective Service Act do? Required all men between 21-30 to register for the draft. How did regular Americans support the war effort at home (Liberty Bonds,saving food/energy,Daylight Savings Time)? directly purchasing war bonds, rationing staples like food and fuel, planting Victory Gardens, and observing Daylight Saving Time Free Speech: What did the Sedition Act do to people who spoke out or wrote bad things about the government during the war? Targeted U.S. citizens, including journalists who criticized the act of provoking rebellion. The Peace Treaty: What was Woodrow Wilson's plan for peace called? The fourteen points League of nations is part of the fourteen points Why did the U.S. does the Senate refuse to sign the Treaty of Versailles and refuse to join the League of Nations? constitutional concerns over surrendering Congress's war-making power, a strong desire to avoid permanent foreign entanglements, and bitter partisan clashes between President Woodrow Wilson The Amendments:13-19th Amendments! From the progressive era 16-19th 2 Questions 13th Amendment (1865): Abolished slavery and involuntary servitude nationwide, except as a punishment for a crime. 14th Amendment (1868): Defined national citizenship and guaranteed all citizens "equal protection of the laws". 15th Amendment (1870): Prohibited the government from denying a citizen the right to vote based on race, color, or previous condition of servitude. 16th Amendment (1913): Authorized the federal government to collect an income tax. 17th Amendment (1913): Established the direct election of U.S. senators by popular vote, replacing selection by state legislatures. 18th Amendment (1919): Prohibited the manufacture, sale, or transportation of intoxicating liquors, launching the era of Prohibition. 19th Amendment (1920): Granted women the right to vote in all local, state, and federal elections Geography: There will be a WORLD MAP on the exam.Think about our Imperialism and WWI units. Imperialism (Late 19th - Early 20th Century) The Scramble for Africa: Pay close attention to the continent of Africa as you will likely need to identify which European powers colonized which regions. Focus on the massive territorial claims of Great Britain and France, as well as Germany's attempts to expand its empire. Asia and the Pacific: Be prepared to locate territories like India, Indochina (French), and the Philippines. You should also identify the emerging imperial power of Japan in East Asia. ⚔️ World War I Europe (1914-1918) Allied Powers: Locate Great Britain, France, Russia, and later the United States and Italy. Central Powers: Identify the core nations of Germany, Austria-Hungary, the Ottoman Empire, and Bulgaria. The Western Front: Be ready to map the border between France and Germany where the most intense trench warfare took place. The Eastern Front: Locate the border regions between Germany, Austria-Hungary, and Russia. The Spark: Find the city of Sarajevo (in Bosnia) on the map, where Archduke Franz Ferdinand was assassinated, igniting the war

Law of Purchase and Sale Lecture Notes

Louisiana Life and Health Insurance Exam