when were the 3c's principles of lending used?
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I don't know the year but it was probably when the home town hand shake went out. And when it became more involved. This is probably around the time of Fannie Mae was created.
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Certificate of Deposit.
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Try here:\n\nhttp://www.capital-flow-analysis.com/mt-weblog/mt-arquive/2006/01/mortgage_backed.html
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Principles in Islamic Banking\nIslamic banking has the same purpose as conventional banking except that it claims to operate in accordance with the rules of Shariah, known as Fiqh al-Muamalat (Islamic rules on transactions). The basic principle of Islamic banking is the sharing of profit and loss and the prohibition of riba´ (interest). Amongst the common Islamic concepts used in Islamic banking are profit sharing (Mudharabah), safekeeping (Wadiah), joint venture (Musharakah), cost plus (Murabahah) and leasing (Ijarah).\n\nIn an Islamic mortgage transaction, instead of loaning the buyer money to purchase the item, a bank might buy the item itself from the seller, and re-sell it to the buyer at a profit, while allowing the buyer to pay the bank in installments. However, the fact that it is profit cannot be made explicit and therefore there are no additional penalties for late payment. In order to protect itself against default, the bank asks for strict collateral. The goods or Land is registered to the name of the buyer from the start of the transaction. This arrangement is called Murabaha. Another approach is Ijara wa Iqtina, which is similar to real estate leasing. Islamic banks handle loans for vehicles in a similar way (selling the vehicle at a higher-than-market price to the debtor and then retaining ownership of the vehicle until the loan is paid).\n\nThere are several other approaches used in business deals. Islamic banks lend their money to companies by issuing floating rate interest loans. The floating rate of interest is pegged to the company's individual rate of return. Thus the bank's profit on the loan is equal to a certain percentage of the company's profits. Once the principal amount of the loan is repaid, the profit-sharing arrangement is concluded. This practice is called Musharaka. Further, Mudaraba is venture capital funding of an entrepreneur who provides labor while financing is provided by the bank, so that both profit and risk are shared. Such participatory arrangements between capital and labor reflect the Islamic view that the borrower must not bear all the risk/cost of a failure, as it is Allah who determines that failure, and intends that it fall on all those involved.\n\nLast, Islamic banking is restricted to Islamically acceptable deals, which exclude those involving alcohol, pork, gambling, etc. Thus ethical investing is the only acceptable form of investment, and moral purchasing is encouraged.\n\nIslamic banks have grown recently in the Muslim world but are a very small share of the global banking system. Micro-lending institutions such as Grameen Bank use conventional lending practices, and are popular in some Muslim nations, but are clearly not Islamic banking.\n\nIn theory, Islamic banking should be synonomous with full-reserve banking, with banks achieving a 100% reserve ratio [2]. However in practice this is rarely the case [3].\n\nfor details visit: www.answers.com/topic/islamic-banking
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Banking has always been around.  Similar to stock piling or saving for a rainy day.\n\nIt has just progressed from saving hay for the winter, to saving dollars, but it is all the same system.
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Asset Based Lending \n  \n   Asset based lending or asset based financing refers to loans secured by a wide variety of assets. Businesses can obtain asset based lending by using the liquid, current assets of the company (such as accounts receivable and/or inventory) or the fixed assets of a business (such as plant, property, and equipment) as collateral. \n\nAsset based financing relies on the value of the underlying collateral to minimize the loan's credit risk. Asset based loans also can include equipment loans and real estate mortgages. Commercial finance is the term most commonly affiliated with the industry group of asset based lenders that provides all types of asset based loans to business and commercial borrowers. Asset based lenders are sometimes referred to as secured lenders. \n \n \n DEPENDING ON THE COUNTRY YOU ARE LIVING THE FEATURES WILL VARY. BEST IS TO CALL ANY BANK WHO GIVES SUCH LOAN & GET DETAILS. U CAN ALSO TRY THEIR WEBSITE.\n\nBYE & BEST OF LUCK
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Before the Uniform Commercial Code there was the Uniform Stock Transfer Act of 1909. This Act became Article 8 when the Uniform Commercial Code was promulgated in 1951. Article 8 was also extensively amended in 1977. \nG
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"The Trilateral Commission was formed in 1973 by private citizens of Japan, Europe (European Union countries), and North America (United States and Canada) to foster closer cooperation among these core democratic industrialized areas of the world with shared leadership responsibilities in the wider international system. Originally established for three years, our work has been renewed for successive triennia (three-year periods), most recently for a triennium to be completed in 2006."
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The clearest example is the 2/3rds rule.  Think of trying to get anything passed in Congress today, if you had to have a 2/3rds majority
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Here, I found this article:\n\nhttp://www.scottishloyalists.com/three.htm\n\nHope it helps.
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1991, I believe, but it has been updated, clarified, and amended since then.\n\nGoogle the entire term for more info.
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The answer just provided is only a simple interest formula.  It is not the one used for car loans.  The correct one used by banks for car loans is complicated.  There are fomulas that will get you close to the right answer, but will never give the right answer.
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EXHIBIT 10.23\n\nAMENDMENT NO. 3 TO\nLETTER OF CREDIT, LOAN AND SECURITY AGREEMENT\nAND PROMISSORY NOTE\n\nTHIS AMENDMENT NO. 3 TO LETTER OF CREDIT, LOAN AND SECURITY AGREEMENT AND PROMISSORY NOTE (this "Amendment) is made as of this 31st day of October, 1999, between MOBILITY ELECTRONICS, INC., formerly known as Electronics Accessory Specialists International, Inc., a Delaware corporation, (the "Borrower"), and BANK OF AMERICA, N.A., successor to NationsBank N.A., a national banking association (the "Bank").\n\nRECITALS\n\nWHEREAS, on May 6, 1998, the Bank and the Borrower executed and delivered a Letter of Credit, Loan and Security Agreement (the "Loan Agreement", all capitalized terms used and not specifically defined herein to have the meaning given to such terms in the Loan Agreement), as previously amended by Amendment No. 1 and by Amendment No. 2 (hereinafter defined), pursuant to which the Bank agreed to make direct advances of the Loan to the Borrower and to issue Standby and Commercial Letters of Credit for the account of the Borrower, in the aggregate amount outstanding at any one time not to exceed United States One Million Five Hundred Thousand Dollars ($1,500,000), to provide the Borrower with working capital financing in connection with the export of portable computer accessories; and\n\nWHEREAS, the Export-Import Bank of the United States ("EXIMBANK") guaranteed a portion of the Borrower's Obligations under the Financing Documents, pursuant to the EXIMBANK Guaranty; and\n\nWHEREAS, on May 6, 1999, the Bank and the Borrower executed and delivered Amendment No. 1 to Letter of Credit, Loan and Security Agreement and Promissory Note ("Amendment No. 1") for the purpose of extending the Termination Date and the maturity date for the Borrower's Obligations from May 6, 1999, to August 6, 1999;\n\nWHEREAS, in August of 1999, the Bank and the Borrower executed and delivered Amendment No. 2 to Letter of Credit, Loan and Security Agreement and Promissory Note ("Amendment No. 2") for the purpose of (a) extending the Termination Date and the maturity date for the Borrower's Obligations to October 30, 1999, and (b) decreasing the Bank's Commitment from $1,500,000 to $750,000; and\n\nWHEREAS, the Borrower has again requested the Bank to extend the Termination Date and the maturity date for the Borrower's obligations to March 31, 2000;\n\n2 WHEREAS, the Bank is willing to accommodate the Borrower's request to further extend the Termination Date and the maturity date of the Borrower's Obligations subject to the terms and conditions of this Amendment.\n\nAGREEMENTS\n\nNOW, THEREFORE, in consideration of the actual agreements herein and other good and valuable consideration, the Borrower and the Bank hereby agree as follows:\n\n1. Extension of Termination Date. The Loan Agreement is hereby amended to provide that the Termination Date is extended until March 31, 2000, whereupon the Bank will no longer make advances of the Loan to the Borrower or issue Standby or Commercial Letters of Credit for the benefit of the Borrower. The existing provisions of the Loan Agreement provide that, with certain exceptions, any Letters of Credit issued thereunder shall have an Expiry Date no later than the Termination Date, and the related Applications and Agreements of Letters of Credit require the Borrower to repay on demand any Letter of Credit Obligations arising with respect to Letters of Credit. With respect to any Letter of Credit having an expiry date after the Termination Date, the Loan Agreement requires that the related Letter of Credit Obligations shall be prepaid on the day immediately preceding the Termination Date.\n\n2. Extension of Maturity Date. The Promissory Note is hereby amended to provide that the maturity date is extended until March 31, 2000, whereupon all of the Loan Obligations shall become immediately due and payable.\n\n3. Intere
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Once gives the lender the right to repossess.\n\nCheck out the fine print at my source site.
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Do you mean Robert's Rule of Order?  Here are some links.  the first one is the most basic.  Then other resources.
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If you take out a loan, the amount you are loaned is called the "principle". The bank loans it to you at a certain rate called the interest rate. You have to pay back the principle, PLUS the interest, over the life of the loan.\n\nIf your loan has compound interest, you not only have to pay back interest on the principle, but interest on the unpaid interest itself. To compute the amount of compound interest, you have to take the "life" of the loan (the amount of time the principal is loaned for) and divide it by some interval, called a payment interval. You also divide the interest rate by the same interval. Then you can compute the amount of unpaid interest over that interval, and the interest on the interest.\n\nIn continuous compounding, the payment interval is essentially zero, resulting in an infinite number of infinitely small payments. It turns out that for problems of this type, there is a mathematical limit toward which the payment converges as the interval gets closer and closer to zero; so you can use that mathematical limit to determine the amount of the interest under continuous compounding.
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Permission is not an issue. If you practice the CMM level 3 theory successfully, it is yours. Get to work!!