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The Web Bank, Marco Ricci Doctor of Business Administration, Public Certified Accountant, Auditor 2011 Ordine dei Dottori Commercialisti e degli Esperti Contabili di Roma

The Web Bank, Marco Ricci Doctor Of Business Administration, Public Certified Accountant, Auditor

Marco Ricci

Technological advances are certainly a very important factor of change that can fundamentally alter the current distribution techniques of financial services. In fact, information technologies have made it possible for banks to be within the "virtual bank", a new and separate from the traditional. The introduction of new distribution channels and, in particular the global network known as the "Internet" is just one of many changes taking place in the Italian banking. This theme could be seen as the main theme of this work, all aimed at trying to describe and interpret how the spread of online financial services has ...


Do Stock Prices Move Too Much To Be Justified By Changes In Dividends? Evidence From Real Estate Investment Trusts, Tobias Mühlhofer, Andrey D. Ukhov Ph.D. 2011 Indiana University

Do Stock Prices Move Too Much To Be Justified By Changes In Dividends? Evidence From Real Estate Investment Trusts, Tobias Mühlhofer, Andrey D. Ukhov Ph.D.

Cornell Real Estate and Finance Working Papers

A central issue in asset pricing is whether asset prices move too much in relation to cash flows. We take advantage of the existence of two parallel markets for a set of cash flows to show that better measurement of cash flows can dramatically improve the performance of a dynamic dividend discount model. We apply this model to returns on Real Estate Investment Trusts (REITs) and REIT dividends. Unlike previous literature, we use out-of-sample estimation. We use a unique data set of directly held commercial real estate and augment information in REIT dividends with information from cash flows from this ...


2011-03-14 Undergraduate Committee Meeting Minutes, Morehead State University. Faculty Senate. 2011 Morehead State University

2011-03-14 Undergraduate Committee Meeting Minutes, Morehead State University. Faculty Senate.

Faculty Senate Records

Undergraduate Committee Meeting Minutes for March 14, 2011.


Mal Manejo De La Moneda, Guillermo Arosemena 2011 Selected Works

Mal Manejo De La Moneda, Guillermo Arosemena

Guillermo Arosemena

No abstract provided.


Do Investors Flip Over Housing?, Karl L. Guntermann, Alex R. Horenstein, Crocker H. Liu Ph.D., Adam D. Nowak 2011 W.P. Carey School of Business, Arizona State

Do Investors Flip Over Housing?, Karl L. Guntermann, Alex R. Horenstein, Crocker H. Liu Ph.D., Adam D. Nowak

Cornell Real Estate and Finance Working Papers

The current study explores the investment performance of short-term investors known as flippers in the residential real estate market as well as the impact that flippers have on the housing market. The study finds that investors who buy and then subsequently resell properties within a short period of time tend to generate returns in excess of the market by purchasing properties at a discount from distressed sellers. Flippers purchase properties discounted an average of 7% in the market. This discount reflects the ability of flippers to identify underpriced properties which supports the information advantage story. When using all-cash purchases, the ...


The Quality Of Real Assets, Liquidation Value And Debt Capacity, Peng Liu Ph.D., Crocker H. Liu Ph.D. 2011 Cornell University

The Quality Of Real Assets, Liquidation Value And Debt Capacity, Peng Liu Ph.D., Crocker H. Liu Ph.D.

Cornell Real Estate and Finance Working Papers

We use real estate firms to examine how asset liquidation values influence a firm’s debt capacity, since the productivity and quality of each asset is observable and potential measures of an asset’s liquidation value are easier to ascertain ex-ante. We show that compared to firms that issue equity, firms that issue debt have higher asset quality. The effect of their expected asset liquidation value is significant, even after we control for other factors that influence financing decisions. For firms whose assets’ quality is not easily observable, we find that firms’ financing choices depend heavily on conditions in the ...


Piloting A Hybrid Work Integrated Learning Model To Enhance Dual Hub Student Collaborations In An International Work Context, Vic Kamay, Huan Vo-Tran, Siddhi Pittayachawan, Sue Reynolds, Bernadette Welch, Christopher Munro, Hoang Tran 2011 RMIT University

Piloting A Hybrid Work Integrated Learning Model To Enhance Dual Hub Student Collaborations In An International Work Context, Vic Kamay, Huan Vo-Tran, Siddhi Pittayachawan, Sue Reynolds, Bernadette Welch, Christopher Munro, Hoang Tran

Siddhi Pittayachawan

No abstract provided.


2011-03-10, Morehead State University. Board of Regents. 2011 Morehead State University

2011-03-10, Morehead State University. Board Of Regents.

Morehead State Board of Regents Meeting Minutes

No abstract provided.


Be Careful About The Menace Of The Banks And Microfinance Companies, George Ekeha 2011 Regent University College, Ghana and University of Leicester, UK

Be Careful About The Menace Of The Banks And Microfinance Companies, George Ekeha

George E Ekeha

Currently, according to the Ghana Banking Survey 2010 by PriceWaterHouseCoopers, there are twenty six (26) registered banks with over 740 branches operating in the country offering several products designed to attract the average Ghanaian (with more in the pipeline because of the oil flow). Some years ago (may be 10 years or more), there were very few banks in the country with their products mostly designed towards the elite few. It was a common thing to see very long and winding queues extending several kilometres outside the banking halls of most of these banks. Especially the Ghana Commercial Bank (GCB ...


The Banks In Ghana Reported Huge Increase In Profit, George E. Ekeha 2011 Regent University College, Ghana and University of Leicester, UK

The Banks In Ghana Reported Huge Increase In Profit, George E. Ekeha

George E Ekeha

The past few months ago, we have been inundated by news about the banks’ profit. If we take a glance at their published accounts in the dailies, we could see how most of them had a jump in their profits over the years. Some had as much as 900% rise in their profit. Amazing, isn’t it? We have heard the officials of these banks tried to justify the huge spread in their lending and the borrowing rates, blaming it on various issues like non-performing loans and overhead costs and many others, refer to my previous article. They claimed they ...


Is What’S Bad For The Goose (Tenant), Bad For The Gander (Landlord): A Retail Real Estate Perspective, Crocker L. Liu Ph.D., Peng Liu Ph.D. 2011 Cornell University

Is What’S Bad For The Goose (Tenant), Bad For The Gander (Landlord): A Retail Real Estate Perspective, Crocker L. Liu Ph.D., Peng Liu Ph.D.

Cornell Real Estate and Finance Working Papers

Given the current financial crisis, we explore the impact that tenant bankruptcies have on the risk and return performance of their publicly traded landlord. We focus on retail REITs since the contracting mechanism associated with retail leases has several options such as percentage rents and co-tenancy provisions that are not found in leases for other property types. Ex-ante, we argue that the performance of a landlord will depend on which option dominates given that a departure of an anchor or key tenant from a center affords the landlord with a growth option, the opportunity to adjust rents to market. Utilizing ...


Avatars, Blabberize, And Cell Phones: Abc's Of The Digital Age [Paper], Kay S. Gandy, Rebecca Stobaugh 2011 Western Kentucky University

Avatars, Blabberize, And Cell Phones: Abc's Of The Digital Age [Paper], Kay S. Gandy, Rebecca Stobaugh

School of Teacher Education Faculty Publications & Presentations

The Digital Age is revolutionizing education. Educators need to be well-trained on the variety of technology tools available. Technology tools captivate the interest of students and encourage high-levels of engagement. Often, the daily lives of students are rich in technology, while teachers lack the knowledge or skills to integrate technology into the curriculum. Two university teacher education professors will share innovative technology tools to enhance instruction. The tools were modeled in education courses for preservice teachers and transferred into K-12 classrooms. Technology tools included: Skype, PhotoPeach, Prezi, Blabberize, Xtranormal, Poll Everywhere (voting with cellphones), Tagxedo, GPS, and GIS. For example ...


Leading Innovation: Creating A Culture Of Sustainability, Connie I. Reimers-Hild 2011 University of Nebraska-Lincoln Extension

Leading Innovation: Creating A Culture Of Sustainability, Connie I. Reimers-Hild

Kimmel Education and Research Center - Presentations and White Papers

Objectives of the Leading Innovation Session taught by Dr. Connie:

1) Introduce Concepts of Innovation

2) Understand Interrelatedness between Entrepreneurial Leadership and Innovation

3) Generate New Ideas for Your Business, Organization or Community!


Virtual World's First 10, Anıl Sural 2011 Selected Works

Virtual World's First 10, Anıl Sural

Anıl Sural

Virtual World's First 10 1- Larry Page Larry Page was born on 26 March 1973 in Michigan. Opened in 1998, the developer of the Google Internet search engine. Larry was years old, at that time. Larry Page will take over as CEO position from Eric Schmidt in April. Page's wealth of $ 17.5 billion. 2- Sergey Brin Sergey Brin was born on 21 August 1973 in Moscow. Brin was doing Ph.D. in United Stated of America, Stanford he founded Google with Larry Page. He founded Google when he was 25 years old. Google's market value of ...


Illegal Immigration And The Dilemma Of American Unions, Vernon M. Briggs Jr 2011 Cornell University

Illegal Immigration And The Dilemma Of American Unions, Vernon M. Briggs Jr

Articles and Chapters

[Excerpt] Over its long and often turbulent evolution, the American labor movement has confronted few issues as persistently and as difficult has those related to subject of immigration. By definition, immigration affects the size of the labor force at any given time as well as its geographical distribution and skill composition. These vital influences, in turn, affect national, regional and local labor market conditions. Most immigrants directly join the labor force upon entering the country, as do eventually most of their family members. Hence, organized labor never has ignored immigration trends. As Samuel Gompers, one of the founders of the ...


The Richest 100 Turks, Anıl Sural 2011 Selected Works

The Richest 100 Turks, Anıl Sural

Anıl Sural

Turkey's richest 100 people was announced by Forbes. Total wealth of the Forbes 100, rose to $ 104 billion. The same figure as last year, 87 billion dollars had taken place. The addition of 11 new names to the list of this year rose to 39 the number of dollar billionaires. In the Forbes 100 Number of women: 105 in the list consisting ; 8 of 23 women billionaire. Total wealth of the first 10 rich: 28.2 billion dollars.According to the previous year, an increase of $ 6.2 billion. Total wealth of first 50 is $ 74 billion.According to ...


País En Permanente Reinvención, Guillermo Arosemena 2011 SelectedWorks

País En Permanente Reinvención, Guillermo Arosemena

Guillermo Arosemena

No abstract provided.


A Cost-Benefit Interpretation Of The "Substantially Similar" Hurdle In The Congressional Review Act: Can Osha Ever Utter The E-Word (Ergonomics) Again?, Adam M. Finkel, Jason W. Sullivan 2011 University of Pennsylvania

A Cost-Benefit Interpretation Of The "Substantially Similar" Hurdle In The Congressional Review Act: Can Osha Ever Utter The E-Word (Ergonomics) Again?, Adam M. Finkel, Jason W. Sullivan

Faculty Scholarship

The Congressional Review Act permits Congress to veto proposed regulations via a joint resolution, and prohibits an agency from reissuing a rule “in substantially the same form” as the vetoed rule. Some scholars—and officials within the agencies themselves—have understood the “substantially the same” standard to bar an agency from regulating in the same substantive area covered by a vetoed rule. Courts have not yet provided an authoritative interpretation of the standard.

This Article examines a spectrum of possible understandings of the standard, and relates them to the legislative history (of both the Congressional Review Act itself and the ...


The Effect Of The Emerging Paradigm Of Diversity On The Church And Its Leadership, Andrew Peters 2011 Australian Catholic University

The Effect Of The Emerging Paradigm Of Diversity On The Church And Its Leadership, Andrew Peters

Theses

Aims and Problems: Between the 1950s and 1990s, a paradigm-change occurred at foundational levels that has had global effect. In this research, I address a number of problems, related to leadership in the church, which have arisen out of this paradigm-change. The first problem relates to the validity of clerical leadership in the new paradigm. The immense effect of the current paradigm-change upon the church led some leadership gurus to propose a change in the locus of leadership in the church, from the clergy to laity. They implied that the clerical leadership was responsible for the deplorable state of the ...


2011-03-04 University Graduate Committee Meeting Minutes, Morehead State University. Faculty Senate. 2011 Morehead State University

2011-03-04 University Graduate Committee Meeting Minutes, Morehead State University. Faculty Senate.

Faculty Senate Records

University Graduate Committee Meeting Minutes for March 4, 2011.


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